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Align Credit Union

Overview / Commentary
40 Market St
Lowell, MA 01852

Align Credit Union is headquartered in Lowell and is the 20th largest credit union in the state of Massachusetts. It is also the 502nd largest credit union in the nation. It was established in 1922 and as of March of 2019, it had grown to 117 employees and 27,640 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

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Health Grade Components

NCUA #66365
Year Chartered1922
Primary Regulator
Profit Margin
Return on Assets - YTD0.33%
Return on Equity - YTD2.75%
Annual Interest Income$5.6MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$596.3MM$571.9MM
LoansQ1 2019vs Q1 2018$397.7MM$382.7MM
DepositsQ1 2019vs Q1 2018$442.4MM$435.3MM
Equity CapitalQ1 2019vs Q1 2018$70.0MM$66.4MM
Loan Loss AllowanceQ1 2019vs Q1 2018$884.00K$713.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$334.00K$330.00K
Real Estate OwnedQ1 2019vs Q1 2018$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%$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

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

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

Align Credit Union CD Rates

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
2.55%$500-22 Month CD Special
2.55%$500-Business 22 Month CD Special
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
2.15%$500-1.5 Year CD
2.15%$500-Business 1 1/2 Year CD
2.10%$100$2.5kYouth 12 Month Starter CD
2.05%$500-2 Year Home Start CD
2.05%$500-7 Month CD Special
2.05%$500-Business 7 Month CD Special
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

3.00%$500-5 Year IRA
3.00%$500-5 Year SEP IRA
2.70%$500-4 Year IRA
2.70%$500-4 Year SEP IRA
2.55%$500-22 Month IRA Special
2.55%$500-22 Month SEP IRA Special
2.50%$500-3 Year IRA
2.50%$500-3 Year SEP IRA
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
2.05%$500-7 Month IRA Special
2.05%$500-7 Month Sep IRA Special
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

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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