Rates
Nothing is more important to us than saving you money. Below you'll find plenty of ways to come out ahead with great rates on everything from Share Savings Accounts and Certificates to a spectrum of loans that feature outstanding low rates.
Savings
Vehicle Loans
Personal Loans
Home Equity
Mortgage

Savings Rates
Effective 8/2/2014; subject to change.
On this page:
Share Rates
Dividend Checking
High Yield Money Market Accounts
Share Certificates (CDs)
IRAs (Individual Retirement Accounts)

Share Rates
Regular Share, Club Accounts,
Dollar Dog, IRA Shares
APY Dividend Rate Deposit Range
0.025% 0.025% $100.00 - $24,999.99
0.025% 0.025% $25,000.00+

Your savings insured to $250,000 by the National Credit Union Administration(NCUA), a U.S. Government Agency.

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Dividend Checking
APY Dividend Rate Deposit Range
0.025% 0.025% $15,000.00 +
Monthly Service Fee will be assessed and no dividend accrued if the balance falls below $15,000.00 any day of the dividend period.

Your savings insured to $250,000 by the National Credit Union Administration(NCUA), a U.S. Government Agency.

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High Yield Money Market Accounts
APY Dividend Rate Deposit Range
0.025% 0.025% $0.01 - $2,499.99
0.025% 0.025% $2,500 - $9,999.99
0.025% 0.025% $10,000.00 - $24,999.99
0.050% 0.050% $25,000.00 - $49,999.99
0.050% 0.050% $50,000.00 - $99,999.99
0.050% 0.050% $100,000.00 - $199,999.00
0.050% 0.050% $200,000.00+
High Yield Money Market accounts require a $2,500 minimum opening deposit, but can be maintained with a lower balance. The rate for balances less than $2,500 can be seen in the row with a deposit range of $0.01 - $2,499.99. .

Your savings insured to $250,000 by the National Credit Union Administration(NCUA), a U.S. Government Agency.

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Share Certificates (CDs)
Term APY Dividend Rate Minimum Deposit
3 Months 0.025% 0.025% $500
6 Months 0.025% 0.025% $500
9 Months 0.025% 0.025% $500
12 Months 0.100% 0.100% $500
24 Months 0.200% 0.200% $500
36 Months 0.350% 0.349% $500
48 Months 0.350% 0.349% $500
60 Months 0.350% 0.349% $500
APY - annual percentage yield. Special APY restricted to new money. Early withdrawal penalties apply. Your savings insured to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency. Offer subject to change without notice.

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IRAs (Individual Retirement Accounts)
Term APY Dividend Rate Minimum Deposit
3 Months 0.025% 0.025% $500
6 Months 0.025% 0.025% $500
9 Months 0.025% 0.025% $500
12 Months 0.100% 0.100% $500
24 Months 0.200% 0.200% $500
36 Months 0.350% 0.349% $500
48 Months 0.350% 0.349% $500
60 Months 0.350% 0.349% $500
APY - annual percentage yield. Special APY restricted to new money. Early withdrawal penalties apply. Your savings insured to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency. Offer subject to change without notice.

*Limit one per member.

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Rates subject to change without notice. Account rates accurate as of most recent dividend declaration date, subject to change. Except for certificates, rates and APYs can vary after account is opened. Except for High Yield Money Market accounts, the lowest minimum deposit shown is the minimum required to open and maintain the account. Within each account the different balance levels are those required to earn the different available yields. High Yield Money Market accounts require a $2,500 minimum opening deposit, but can be maintained with a lower balance. Fees can reduce earnings.

Early withdrawal penalties apply to certificates. Withdrawals from certificates prior to end of stated terms will reduce earnings.

