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 503rd largest credit union in the nation. It was established in 1922 and as of June of 2018, it had grown to 116 employees and 28,332 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.
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Health Grade Components

NCUA #66365
Year Chartered1922
Primary Regulator
Profit Margin
Return on Assets - YTD0.1%
Return on Equity - YTD0.83%
Annual Interest Income$9.9MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$564.9MM$600.1MM
LoansQ2 2018vs Q2 2017$386.2MM$371.9MM
DepositsQ2 2018vs Q2 2017$439.3MM$440.7MM
Equity CapitalQ2 2018vs Q2 2017$65.7MM$69.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$710.00K$860.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$509.00K$1.1MM
Real Estate OwnedQ2 2018vs Q2 2017$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

0.75%$1-Kids Super Saver
0.75%$1-Teen Super Saver
0.75%$1-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

1.10%*$250k*-Tiered Money Manager Account
OTHER TIERS: 0.25% $25 - $2.5k | 0.45% $2.5k - $10k | 0.55% $10k - $25k | 0.65% $25k - $50k | 0.80% $50k - $100k | 0.90% $100k - $250k
1.10%*$250k*-Business Money Market Account
OTHER TIERS: 0.15% $25 - $2.5k | 0.45% $2.5k - $5k | 0.55% $5k - $10k | 0.65% $10k - $25k | 0.80% $25k - $50k | 0.90% $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

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%*$100k*-11 Month CD Special
OTHER TIERS: 1.50% $500 - $25k | 1.65% $25k - $100k
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

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

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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