Rates
Deposit Rates
| Product | Term | Interest Rate | Annual Percentage Yield | Minimum Amount to Open | Minimum to Earn |
|---|---|---|---|---|---|
| Special 11 Month CD | 11 months | 4.88% | 5.00% APY* | $500 | $500 |
| Special 8 Month CD | 8 Months | 4.88% | 5.00% APY* | $500 | $500 |
| Special 5 Month CD | 5 Months | 4.88% | 5.00% APY* | $500 | $500 |
| Starter CD* | 12 Months | 3.78% | 3.85% APY* | $100 | $100 |
| 5 Year CD | 5 years | 2.81% | 2.85% APY* | $500 | $500 |
| 4 Year CD | 4 Years | 2.81% | 2.85% APY* | $500 | $500 |
| 3 Year CD | 3 Years | 2.81% | 2.85% APY* | $500 | $500 |
| 2.5 Year CD | 2.5 Years | 2.81% | 2.85% APY* | $500 | $500 |
| 2 Year CD | 2 years | 3.05% | 3.10% APY* | $500 | $500 |
| 1.5 Year CD | 1.5 Years | 3.44% | 3.50% APY* | $500 | $500 |
| 1 Year CD | 12 Months | 3.68% | 3.75% APY* | $500 | $500 |
| 6 Month CD | 6 Months | 3.20% | 3.25% APY* | $500 | $500 |
| 91 Day CD | 91 Days | 1.98% | 2.00% APY* | $500 | $500 |
2 Year CD and 5 Year CD available to open online.
*APY= Annual Percentage Yield
**Starter CD: 2 additional deposits with a minimum of $ 100 available to members 5-17 years old
Rates on certificates of deposit are guaranteed for the length of the term, all other deposit rates are variable and subject to change after the account is opened. Fees may reduce earnings on accounts. A penalty may be imposed for early withdrawal on Certificates of Deposit. Membership eligibility requirements must be met.
| Product | Term | Interest Rate | Annual Percentage Yield | Minimum Amount to Open | Minimum to Earn |
|---|---|---|---|---|---|
| 8 Month IRA CD Special | 8 months | 4.88% | 5.00% APY* | $500 | $500 |
| 5 Month IRA CD Special | 5 months | 4.88% | 5.00% APY* | $500 | $500 |
| 11 Month IRA CD Special | 11 months | 4.88% | 5.00% APY* | $500 | $500 |
| 5 Year IRA CD | 5 Years | 2.81% | 2.85% APY* | $500 | $500 |
| 4 Year IRA CD | 4 Years | 2.81% | 2.85% APY* | $500 | $500 |
| 3 Year IRA CD | 3 Years | 2.81% | 2.85% APY* | $500 | $500 |
| 2.5 Year IRA CD | 2.5 Years | 2.81% | 2.85% APY* | $500 | $500 |
| 2 Year IRA CD | 2 Years | 3.05% | 3.10% APY* | $500 | $500 |
| 1.5 Year IRA CD | 1.5 Years | 3.44% | 3.50% APY* | $500 | $500 |
| 1 Year IRA CD | 12 Months | 3.68% | 3.75% APY* | $500 | $500 |
| 6 Month IRA CD | 6 Months | 3.20% | 3.25% APY* | $500 | $500 |
| 91 Day IRA CD | 91 Days | 1.98% | 2.00% APY* | $500 | $500 |
| Variable IRA Savings | 0.25% | 0.25% APY* | $25 | $25 |
*APY= Annual Percentage Yield
Rates on certificates of deposit are guaranteed for the length of the term, all other deposit rates are variable and subject to change after the account is opened. Fees may reduce earnings on accounts. A penalty may be imposed for early withdrawal on Certificates of Deposit, Membership eligibility requirements must be met.