Vehicle Loan Rates
Effective 8/2/2014; subject to change.
On this page:
New Vehicles
Used Vehicles
Older Vehicles
New Motorcycles
Used Motorcycles
New & Used Personal Watercraft (jet ski), ATV, Snowmobile, New Utility Tractor & Riding Mowers
New & Used Boats
New Motorhomes/RV, 5th Wheel & Trailers
Used Motorhomes/RV, 5th Wheel & Trailers

New Vehicles (1)Apply Now
Minimum AmountTermAPR
$2,000 24 Months As low as 1.99%*
$2,000 36 Months As low as 1.99%*
$2,00048 Months As low as 1.99%*
$5,000 60 Months As low as 1.99%*
$15,000 72 Months As low as 2.49%
$20,000 84 Months As low as 2.49%

New vehicles are model year 2012 or newer with less than 20,000 miles. Alliance may finance up to 125% of MSRP or Kelley Blue Book retail value plus tax, license, mechanical breakdown insurance and gap insurance.

GAP financing limits: Alliance will finance up to 100% of the premium for GAP sold by Alliance or up to $895 of the premium for GAP sold by a vehicle dealer. Mechanical breakdown insurance (MBI) financing limits: Alliance will finance up to 100% of the premium for MBI sold by Alliance or up to $5,000 of the premium for MBI sold by a vehicle dealer (within LTV Maximums).

Rate modifications of existing Alliance vehicle loans to a lower rate subject to approval and $50 fee.

No commercial vehicles. Trucks and vans limited to one ton.

*Minimum loan amount of $15,000 is required to receive the 1.99% APR auto rate promotion. Maximum term of 60 months. More restrictions may apply.

The range for new auto loan rates is 1.99% - 12.99%. New auto loan with a rate of 1.99% APR at a 60-month loan will estimate a payment of $17.53 per $1,000 borrowed.

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Used Vehicles (1)Apply Now
Minimum AmountTermAPR
$2,000 24 Months As low as 1.99%*
$2,000 36 Months As low as 1.99%*
$2,00048 Months As low as 1.99%*
$5,00060 Months As low as 1.99%*
$15,00072 Months As low as 2.49%
$20,00084 Months As low as 2.49%

Used vehicles are model year 2007 to 2014; 150,000 mile maximum. Alliance may finance up to 125% of Kelley Blue Book retail value plus tax, license, mechanical breakdown insurance and GAP insurance.

GAP financing limits: Alliance will finance up to 100% of the premium for GAP sold by Alliance or up to $895 of the premium for GAP sold by a vehicle dealer. Mechanical breakdown insurance (MBI) financing limits: Alliance will finance up to 100% of the premium for MBI sold by Alliance or up to $5,000 of the premium for MBI sold by a vehicle dealer.

Rate modifications of existing Alliance vehicle loans to a lower rate subject to approval and $50 fee.

No commercial vehicles. Trucks and vans limited to one ton.

*Minimum loan amount of $15,000 is required to receive the 1.99% APR auto rate promotion. Maximum term of 60 months. More retrictions may apply.

The range for used auto loan rates is 1.99% - 15.99%. Used auto loan with a rate of 1.99% APR at a 60-month loan will estimate a payment of $17.53 per $1,000 borrowed.


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Older Vehicles (1)Apply Now
Minimum AmountTermAPR
$2,00024 Months As low as 3.24%
$2,00036 Months As low as 3.24%
$5,00048 Months As low as 3.24%
$5,00060 Months As low as 3.49%

Older vehicles are model years 1999 to 2006; 150,000 mile maximum. Alliance may finance up to 100% of Kelley Blue Book Retail Value including tax, license, mechanical breakdown insurance and gap insurance.

Rate modifications of existing Alliance vehicle loans to a lower rate subject to approval and $50 fee.

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New Motorcycles (1)Apply Now
Minimum AmountTermAPR
$2,00024 Months As low as 4.49%
$2,00036 Months As low as 4.49%
$2,00048 Months As low as 4.99%
$5,00060 Months As low as 4.99%
$15,00072 Months As low as 5.24%
New motorcycles are model years 2012 or newer. Alliance may finance up to 100% of MSRP on New Motorcycles or up to 100% of Kelly Blue Book on used Motorcycles including Tax, License, and warranty.

