Align Credit Union


Overview / Commentary
800-942-9575
40 Market St
Lowell, MA 01852

Align Credit Union is headquartered in Lowell and is the 24th largest credit union in the state of Massachusetts. It is also the 610th largest credit union in the nation. It was established in 1922 and as of June of 2024, it had grown to 111 employees and 31,236 members at 9 locations. Align Credit Union's CD rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

Align Credit Union is open to anyone who lives, works, or attends school in more than 130 cities/towns in eastern Massachusetts or 45 cities/towns in southern New Hampshire. Individuals who work for communication companies in eastern Massachusetts or southern New Hampshire also qualify for membership.
See current membership details

Reviews

No reviews have been left for this bank yet. Be the first to review.



Health

Health Grade Components

Overall
NCUA #66365
Year Chartered1922
Employees111
Primary Regulator
Profit Margin
Return on Assets - YTD-1.03%
Return on Equity - YTD-20.81%
Annual Interest Income$12.7MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$681.8MM$704MM
LoansQ2 2024vs Q2 2023$395.1MM$390.1MM
DepositsQ2 2024vs Q2 2023$560.3MM$595.4MM
Equity CapitalQ2 2024vs Q2 2023$34MM$35.2MM
Loan Loss AllowanceQ2 2024vs Q2 2023$2.5MM$2.5MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$3.1MM$1.4MM
Real Estate OwnedQ2 2024vs Q2 2023$0$0
Rates
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Align Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Align Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.70%*$250k*-Business Tiered IRA Savings
OTHER TIERS: 0.25% $25 - $2.5k | 0.85% $2.5k - $10k | 1.00% $10k - $25k | 1.15% $25k - $50k | 1.35% $50k - $100k | 1.50% $100k - $250k
1.70%*$250k*-Tiered IRA Savings
OTHER TIERS: 0.25% $0 - $2.5k | 0.85% $2.5k - $10k | 1.00% $10k - $25k | 1.15% $25k - $50k | 1.35% $50k - $100k | 1.50% $100k - $250k
0.25%$25-Variable IRA
0.25%$25-Business Savings
0.25%$25-SEP IRA Variable Account
0.25%$5-Membership Savings
0.25%$25-My Goal Savings
0.25%$0-18/65 Savings
0.10%$25-Holiday Club

Align Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.70%*$250k*-Tiered Money Manager Account
OTHER TIERS: 0.25% $25 - $2.5k | 0.85% $2.5k - $10k | 1.00% $10k - $25k | 1.15% $25k - $50k | 1.35% $50k - $100k | 1.50% $100k - $250k
1.70%*$250k*-Business Money Market
OTHER TIERS: 0.15% $25 - $2.5k | 0.50% $2.5k - $5k | 0.85% $5k - $10k | 1.00% $10k - $25k | 1.15% $25k - $50k | 1.50% $50k - $250k
1.70%*$250k*-18/65 Money Market
OTHER TIERS: 0.25% $0 - $2.5k | 0.85% $2.5k - $10k | 1.00% $10k - $25k | 1.15% $25k - $50k | 1.35% $50k - $100k | 1.50% $100k - $250k

Align Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$0-Benefit Checking
0.25%$0-Student Checking
0.10%$15-Commercial Checking

Align Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.86%$500-Business 5 Month CD Special
4.86%$500-Business 8 Month CD Special
4.73%$500-5 Month CD Special
4.59%$500-8 Month CD Special
3.85%$100$2.5k12 Month Starter CD
3.75%$500-1 Year CD
3.75%$500-Business 1 Year CD
3.50%$500-1.5 Year CD
3.50%$500-Business 1 1/2 Year CD
3.25%$500-6 Month CD
3.25%$500-Business 6 Month CD
3.10%$500-2 Year CD
3.10%$500-Business 2 Year CD
2.85%$500-5 Year CD
2.85%$500-4 Year CD
2.85%$500-3 Year CD
2.85%$500-2.5 Year CD
2.85%$500-Business 2 1/2 Year CD
2.85%$500-Business 3 Year CD
2.85%$500-Business 4 Year CD
2.85%$500-Business 5 Year CD
2.00%$500-91 Day CD
2.00%$500-Business 91 Day CD

Align Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.86%$500-Business 5 Month SEP IRA Special
4.86%$500-Business 8 Month IRA Special
4.73%$500-5 Month IRA Special
4.59%$500-8 Month IRA Special
3.75%$500-1 Year IRA
3.75%$500-Business 1 Year SEP IRA
3.50%$500-1.5 Year IRA
3.50%$500-Business 1.5 Year SEP IRA
3.25%$500-6 Month IRA
3.25%$500-Business 6 Month SEP IRA
3.10%$500-2 Year IRA
3.10%$500-Business 2 Year SEP IRA
2.85%$500-2.5 Year IRA
2.85%$500-3 Year IRA
2.85%$500-4 Year IRA
2.85%$500-5 Year IRA
2.85%$500-Business 2.5 Year SEP IRA
2.85%$500-Business 3 Year SEP IRA
2.85%$500-Business 4 Year SEP IRA
2.85%$500-Business 5 Year SEP IRA
2.00%$500-91 Day IRA
2.00%$500-Business 91 Day SEP IRA
Locations


Align Credit Union Locations
Corporate Office87 Hale StLowell, MA 01851
Branch Office40 Market StLowell, MA 01852
Branch Office235 Old Connecticut PathFramingham, MA 01701
Branch Office110 Newbury StDanvers, MA 01923
Branch Office20 Cushing AveHaverhill, MA 01830
Branch Office211G Lowell StWilmington, MA 01887
Branch Office19 Haverhill RdAmesbury, MA 01913
Branch Office70 East StMethuen, MA 01844-4597
Branch Office68 Lafayette RdSeabrook, NH 03874

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.