| Balance | Interest Rate | APY* | Minimum Balance to Earn APY |
|---|---|---|---|
| $0.01-$2,499.99 | 0.25% | 0.25% | $25 |
| $2,500-$9,999.99 | 0.85% | 0.85% | $2,500 |
| $10,000-$24,999.99 | 1.00% | 1.00% | $10,000 |
| $25,000-$49,999.99 | 1.14% | 1.15% | $25,000 |
| $50,000-$99,999.99 | 1.34% | 1.35% | $50,000 |
| $100,000-$249,999.99 | 1.49% | 1.50% | $100,000 |
| $250,000 and above | 1.69% | 1.70% | $250,000 |
*APY= Annual Percentage Yield
Rates are variable and may change after the account is opened. Fees may reduce earnings on the account. Interest rate tier earned is based on the daily balance of the account. IRA transactions are subject to IRA rules and regulations. Minimum deposits required to open this account is $2,500. Membership eligibility requirements must be met.
| Balance | Interest Rate | APY* | Minimum Balance to Earn APY |
|---|---|---|---|
| $0.01-$2,499.99 | 0.25% | 0.25% | $25 |
| $2,500 - $9,999.99 | 0.85% | 0.85% | $2,500 |
| $10,000 - $24,999.99 | 1.00% | 1.00% | $10,000 |
| $25,000 - $49,999.99 | 1.14% | 1.15% | $25,000 |
| $50,000 - $99,999.99 | 1.34% | 1.35% | $50,000 |
| $100,000 - $249,999.99 | 1.49% | 1.50% | $100,000 |
| $250,000 and above | 1.69% | 1.70% | $250,000 |
*APY- Annual Percentage Yield.
Rates are variable and may change after the account is opened. Fees may reduce earnings on the account. Interest rate tier earned is based on the daily balance of the account. Minimum deposits required to open this account is $2,500. Membership eligibility requirements must be met.
| Balance | Interest Rate | APY* | Minimum Balance to Earn APY |
|---|---|---|---|
| $0.01-$2,499.99 | 0.25% | 0.25% | $25 |
| $2,500-$9,999.99 | 0.85% | 0.85% | $25,000 |
| $10,000-$24,999.99 | 1.00% | 1.00% | $10,000 |
| $25,000-$49,999.99 | 1.14% | 1.15% | $25,000 |
| $50,000-$99,999,.99 | 1.34% | 1.35% | $50,000 |
| $100,000-$249,999.99 | 1.49% | 1.50% | $100,000 |
| $250,000 and above | 1.69% | 1.70% | $250,000 |
*APY- Annual Percentage Yield.
Rates are variable and may change after the account is opened. Fees may reduce earnings on the account. Interest rate tier earned is based on the daily balance of the account. Minimum deposits required to open this account is $2,500. Membership eligibility requirements must be met.
| Account Type | APY* | Dividend Rate | Interest Rate | Minimum Amount to Open | Minimum to Earn APY |
|---|---|---|---|---|---|
| Align Checking | - | $1 | $0 | ||
| Benefit Checking | 0.25% | 0.25% | $1 | $0 | |
| MyGoal Savings | 0.25% | 0.25% | 0.25% | $1 | $25 |
| Student Checking* | 0.25% | 0.25% | $0 | $0 | |
| Membership Savings | 0.25% | 0.25% | $5 | $5 | |
| Holiday Club | 0.10% | 0.10% | $1 | $25 | |
| 18/65 Savings | 0.25% | 0.25% | $5.00 | $0 | |
| 18/65 Checking | $1 | $0 |
*APY=Annual Percentage Yield.
Rates are variable and may change after the account is opened. Fees May reduce earnings on the account. Membership eligibility requirements must be met.