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Used Motorcycles (1)Apply Now
Minimum AmountTermAPR
$2,00024 Months As low as 4.74%
$2,00036 Months As low as 4.74%
$2,00048 Months As low as 5.24%
$5,00060 Months As low as 5.24%
$15,00072 Months As low as 5.49%
Used motorcycles are model years 2003 to 2011; 100,000 mile maximum. Alliance may finance up to 100% of MSRP on New Motorcycles or up to 100% of Kelly Blue Book on used Motorcycles including Tax, License, and warranty.

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New & Used Personal Watercraft (jet ski), ATV, Snowmobile, New Utility Tractor & Riding Mowers (1)Apply Now
Minimum AmountTermAPR
$2,00024 Months As low as 4.74%
$2,00036 Months As low as 4.74%
$2,00048 Months As low as 5.24%
$5,00060 Months As low as 5.24%
$15,00072 Months As low as 5.49%
Alliance may finance up to 100% of MSRP on New Jet Skis, ATVs, Snow Mobiles, Utility Tractors and Riding Mowers and up to 100% of Kelly Blue Book value including tax, license, and warranty.

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New & Used Boats (1)Apply Now
Minimum AmountTermAPR
$2,00024 Months As low as 4.74%
$2,000 36 Months As low as 4.74%
$2,000 48 Months As low as 5.24%
$5,00060 Months As low as 5.24%
$15,00072 Months As low as 5.49%
$25,00084 Months As low as 5.74%
$30,000120 Months As low as 5.99%
Alliance may finance up to 110% MSRP on New boats. Used boats may be financed up to 110% of Kelly Blue Book value including tax, license, and warranty. A Marine Appraisal is required on used boats. Maximum length allowed is 44 feet.

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New Motorhomes/RV, 5th Wheel & Trailers (1)Apply Now
Minimum AmountTermAPR
$5,00024 Months As low as 4.74%
$5,00036 Months As low as 4.74%
$5,000 48 Months As low as 5.24%
$5,000 60 Months As low as 5.24%
$15,000 72 Months As low as 5.49%
$25,00084 Months As low as 5.74%
$30,000 120 Months As low as 5.99%
$50,000 144 Months As low as 7.50%
2012 or newer - up to 110% of appraised value including tax, license, mechanical breakdown and Gap Insurance. Gap insurance limits: 100% of Alliance policy or $795 of auto dealer's policy. Mechanical Breakdown Insurance: 100% of Alliance policy or $2,500 of auto dealer's policy. Refinance of current Alliance auto loan to lower APR is subject to approval and $50 fee

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Used Motorhomes/RV, 5th Wheel & Trailers (1)Apply Now
Minimum AmountTermAPR
$5,00024 Months As low as 4.99%
$5,00036 Months As low as 4.99%
$5,000 48 Months As low as 5.49%
$5,000 60 Months As low as 5.49%
$15,000 72 Months As low as 5.74%
$25,00084 Months As low as 5.99%
$30,000 120 Months As low as 6.24%
$50,000 144 Months As low as 8.25%
2013 to 2012- 110% of Kelly Blue Book including tax and license. Gap insurance limits: 100% of Alliance policy or $795 of auto dealer's policy. Mechanical Breakdown Insurance: 100% of Alliance policy or $2,500 of auto dealer's policy. Refinance of current Alliance auto loan to lower APR is subject to approval and $50 fee.

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(1) Rates reflect a maximum 0.500% discount that includes: a) 0.250% Automatic Payment discount from an existing Alliance checking account and 0.250% discount using SmartPoints. Contact a loan representative for details. Not to exceed floor of 1.99% APR. If rate is 1.99%, no additional discounts are available.

Retail KBB is limited to dealer purchases only. Use Private Property KBB "Good" condition for private party and equity out.

