Align Credit Union

Overview / Commentary
40 Market St
Lowell, MA 01852

Align Credit Union is headquartered in Lowell and is the 23rd largest credit union in the state of Massachusetts. It is also the 578th largest credit union in the nation. It was established in 1922 and as of June of 2023, it had grown to 117 employees and 28,252 members at 9 locations. Align Credit Union's CD rates are 4X the national average, and it has a B 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 45 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 Grade Components

NCUA #66365
Year Chartered1922
Primary Regulator
Profit Margin
Return on Assets - YTD-0.15%
Return on Equity - YTD-2.93%
Annual Interest Income$11.8MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$704.0MM$698.8MM
LoansQ2 2023vs Q2 2022$390.1MM$369.5MM
DepositsQ2 2023vs Q2 2022$595.4MM$630.5MM
Equity CapitalQ2 2023vs Q2 2022$35.2MM$39.7MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$1.5MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$1.4MM$1.4MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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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

1.70%*$250k*-Business Tiered IRA Savings
OTHER TIERS: 0.25% $25 - $2.5k | 0.85% $2.5k - $10k | 1.00% $10k - $25k | 1.15% $25k - $50k | 1.35% $50k - $100k | 1.50% $100k - $250k
1.70%*$250k*-Tiered IRA Savings
OTHER TIERS: 0.25% Up to $2.5k | 0.85% $2.5k - $10k | 1.00% $10k - $25k | 1.15% $25k - $50k | 1.35% $50k - $100k | 1.50% $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
0.25%--18/65 Savings
0.10%$25-Holiday Club

Align Credit Union Money Market Rates

1.70%*$250k*-Tiered Money Manager Account
OTHER TIERS: 0.25% $25 - $2.5k | 0.85% $2.5k - $10k | 1.00% $10k - $25k | 1.15% $25k - $50k | 1.35% $50k - $100k | 1.50% $100k - $250k
1.70%*$250k*-Business Money Market
OTHER TIERS: 0.15% $25 - $2.5k | 0.50% $2.5k - $5k | 0.85% $5k - $10k | 1.00% $10k - $25k | 1.15% $25k - $50k | 1.50% $50k - $250k
1.70%*$250k*-18/65 Money Market
OTHER TIERS: 0.25% Up to $2.5k | 0.85% $2.5k - $10k | 1.00% $10k - $25k | 1.15% $25k - $50k | 1.35% $50k - $100k | 1.50% $100k - $250k

Align Credit Union Checking Account Rates

0.25%--Benefit Checking
0.25%--Student Checking
0.10%$15-Commercial Checking

Align Credit Union CD Rates

5.00%$500-11 Month CD Special
5.00%$500-Business 11 Month CD Special
5.00%$500-Business 5 Month CD Special
5.00%$500-5 Month CD Special
5.00%$500-8 Month CD Special
5.00%$500-Business 8 Month CD Special
3.85%$100$2.5k12 Month Starter CD
3.75%$500-1 Year CD
3.75%$500-Business 1 Year CD
3.50%$500-1.5 Year CD
3.50%$500-Business 1 1/2 Year CD
3.25%$500-6 Month CD
3.25%$500-Business 6 Month CD
3.10%$500-2 Year CD
3.10%$500-Business 2 Year CD
2.85%$500-5 Year CD
2.85%$500-4 Year CD
2.85%$500-3 Year CD
2.85%$500-2.5 Year CD
2.85%$500-Business 2 1/2 Year CD
2.85%$500-Business 3 Year CD
2.85%$500-Business 4 Year CD
2.85%$500-Business 5 Year CD
2.00%$500-91 Day CD
2.00%$500-Business 91 Day CD

Align Credit Union IRA Rates

5.00%$500-11 Month IRA Special
5.00%$500-Business 11 Month IRA Special
5.00%$500-Business 5 Month SEP IRA Special
5.00%$500-5 Month IRA Special
5.00%$500-8 Month IRA Special
5.00%$500-Business 8 Month IRA Special
3.75%$500-1 Year IRA
3.75%$500-Business 1 Year SEP IRA
3.50%$500-1.5 Year IRA
3.50%$500-Business 1.5 Year SEP IRA
3.25%$500-6 Month IRA
3.25%$500-Business 6 Month SEP IRA
3.10%$500-2 Year IRA
3.10%$500-Business 2 Year SEP IRA
2.85%$500-2.5 Year IRA
2.85%$500-3 Year IRA
2.85%$500-4 Year IRA
2.85%$500-5 Year IRA
2.85%$500-Business 2.5 Year SEP IRA
2.85%$500-Business 3 Year SEP IRA
2.85%$500-Business 4 Year SEP IRA
2.85%$500-Business 5 Year SEP IRA
2.00%$500-91 Day IRA
2.00%$500-Business 91 Day SEP IRA

Align Credit Union Locations
Branch Office211G Lowell StWilmington, MA 01887
Branch Office19 Haverhill RdAmesbury, MA 01913
Branch Office70 East StMethuen, MA 01844-4597
Branch Office40 Market StLowell, MA 01852
Branch Office87 Hale StLowell, MA 01851
Branch Office235 Old Connecticut PathFramingham, MA 01701
Branch Office110 Newbury StDanvers, MA 01923
Branch Office20 Cushing AveHaverhill, MA 01830
Branch Office68 Lafayette RdSeabrook, NH 03874

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