Consumer Loan Rates
| Vehicle Type | Term | Annual Percentage Rate as low as* | Monthly Payment (per $1,000) |
|---|---|---|---|
| Model Years 2021-2023 | 36 months | 6.00% APR* | $30.42 |
| Model Years 2021-2023 | 66 months | 6.50% APR* | $18.07 |
| Model Years 2018-2023 | 78 months | 7.25% APR* | $16.12 |
| Model Years 2019-2023 | 84 months | 8.00% APR* | $15.59 |
| Model Years < 2021 | 36 months | 6.00% APR* | $30.42 |
| Model Years < 2021 | 66 months | 6.50% APR* | $18.07 |
*APR=Annual Percentage Rate.
Annual Percentage Rate may vary based on your personal credit history. Rate posted is for a 740+ FICO Credit score and 36 months. Rate is not available to all borrowers and loan requests are subject to Align underwriting criteria. Not available for commercial purpose vehicles. Maximum age of vehicle is 10 years old. Other rates, terms, and conditions may apply. Payments reflect principal and interest only. Additional .25% rate discount if the loan to value is less than 70%. Loan to value is calculated based on loan amount and NADA or sticker price of vehicle.
Programs, rates, terms and conditions subject to change without notice. All loans subject to credit approval. Credit union membership is required. Members must maintain a $5 deposit relationship. Amount financed includes $60 VSI Insurance.
| Vehicle Type | Term | APR as low as | Monthly Payment (per $1,000) |
|---|---|---|---|
| New RV** (Models Years 2021/2023) | 10 Years | 8.25% APR* | $12.27 |
| Used RV***(Model Years < 2021) | 10 Years | 8.50% APR* | $12.41 |
| New RV* (Model Years 2021/2023) | 5 Years | 8.25% APR* | $20.40 |
| Used RV Model Years < 2021 | 5 Years | 8.50% APR* | $20.52 |
*APR=Annual Percentage Rate
**Maximum amount is 100% of NADA Book Value or Sticker Price
***Maximum amount is 100% of NADA Book Value
Programs, rates, terms and conditions subject to change without notice. The rate may vary depending on each individual's credit experience. All loans subject to credit approval. Credit Union membership is required.
| Motorcycle Year | Term | Annual Percentage Rate as low as* | Monthly Payment (per $1,000) |
|---|---|---|---|
| New Motorcycle 2022-2023 | 66 months | 6.50% APR* | $18.07 |
| Used Motorcycle 2018-2021 | 66 months | 6.50% APR* | $18.07 |
*APR= Annual Percentage Rate
APR may vary based on your personal credit history. Other rates and terms available. Payments reflect principal and interest only. Loan to value is calculated based on loan amount and NADA of the motorcycle. All loans subject to credit approval. Credit Union membership is required.
Up to 100% financing based on NADA Retail value and credit score.
| Product | APR | Maximum Amount* | Monthly Payment (per $1,000) | Term |
|---|---|---|---|---|
| Personal Loan* | 9.50% APR* | $20,000 | $22.84 | 54 Month |
*Annual Percentage Rate
**Contact us for rates and terms for higher loan amounts.
Subject to credit approval. Annual Percentage Rate effective 10/23/2023. APR based on your individual creditworthiness. 9.50% rate is for a 740+ FICO score and 54 months. The estimated monthly payment for a 54-month loan would be $22.84 per $1,000 borrowed. Credit union membership required. Members must maintain a $5 deposit relationship.
| Account Type | Maximum Amount* | APR |
|---|---|---|
| Platinum Credit Card | $20,000 | 13.50% to 18.00%% APR* |
*APR= Annual Percentage Rate
**prime plus margin
Rates as low as 13.50% Variable APR based on your credit worthiness. APR effective as 08/23/2023. Other fees may include: Cash Advance fee of 2% of the cash advance or $5.00 minimum. $90 maximum; Foreign Transaction Fee of 1% of transaction in U.S. Dollars; Returned Payment Fee of up to $20; Late Payment Fee of 10% of the outstanding balance or maximum of $10.
Programs, rates, terms and conditions subject to change without notice. The rate may vary depending on each individual's credit experience. All loans subject to credit approval. Credit Union membership is required.