Rate discounts do not apply to Home Equity Loans, Home Equity Lines of Credit, Share or CD secured loans or Visa. Alliance Credit Union extends vehicle loans under an closed-end program. O.A.C. means On Approved Credit. All loan commitments such as rate, term, loan amount and down payment requirements, etc. will be based on the credit worthiness and ability of the applicant(s) to meet the required loan pay off schedule. Our best rates are available to members who have a proven ability to manage their credit in an exemplary manner and the ability to effectively manage their level of unsecured debt while building assets. The maximum combined Personal Loan and Personal line-of-credit limit for members who are fully qualified is $30,000. The maximum secured loan limit for fully-qualified members (excluding those secured by pledged shares) is $1,000,000.

Personal Loan Rates
Effective 8/2/2014; subject to change.
On this page:
Visa Platinum Credit Card
Visa Rewards Credit Card
Personal Loan
Personal Line of Credit
Share Secured
Share Certificate Secured

Visa Platinum Credit Card [1]Apply Now
Minimum Credit LineMaximum Credit LineAPR on PurchasesAPR on Cash Advances
$1,000 $30,000 As low as 7.90%As low as 17.49%

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Visa Rewards Credit Card [1]Apply Now
Minimum Credit LineMaximum Credit LineAPR on PurchasesAPR on Cash Advances
$1,000$30,000As low as 9.90%As low as 17.49%

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Personal Loan [2]Apply Now
Minimum AmountMaximum AmountTermAPR
$1,000$20,000Up to 60 Months As low as 7.99%
Fixed payment loan

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Personal Line of CreditApply Now
Minimum Credit LineMaximum Credit LineAPR
$1,000$20,000 As low as 9.90%
Revolving credit limit determined on individual basis, depending on qualifications

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Share Secured Apply Now
Minimum AmountMaximum AmountTermAPR
$1,000Share account balanceUp to 60 monthsShare rate plus 3%
Secured with Share account.

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Share Certificate SecuredApply Now
(excludes IRA investments)
Minimum AmountMaximum AmountTermAPR
$1,000Certificate valueCertificate maturityCertificate rate plus 3%
Secured by share certificate

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[1] Rate discounts do not apply to Home Equity Loans or Home Equity Lines of Credit, or Visa accounts

[2] Rates reflect a 0.250% discount for Automatic Payments. Contact a loan representative for details.

Alliance Credit Union extends vehicle loans under an open-end program. O.A.C. means On Approved Credit. All loan commitments such as rate, term, loan amount and down payment requirements, etc. will be based on the credit worthiness and ability of the applicant(s) to meet the required loan pay off schedule. Our best rates are available to members who have a proven ability to manage their credit in an exemplary manner and the ability to effectively manage their level of unsecured debt while building assets. The maximum combined Personal Loan and Personal line-of-credit limit for members who are fully qualified is $30,000. The maximum secured loan limit for fully-qualified members (excluding those secured by pledged shares) is $1,000,000. Share Secured loans and Share Certificate Secured loans have a floor rate of 5.00%.

Home Equity Rates
Effective 8/2/2014; subject to change.
On this page:
Home Equity Line of Credit**
Second Mortgage Loan** - Fixed Rate & Fixed Term

Home Equity Line of Credit** Apply Now
Description APR Application Fee Closing Costs
Loan to Value (LTV) varies As low as 3.25% None None
*Subject to change without notice.

The minimum home equity credit line is $12,000 and the maximum is $250,000. The minimum payment will equal interest only during the 15 year draw period. After the 15 years, the draw period will close and further advances will not be available. The loan will then be recalculated to pay the loan off in an additional 15 years. Rate assigned depends on loan-to-value ratio on property and creditworthiness of borrower. APR is variable. Maximum lifetime variable APR on all lines of credit is 18%. You will be charged a $500 fee to partially reimburse third party fees that were paid on your behalf by Alliance if you close your Home Equity Line of Credit Loan in the first 12 months after it has been opened. Borrower to pay appraisal fee. Customary closing costs are paid by the credit union. Auto payment from an Alliance checking account is required to receive the 3.25% rate.

