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Products

Align Credit Union offers a variety of loan programs to meet your needs. Contact us for more information about various loan options and rates not shown below.

 
30 Year Fixed
20 Year Fixed
15 Year Fixed
30 Year Fixed Jumbo
3/1 Adjustable Rate Mortgage
5/1 Adjustable Rate Mortgage
7/1 Adjustable Rate Mortgage

Rates last updated on Thursday, July 20, 2017

30 Year Fixed
Term: 30 years   Maximum Amount: $417,000
RatesAPRPointsPayment
3.875%4.042%0%$1,058.04

20 Year Fixed
Term: 20 years   Maximum Amount: $417,000
RatesAPRPointsPayment
3.625%3.855%0%$1,319.41

15 Year Fixed
Term: 15 years   Maximum Amount: $417,000
RatesAPRPointsPayment
3.25%3.543%0%$1,581.00

30 Year Fixed Jumbo
Term: 30 years   Maximum Amount: $1,500,000
RatesAPRPointsPayment
4.125%4.294%0%$2,059.76

3/1 Adjustable Rate Mortgage
Term: 30 years   Maximum Amount: $1,500,000
RatesAPRPointsPayment
2.75%3.315%0%$918.54
 

At a 2.75% initial interest rate, the APR for this loan type is 3.768%, subject to increase. Based on current market conditions, the payment schedule would be:

  • 36 payments of $918.54 at an interest rate of 2.75%
  • 323 payments of $1060.42 at an interest rate of 4.00%
  • 1 payment of $1061.42 at an interest rate of 4.00%

5/1 Adjustable Rate Mortgage
Term: 30 years   Maximum Amount: $1,500,000
RatesAPRPointsPayment
3.375%3.249%0%$994.72
 

At a 3.375% initial interest rate, the APR for this loan type is 3.359%, subject to increase. Based on current market conditions, the payment schedule would be:

  • 60 payments of $994.72 at an interest rate of 3.375%
  • 299 payments of $1062.97 at an interest rate of 4.00%
  • 1 payment of $1061.89 at an interest rate of 4.00%

7/1 Adjustable Rate Mortgage
Term: 30 years   Maximum Amount: $1,500,000
RatesAPRPointsPayment
3.875%3.719%0%$1,058.03
 

At a 4.00% initial interest rate, the APR for this loan type is 3.651%, subject to increase. Based on current market conditions, the payment schedule would be:

  • 84 payments of $1058.04 at an interest rate of 3.875%
  • 275 payments of $1071.08 at an interest rate of 4.00%
  • 1 payment of $1066.67 at an interest rate of 4.00%


APR= Annual Percentage Rate
Rates and points shown are for members with the best credit profile. Other rates and points are available based on credit history and appraisal. Different rates may apply for cash out refinances. 20 and 10 year Fixed Rates also available. The payments listed above do not include amounts for taxes and insurance.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $225,000 and an estimated property value of $300,000(25% downpayment). The property is located in MA and is within Middlesex county. The property is a new single family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740. The rate lock period is 45 days. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes. *No Points No Closing Costs (NPNC) Options: Please contact a Home Financing Consultant for a personalized quote. Loan must be used to purchase a home (primary residence or vacation home). Minimum loan amount is $150,000. Auto-matic payment from an ALIGN account is required on all NPNC loans. Cost of appraisal and mortgage discharge fees may be required. Not available on Jumbo mortgages.