Mortgage Rates
| Product | Rate | APR | Discount Points | Cost per $1000 |
|---|---|---|---|---|
| 30 Year Fixed* | 7.125% | 7.404% APR* | 0 | $6.74 |
| 20 Year Fixed* | 6.875% | 7.173% APR* | 0 | $7.68 |
| 15 Year Fixed* | 6.750% | 7.077% APR* | 0 | $8.85 |
| 10 Year Fixed* | 6.750% | 7.169% APR* | 0 | $11.48 |
Disclosure:
*APR= Annual Percentage Rate
LTV=Loan-To-Value
Loan must meet secondary market guidelines, please see additional disclosures below.
Loan-to-value over 80% requires private mortgage insurance.
Point options are available upon request from your Loan Officer.
Rates displayed assume a 60% loan-to-value, Purchase of a single family residence, and a Fico Score over 740. All other loan scenarios will be priced through your Align Credit Union Loan Officer. Please contact your loan officer for additional information. Payment example is based on a loan amount of $100,000.00.
| Product | Rates | APR | Discount Points | Term | Rate Caps | Fully Indexed Rate | Range of Monthly Payments per $10,000 |
|---|---|---|---|---|---|---|---|
| 3/1 Adjustable Rate Mortgage1 | 6.125% | 7.407% APR* | 0% | 360 | 2%/2%/6% | 7.660% | Year 1-3 $60.76 Year 4 $49.30-73.40 Year 5 $48.60-86.60 Year 6-30 $48.60-93.33 |
| 5/1 Adjustable Rate Mortgage 2 | 6.375% | 7.296% APR* | 0% | 360 | 2%/2%/6% | 7.660% | Year 1-5 $62.39 Year 6 $51.30-74.50 Year 7 $49.40-87.10 Year 8- 30 $49.40-93.60 |
| 7/1 Adjustable Rate Mortgage3 | 6.625% | 7.279% APR* | 0% | 360 | 2%/2%/6% | 7.660% | Years 1-7 $64.03 Years 8 $53.40-75.60 Years 9 $50.40-87.60 Years 10-30 $50.40-93.70 |
*APR=Annual Percentage Rate
Rate subject to change without notice.
Adjustable Rate APR subject to increase after initial discount rate period.
**For example, on a $10,000, 30 year loan with an initial interest rate of 6.125% the maximum amount the interest rate can rise under this program is 5.00 percentage points to 11.125% and the monthly payment can rise from an initial payment of $60.76 to a maximum of $93.33 in the 61st month. To see what your payments would be, divide your mortgage amount by $10,000, then multiply the monthly payment by that amount. For example, the monthly payment for a mortgage amount of $60,000, using the initial interest rate shown above would be: $60,000 / $10,000 = 6; 6 x 60.76 = $364.56 per month. (Margin 2.50, Floor Rate 4.00%, the maximum amount the rate can increase or decrease at each rate change is 2% & the maximum amount the rate can increase over the life of the loan is 5% [Rate Caps], used the 3 year Constant Maturity Treasury Index)
***For example, on a $10,000, 30 year loan with an initial interest rate of 6.375% the maximum amount the interest rate can rise under this program is 5.00 percentage points to 11.375% and the monthly payment can rise from an initial payment of $62.39 to a maximum of $93.60 in the 85th month. To see what your payments would be, divide your mortgage amount by $10,000, then multiply the monthly payment by that amount. For example, the monthly payment for a mortgage amount of $60,000, using the initial interest rate shown above would be: $60,000 / $10,000 = 6; 6 x 62.39 = $374.34 per month. (Margin 2.50, Floor Rate 4.00%, the maximum amount the rate can increase or decrease at each rate change is 2% & the maximum amount the rate can increase over the life of the loan is 5% [Rate Caps], used the 1 year Constant Maturity Treasury Index)
****For example, on a $10,000, 30 year loan with an initial interest rate of 6.625% the maximum amount the interest rate can rise under this program is 5.00 percentage points to 11.625% and the monthly payment can rise from an initial payment of $64.03 to a maximum of $93.72 in the 109th month. To see what your payments would be, divide your mortgage amount by $10,000, then multiply the monthly payment by that amount. For example, the monthly payment for a mortgage amount of $60,000, using the initial interest rate shown above would be: $60,000 / $10,000 = 6; 6 x 64.03 = $384.18 per month. (Margin 2.50, Floor Rate 4.00%, the maximum amount the rate can increase or decrease at each rate change is 2% & the maximum amount the rate can increase over the life of the loan is 5% [Rate Caps], used the 1 year Constant Maturity Treasury Index)
Please keep in mind that the actual rates offered may be adjusted based on your credit history and other factors that could impact our actual rate. This may result in a lower or higher rate than our published rate.
