Align Credit Union


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 515th largest credit union in the nation. It was established in 1922 and as of December of 2020, it had grown to 121 employees and 27,343 members at 6 locations. Align Credit Union's money market rates are 25% higher than the national average, and it 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

Health Grade Components

Overall
NCUA #66365
Year Chartered1922
Employees121
Primary Regulator
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD2.1%
Annual Interest Income$22.2MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$693.5MM$641.4MM
LoansQ4 2020vs Q4 2019$395.9MM$415.8MM
DepositsQ4 2020vs Q4 2019$562.9MM$465.6MM
Equity CapitalQ4 2020vs Q4 2019$81.9MM$75.0MM
Loan Loss AllowanceQ4 2020vs Q4 2019$1.4MM$879.00K
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$4.6MM$2.5MM
Real Estate OwnedQ4 2020vs Q4 2019$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
0.80%*$250k*-Business Tiered IRA Savings
OTHER TIERS: 0.25% $25 - $2.5k | 0.30% $2.5k - $10k | 0.40% $10k - $25k | 0.50% $25k - $50k | 0.60% $50k - $100k | 0.70% $100k - $250k
0.80%*$250k*-Tiered IRA Savings
OTHER TIERS: 0.25% Up to $2.5k | 0.30% $2.5k - $10k | 0.40% $10k - $25k | 0.50% $25k - $50k | 0.60% $50k - $100k | 0.70% $100k - $250k
0.25%$25-Variable IRA
0.25%$25-Business Savings
0.25%$25-SEP IRA Variable Account
0.25%$25-Membership Savings
0.25%$25-My Goal Savings
0.10%$25-Holiday Club

Align Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$250k*-Tiered Money Manager Account
OTHER TIERS: 0.25% $25 - $2.5k | 0.30% $2.5k - $10k | 0.35% $10k - $25k | 0.40% $25k - $50k | 0.45% $50k - $100k | 0.50% $100k - $250k
0.55%*$250k*-Business Money Market
OTHER TIERS: 0.15% $25 - $2.5k | 0.30% $2.5k - $5k | 0.35% $5k - $10k | 0.40% $10k - $25k | 0.45% $25k - $50k | 0.50% $50k - $250k

Align Credit Union Checking Account Rates

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

Align Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$500-5 Year CD
1.00%$500-Business 5 Year CD
0.85%$500-4 Year CD
0.85%$500-Business 4 Year CD
0.80%$500-Business 21 Month CD Special
0.75%$500-3 Year CD
0.75%$500-Business 3 Year CD
0.70%$500-21 Month CD Special
0.65%$500-2.5 Year CD
0.65%$500-Business 2 1/2 Year CD
0.60%$500-2 Year CD
0.60%$500-Business 2 Year CD
0.50%$100$2.5k12 Month Starter CD
0.50%$500-1.5 Year CD
0.50%$500-Business 1 1/2 Year CD
0.45%$500-7 Month CD Special
0.45%$500-Business 7 Month CD Special
0.40%$500-1 Year CD
0.40%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$500-5 Year IRA
1.00%$500-Business 5 Year SEP IRA
0.85%$500-4 Year IRA
0.85%$500-Business 4 Year SEP IRA
0.75%$500-3 Year IRA
0.75%$500-Business 3 Year SEP IRA
0.70%$500-21 Month IRA Special
0.70%$500-Business 21 Month SEP IRA Special
0.65%$500-2.5 Year IRA
0.65%$500-Business 2.5 Year SEP IRA
0.60%$500-2 Year IRA
0.60%$500-Business 2 Year SEP IRA
0.50%$500-1.5 Year IRA
0.50%$500-Business 1.5 Year SEP IRA
0.45%$500-7 Month IRA Special
0.45%$500-Business 7 Month SEP IRA Special
0.40%$500-1 Year IRA
0.40%$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
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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