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 18^th largest credit union in the state of Massachusetts. It is also the 523^rd 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.
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Related Posts

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2011
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Health

A

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #	66365
Year Chartered	1922
Employees	121
Primary Regulator

Profit Margin
Return on Assets - YTD	0.06%
Return on Equity - YTD	0.55%
Annual Interest Income	$19.5MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$748.5MM$693.5MM
Loans	Q4 2021vs Q4 2020	$346.3MM$395.9MM
Deposits	Q4 2021vs Q4 2020	$624.6MM$562.9MM
Equity Capital	Q4 2021vs Q4 2020	$74.6MM$81.9MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$1.5MM$1.4MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$1.5MM$4.6MM
Real Estate Owned	Q4 2021vs Q4 2020	$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%^*	$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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	-	-	Benefit Checking
0.25%	-	-	Student Checking
0.10%	$15	-	Commercial Checking

Align Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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	$2.5k	12 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

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	211G Lowell St	Wilmington, MA 01887
Branch Office	19 Haverhill Rd	Amesbury, MA 01913
Branch Office	70 East St	Methuen, MA 01844-4597
Branch Office	68 Lafayette Rd	Seabrook, NH 03874

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