Rates displayed assume a 60% loan-to-value, Purchase of a single family residence, and a Fico Score over 740. All other loan scenarios will be priced through your Align Credit Union Loan Officer. Please contact your loan officer for additional information. Payment example is based on a loan amount of $100,000.00.
Fees may increase based on credit score, down payment, purpose of loan, subordinate financing and property type. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
Payments listed do not include amounts for taxes and insurances.
Loan must meet secondary market guidelinesLoan-to-value over 80% requires private mortgage insurance.
Loan to value over 80% - add 0.25% to the rate.
Point options are available upon request from your Loan Officer
Membership Requirement: An account must be established prior to the loan closing in order to meet the membership eligibility requirements. Align members must maintain a $5 deposit relationship.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Shares and Deposits in excess of NCUA limits are fully insured by MSIC. NMLS ID 423280
| Product | Intro rate fixed for 12 months | After Introductory Rate | Current Rate without Introductory Offer |
|---|---|---|---|
| Home Equity Line of Credit | 5.990% APR* | Prime - 1.00% adjusting monthly | 7.500% APR |
*APR – Annual Percentage Rate. APR and rates may be subject to change without notice.
HELOC - An introductory Annual Percentage Rate (APR) as low as 5.99% for the first twelve billing cycles with a daily periodic rate of 0.0204918033%. Thereafter, the APR will be set on the 25th business day of each month which will be either a floor rate of 3.50% APR with a daily periodic rate of 0.0095890411%, or, the Prime Rate published in the Wall Street Journal on the 25th day of each month minus 1.00%, whichever is greater.
Current Prime Rate is: 8.50%
Maximum rate is 18%. Floor rate is 3.50%. Draw period is 10 years with 10 additional years to repay. Loan must be a first or second lien position.
Equity determined by taking 80% of property value and deducting the balance of any mortgages. If appraisal is required, the charge will range from $475 to $700. The minimum loan amount is $10,000 and the maximum is $250,000. Property insurance required. Rate subject to change after consummation.
An Early Termination Fee will be assessed if the HELOC is closed within the first 24 months after consummation. The fee will range from $584 to $1,384 and will be determined based upon the fees incurred by Align Credit Union during the processing and consummation of the HELOC.
Align members must maintain a $5 deposit relationship.
Offer applies to owner occupied primary residences and second home residences only. Offer may be withdrawn without notice. All requests subject to credit approval.
| Product | Rates | APR | Cost per $1000 |
|---|---|---|---|
| Fixed 5 Year | 6.250% | 6.604% APR* | $19.45 |
| Fixed 10 Year | 6.750% | 6.945% APR* | $11.48 |
| Fixed 15 Year | 7.000% | 7.142% APR* | $8.99 |
| Fixed 20 Year | 7.250% | 7.366% APR* | $7.90 |
*APR=Annual Percentage Rate
The minimum loan amount is $10,000 and the maximum is $250,000.
Property insurance is required. Must be a junior lien position.
All requests are subject to credit approval.
Actual rate offered may be adjusted based on credit history and other factors – this may result in a higher rate than our published rate.
