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Overview / Commentary
978-452-9961
40 Market St
Lowell, MA 01852

Align Credit Union is headquartered in Lowell and is the 19th largest credit union in the state of Massachusetts. It is also the 495th largest credit union in the nation. It was established in 1922 and as of March of 2018, it had grown to 109 employees and 28,156 members at 6 locations. Align Credit Union's money market rates are 2X the national average, and it has an A health rating.

Field of Membership Restrictions

Align CU is open to anyone that resides, holds employment, or is enrolled as a student in the Eastern Massachusetts and the Southern New Hampshire area. Align CU still recognizes all of the employees that work for area phone companies for membership eligibility as well.
See current membership details

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Health

Health Grade Components

Overall
NCUA #66365
Year Chartered1922
Employees109
Primary Regulator
Profit Margin
Return on Assets - YTD0.06%
Return on Equity - YTD0.53%
Annual Interest Income$4.9MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$571.9MM$606.3MM
LoansQ1 2018vs Q1 2017$382.7MM$375.0MM
DepositsQ1 2018vs Q1 2017$435.3MM$446.1MM
Equity CapitalQ1 2018vs Q1 2017$66.4MM$67.6MM
Loan Loss AllowanceQ1 2018vs Q1 2017$713.00K$964.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$330.00K$1.4MM
Real Estate OwnedQ1 2018vs Q1 2017$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%--Kids Super Saver
0.75%--Teen Super Saver
0.75%--Student Super Saver
0.45%$25-IRA Variable Account
0.45%$25-SEP IRA Variable Account
0.25%--Business Savings
0.25%$25-Membership Savings
0.25%$25-My Goal Savings

Align Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%*$100k*-Tiered Money Manager Account
OTHER TIERS: 0.25% $25 - $2,500 | 0.45% $2,500 - $10k | 0.55% $10k - $25k | 0.65% $25k - $50k | 0.80% $50k - $100k
0.90%*$50k*-Business Money Market Account
OTHER TIERS: 0.15% Up to $2,500 | 0.45% $2,500 - $5k | 0.55% $5k - $10k | 0.65% $10k - $25k | 0.80% $25k - $50k

Align Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--Benefit Checking
0.25%--Student Checking
0.10%--Commercial Checking

Align Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.30%$500-5 Year CD
2.30%$500-Business 5 Year CD
2.15%*$100k*-21 Month CD Special
OTHER TIERS: 1.65% $500 - $25k | 1.80% $25k - $100k
2.15%*$100k*-Business 21 Month CD Special
OTHER TIERS: 1.65% $500 - $25k | 1.80% $25k - $100k
2.05%$500-4 Year CD
2.05%$500-Business 4 Year CD
1.90%*$25k*$100k11 Month CD Special
OTHER TIERS: 1.50% $100+ | 1.65% $500 - $25k
1.90%*$25k*$100kBusiness 11 Month CD Special
OTHER TIERS: 1.50% $100+ | 1.65% $500 - $25k
1.85%$500-3 Year CD
1.85%$500-Business 3 Year CD
1.70%$500-2 1/2 Year CD
1.70%$500-Business 2 1/2 Year CD
1.65%$500-2 Year CD
1.65%$500-Business 2 Year CD
1.50%$500-1 1/2 Year CD
1.50%$500-Business 1 1/2 Year CD
1.35%$100$2.5kStarter CD 1 Year
1.25%$500-1 Year CD
1.25%$500-Business 1 Year CD
0.80%$500-6 Month CD
0.80%$500-Business 6 Month CD
0.60%$500-91 Day CD
0.60%$500-Business 91 Day CD

Align Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.30%$500-5 Year IRA
2.30%$500-5 Year SEP IRA
2.15%*$100k*-21 Month IRA Special
OTHER TIERS: 1.65% $500 - $25k | 1.80% $25k - $100k
2.15%*$100k*-21 Month SEP IRA Special
OTHER TIERS: 1.65% $500 - $25k | 1.80% $25k - $100k
2.05%$500-4 Year IRA
2.05%$500-4 Year SEP IRA
1.90%*$100k*-11 Month IRA Special
OTHER TIERS: 1.50% $500 - $25k | 1.65% $25k - $100k
1.90%*$100k*-11 Month SEP IRA Special
OTHER TIERS: 1.50% $500 - $25k | 1.65% $25k - $100k
1.85%$500-3 Year IRA
1.85%$500-3 Year SEP IRA
1.70%$500-2 1/2 Year IRA
1.70%$500-2 1/2 Year SEP IRA
1.65%$500-2 Year IRA
1.65%$500-2 Year SEP IRA
1.50%$500-1 1/2 Year IRA
1.50%$500-1 1/2 Year SEP IRA
1.25%$500-1 Year IRA
1.25%$500-1 Year SEP IRA
0.80%$500-6 Month IRA
0.80%$500-6 Month SEP IRA
0.60%$500-91 Day IRA
0.60%$500-91 Day SEP IRA
Locations


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 Office19 Haverhill RoadAmesbury, MA 01913

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