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Align Credit Union

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Overview / Commentary

www.aligncu.com

978-452-9961

40 Market St
Lowell, MA 01852

Align Credit Union is headquartered in Lowell and is the 20^th largest credit union in the state of Massachusetts. It is also the 504^th largest credit union in the nation. It was established in 1922 and as of December of 2018, it had grown to 120 employees and 27,787 members at 6 locations. Align Credit Union's money market rates are 3X 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

Related Posts

View all posts from:

2011
2010
2006

6/22 - Add-On CD & Savings Account Promo at NMTW Community Credit Union in MA & NH - Local Only

7/16 - Top Add-On CD Rate & $100 Savings Account Promo at NMTW Community Credit Union in MA & NH - Local Only

10/18 - 5.97% 21-Month CD at a Massachusetts CU (NMTW)

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Health

A

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	66365
Year Chartered	1922
Employees	120
Primary Regulator

Profit Margin
Return on Assets - YTD	0.12%
Return on Equity - YTD	1.02%
Annual Interest Income	$20.4MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$571.6MM$578.9MM
Loans	Q4 2018vs Q4 2017	$398.9MM$378.8MM
Deposits	Q4 2018vs Q4 2017	$432.0MM$435.5MM
Equity Capital	Q4 2018vs Q4 2017	$66.8MM$68.9MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$806.00K$720.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$504.00K$1.2MM
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.45%	$25	-	Variable IRA
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.25%^*	$250k^*	-	Tiered Money Manager Account
OTHER TIERS: 0.25% → $25 - $2.5k \| 0.55% → $2.5k - $10k \| 0.65% → $10k - $25k \| 0.75% → $25k - $50k \| 0.95% → $50k - $100k \| 1.05% → $100k - $250k
1.25%^*	$250k^*	-	Business Money Market
OTHER TIERS: 0.15% → $25 - $2.5k \| 0.50% → $2.5k - $5k \| 0.60% → $5k - $10k \| 0.70% → $10k - $25k \| 0.85% → $25k - $50k \| 1.05% → $50k - $250k

Align Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	-	-	Benefit Checking
0.25%	-	-	Student Checking
0.10%	-	-	Commercial Checking

Align Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.00%	$500	-	5 Year CD
3.00%	$500	-	Business 5 Year CD
2.70%	$500	-	4 Year CD
2.70%	$500	-	Business 4 Year CD
2.50%	$500	-	3 Year CD
2.50%	$500	-	Business 3 Year CD
2.30%	$500	-	2.5 Year CD
2.30%	$500	-	Business 2 1/2 Year CD
2.25%	$500	-	2 Year CD
2.25%	$500	-	Business 2 Year CD
2.25%	$500	-	11 Month CD Special
2.25%	$500	-	Business 11 Month CD Special
2.15%	$500	-	1.5 Year CD
2.15%	$500	-	Business 1 1/2 Year CD
2.10%	$100	$2.5k	Youth 12 Month Starter CD
2.05%	$500	-	2 Year Home Start CD
2.00%	$500	-	1 Year CD
2.00%	$500	-	Business 1 Year CD
1.25%	$500	-	6 Month CD
1.25%	$500	-	Business 6 Month CD
1.00%	$500	-	91 Day CD
1.00%	$500	-	Business 91 Day CD

Align Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.00%	$500	-	5 Year IRA
3.00%	$500	-	5 Year SEP IRA
2.75%	$500	-	30 Month Bump-Up IRA Special
2.75%	$500	-	30 Month Bump-Up SEP IRA Special
2.70%	$500	-	4 Year IRA
2.70%	$500	-	4 Year SEP IRA
2.50%	$500	-	3 Year IRA
2.50%	$500	-	3 Year SEP IRA
2.45%	$500	-	14 Month Bump-Up IRA Special
2.45%	$500	-	14 Month Bump-Up SEP IRA Special
2.30%	$500	-	2.5 Year IRA
2.30%	$500	-	2.5 Year SEP IRA
2.25%	$500	-	2 Year IRA
2.25%	$500	-	2 Year SEP IRA
2.15%	$500	-	1.5 Year IRA
2.15%	$500	-	1.5 Year SEP IRA
2.00%	$500	-	1 Year IRA
2.00%	$500	-	1 Year SEP IRA
1.25%	$500	-	6 Month IRA
1.25%	$500	-	6 Month SEP IRA
1.00%	$500	-	91 Day IRA
1.00%	$500	-	91 Day SEP IRA

Locations

Align Credit Union Locations
Branch Office	40 Market St	Lowell, MA 01852
Branch Office	87 Hale St	Lowell, MA 01851
Branch Office	969 Concord St	Framingham, MA 01701
Branch Office	110 Newbury St	Danvers, MA 01923
Branch Office	20 Cushing Ave	Haverhill, MA 01830
Branch Office	19 Haverhill Road	Amesbury, MA 01913

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