Our Home Equity Line of Credit is a variable rate line of credit tied to the Prime Rate as published in the Wall Street Journal. We will use the most recent index available to us as of the most recent business day and onto which we add our margin.

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Second Mortgage Loan - Fixed Rate & Fixed Term Apply Now
Description Term APR Application Fee Closing Costs
Loan to Value (LTV) varies 60 Months As low as 3.99% None None
Loan to Value (LTV) varies 120 Months As low as 4.99% None None
Loan to Value (LTV) varies 180 Months As low as 5.99% None None

Minimum loan amount $12,000. Borrower to pay appraisal fee. Customary closing costs are paid by the credit union.


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Notes for Alliance Home Equity Line of Credit and Second Mortgage Loans:


Property must be the member's single family, owner occupied primary residence; California and North Carolina properties only. Mobile homes are excluded. Ask Alliance Credit Union for more details on variable equity lines and fixed-rate second mortgage loans. Consult your tax advisor about deductibility of interest.

As an Equal Opportunity Lender, Alliance Credit Union is committed to protecting your rights to buy and sell a home.

**Rate discounts do not apply to Home Equity Lines of Credit, or Visa accounts.

Mortgage Rates
Effective 8/2/2014; subject to change.
On this page:
30 Year Fixed
20 Year Fixed
15 Year Fixed
5|5 ARM

30 Year Fixed
Conventional & Super Conforming Apply Now
DescriptionRateAPRPoints
Conventional, 80% or less 4.000% 4.025%0
Conventional, 80% or less 3.875% 3.962%.75
Conventional, 80% or less 3.750% 3.899%1.5
Conventional, 80.01% - 95% 4.500% 4.528%0
Conventional, 80.01% - 95% 4.375% 4.466%.75
Conventional, 80.01% - 95% 4.250% 4.405%1.5
Super Conforming, 80% or less 4.500% 4.524%0
Super Conforming, 80% or less 4.375% 4.462%.75
Super Conforming, 80% or less 4.250% 4.401%1.5
Super Conforming, 80.01% - 90% 5.000% 5.027%0
Super Conforming, 80.01% - 90% 4.875% 4.967%.75
Super Conforming, 80.01% - 90% 4.750% 4.907%1.5
The Annual Percentage Rate (APR) assumes a loan amount of $417,000 for conventional and $625,500 for super conforming loans. Super conforming max loan amount is only available in select areas in California. Please contact the loan department for details.

Cash Out Refinance up to 80% conventional and 75% super conforming of appraised value with no secondary financing.

Terms may be restricted based on market value or conditions.

No Cash Out Refinance up to 95% of appraised value with no secondary financing.

Purchases up to 95% of appraised value with no secondary financing.

Please contact a lending representative for available rate lock options.

Rates or fees may be adjusted as determined by amount borrowed in relationship to home value, credit evaluation, or terms of request.

Additional rates and terms may be available; please call the Loan Department.



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20 Year Fixed
Conventional & Super Conforming Apply Now
DescriptionRateAPRPoints
Conventional, 80% or less 3.625% 3.654%0
Conventional, 80% or less 3.500% 3.613%.75
Conventional, 80% or less 3.375% 3.573%1.5
Conventional, 80.01% - 95% 4.125% 4.147%0
Conventional, 80.01% - 95% 4.000% 4.108%.75
Conventional, 80.01% - 95% 3.875% 4.070%1.5
Super Conforming, 80% or less 4.125% 4.154%0
Super Conforming, 80% or less 4.000% 4.115%.75
Super Conforming, 80% or less 3.875% 4.077%1.5
Super Conforming, 80.01% - 90% 4.625% 4.650%0
Super Conforming, 80.01% - 90% 4.500% 4.613%.75
Super Conforming, 80.01% - 90% 4.375% 4.576%1.5
The Annual Percentage Rate (APR) assumes a loan amount of $417,000 for conventional and $625,500 for super conforming loans. Super conforming max loan amount is only available in select areas in California. Please contact the loan department for details.

