Align Credit Union

Overview / Commentary
40 Market St
Lowell, MA 01852

Align Credit Union is headquartered in Lowell and is the 18th largest credit union in the state of Massachusetts. It is also the 523rd largest credit union in the nation. It was established in 1922 and as of December of 2021, it had grown to 121 employees and 28,088 members at 9 locations. Align Credit Union has an A 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 more than 40 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


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Health Grade Components

NCUA #66365
Year Chartered1922
Primary Regulator
Profit Margin
Return on Assets - YTD0.06%
Return on Equity - YTD0.55%
Annual Interest Income$19.5MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$748.5MM$693.5MM
LoansQ4 2021vs Q4 2020$346.3MM$395.9MM
DepositsQ4 2021vs Q4 2020$624.6MM$562.9MM
Equity CapitalQ4 2021vs Q4 2020$74.6MM$81.9MM
Loan Loss AllowanceQ4 2021vs Q4 2020$1.5MM$1.4MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$1.5MM$4.6MM
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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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

0.45%*$250k*-Business Tiered IRA Savings
OTHER TIERS: 0.25% $25 - $2.5k | 0.30% $2.5k - $25k | 0.35% $25k - $100k | 0.40% $100k - $250k
0.45%*$250k*-Tiered IRA Savings
OTHER TIERS: 0.25% Up to $2.5k | 0.30% $2.5k - $25k | 0.35% $25k - $100k | 0.40% $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
0.10%$25-Holiday Club

Align Credit Union Money Market Rates

0.45%*$250k*-Tiered Money Manager Account
OTHER TIERS: 0.25% $25 - $2.5k | 0.30% $2.5k - $25k | 0.35% $25k - $100k | 0.40% $100k - $250k
0.45%*$250k*-Business Money Market
OTHER TIERS: 0.15% $25 - $2.5k | 0.30% $2.5k - $25k | 0.35% $25k - $50k | 0.40% $50k - $250k

Align Credit Union Checking Account Rates

0.25%--Benefit Checking
0.25%--Student Checking
0.10%$15-Commercial Checking

Align Credit Union CD Rates

0.90%$500-5 Year CD
0.90%$500-Business 5 Year CD
0.75%$500-4 Year CD
0.75%$500-Business 4 Year CD
0.70%$500-3 Year CD
0.70%$500-Business 3 Year CD
0.60%$500-2.5 Year CD
0.60%$500-Business 2 1/2 Year CD
0.60%$500-21 Month CD Special
0.60%$500-Business 21 Month CD Special
0.55%$500-2 Year CD
0.55%$500-Business 2 Year CD
0.45%$100$2.5k12 Month Starter CD
0.45%$500-1.5 Year CD
0.45%$500-Business 1 1/2 Year CD
0.40%$500-7 Month CD Special
0.40%$500-Business 7 Month CD Special
0.35%$500-1 Year CD
0.35%$500-Business 1 Year CD
0.30%$500-6 Month CD
0.30%$500-Business 6 Month CD
0.25%$500-91 Day CD
0.25%$500-Business 91 Day CD

Align Credit Union IRA Rates

0.90%$500-5 Year IRA
0.90%$500-Business 5 Year SEP IRA
0.75%$500-4 Year IRA
0.75%$500-Business 4 Year SEP IRA
0.70%$500-3 Year IRA
0.70%$500-Business 3 Year SEP IRA
0.60%$500-2.5 Year IRA
0.60%$500-Business 2.5 Year SEP IRA
0.60%$500-21 Month IRA Special
0.60%$500-Business 21 Month SEP IRA Special
0.55%$500-2 Year IRA
0.55%$500-Business 2 Year SEP IRA
0.45%$500-1.5 Year IRA
0.45%$500-Business 1.5 Year SEP IRA
0.40%$500-7 Month IRA Special
0.40%$500-Business 7 Month SEP IRA Special
0.35%$500-1 Year IRA
0.35%$500-Business 1 Year SEP IRA
0.30%$500-6 Month IRA
0.30%$500-Business 6 Month SEP IRA
0.25%$500-91 Day IRA
0.25%$500-Business 91 Day SEP IRA

Align Credit Union Locations
Branch Office40 Market StLowell, MA 01852
Branch Office87 Hale StLowell, MA 01851
Branch Office969 Concord StFramingham, 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

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