Cash Out Refinance up to 80% conventional and 75% super conforming of appraised value with no secondary financing.

Terms may be restricted based on market value or conditions.

No cash out Refinance up to 95% of appraised value w/no secondary financing.

Purchases up to 95% of appraised value with no secondary financing.

Please contact a lending representative for available rate lock options.

Rates or fees may be adjusted as determined by amount borrowed in relationship to home value, credit evaluation, or terms of request.

Additional rates and terms may be available; please call the Loan Department.



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15 Year Fixed
Conventional & Super Conforming Apply Now
DescriptionRateAPRPoints
Conventional, 80% or less 3.125% 3.169% 0
Conventional, 80% or less 3.000% 3.152% .75
Conventional, 80% or less 2.875% 3.135% 1.5
Conventional, 80.01% - 95% 3.625% 3.673% 0
Conventional, 80.01% - 95% 3.500% 3.657% .75
Conventional, 80.01% - 95% 3.375% 3.642% 1.5
Super Conforming, 80% or less 3.625% 3.659% 0
Super Conforming, 80% or less 3.500% 3.643% .75
Super Conforming, 80% or less 3.375% 3.628% 1.5
Super Conforming, 80.01% - 90% 4.125% 4.153% 0
Super Conforming, 80.01% - 90% 4.000% 4.139% .75
Super Conforming, 80.01% - 90% 3.875% 4.125% 1.5
The Annual Percentage Rate (APR) assumes a loan amount of $417,000 for conventional and $625,500 for super conforming loans. Super conforming max loan amount is only available in select areas in California. Please contact the loan department for details.

Cash Out Refinance up to 80% conventional and 75% super conforming of appraised value with no secondary financing.

Terms may be restricted based on market value or conditions.

No Cash Out Refinance up to 95% of appraised value with no secondary financing.

Purchases up to 95% of appraised value with no secondary financing.

Please contact a lending representative for available rate lock options.

Rates or fees may be adjusted as determined by amount borrowed in relationship to home value, credit evaluation, or terms of request.

Additional rates and terms may be available; please call the Loan Department.



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5|5 ARM
Conventional & Super Conforming Apply Now
DescriptionRateAPRPoints
Conventional 3.750%* 3.750%0
Super Conforming 4.750%* 4.750%0

*Floor rate

The Annual Percentage Rate (APR) assumes a loan amount of $417,000 for conventional and $625,500 for super conforming loans. Super conforming max loan amount is only available in select areas in California. Please contact the loan department for details.

Purchase or refinance up to 80% maximum loan to value on primary residence only.

Cash Out Refinance up to 80% conventional and 75% super conforming of appraised value with no secondary financing.

Conforming loan amounts from $40,000 up to $417,000; Super Conforming loan amounts from $417,001 up to $625,500.

Minimum credit score is 640 for all applicants

Index-5 year monthly Constant Maturity Treasury

15, 20 or 30 year terms available.

2% max per adjustment period cap

5% max life of loan cap

No closing costs. If paid off within the first 12 months, a 12 month pre-payment penalty/reimbursement of all closing costs paid for by credit union will be assessed at close. Pre-payment penalty does not apply to loans in North Carolina in the amount of $150,000 or less.



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Notes for all Alliance Mortgage Loans:

APR assigned to your loan will depend on loan-to-value ratio, loan amount, repayment term selected, credit evaluation and other factors. All loans subject to credit approval.

The maximum secured loan limit for fully-qualified members (excluding those secured by pledged shares) is $1,500,000. Real estate loans are made on owner occupied dwellings; California and North Carolina properties only. Loans disbursed on the availability of funds and limitations as set by the Board of Directors. Rates are subject to change without prior notice. Alliance Credit Union reserves the right to reduce maximum term based on value and type of collateral.

As an Equal Opportunity Lender, Alliance Credit Union is committed to protecting your rights to buy and sell a home.

©2010 Alliance Credit
Union, All Rights Reserved
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