2. Align Credit Union

Align Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
2.70%5-year CD
3.10% - American Express National Bank 60 Month CDAdvertisement
1.85%1-year CD
1.30% - National Average
0.25%Savings
2.10% - American Express National Bank High Yield Savings AccountAdvertisement
View all Align Credit Union rates »

Overview / Commentary
www.aligncu.com
978-452-9961
40 Market St
Lowell, MA 01852

Align Credit Union is headquartered in Lowell and is the 21st 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 September of 2018, it had grown to 124 employees and 27,938 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
A

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #66365
Year Chartered1922
Employees124
Primary Regulator
Profit Margin
Return on Assets - YTD0.14%
Return on Equity - YTD1.16%
Annual Interest Income$15.0MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$567.2MM$595.4MM
LoansQ3 2018vs Q3 2017$391.6MM$375.3MM
DepositsQ3 2018vs Q3 2017$437.3MM$439.2MM
Equity CapitalQ3 2018vs Q3 2017$66.3MM$70.0MM
Loan Loss AllowanceQ3 2018vs Q3 2017$849.00K$848.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$1.2MM$1.8MM
Real Estate OwnedQ3 2018vs Q3 2017$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$1-Kids Super Saver
0.75%$1-Teen Super Saver
0.75%$1-Student Super Saver
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%*$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 | 0.90% → $50k - $100k | 1.00% → $100k - $250k
1.15%*$250k*-Business Money Market Account
OTHER TIERS: 0.15% → $25 - $2.5k | 0.55% → $2.5k - $5k | 0.65% → $5k - $10k | 0.75% → $10k - $25k | 0.90% → $25k - $50k | 1.00% → $50k - $250k

Align Credit Union Checking Account Rates

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

Align Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.70%$500-5 Year CD
2.70%$500-Business 5 Year CD
2.45%$500-4 Year CD
2.45%$500-Business 4 Year CD
2.45%*$100k*-21 Month CD Special
OTHER TIERS: 1.95% → $500 - $25k | 2.10% → $25k - $100k
2.45%*$100k*-Business 21 Month CD Special
OTHER TIERS: 1.95% → $500 - $25k | 2.10% → $25k - $100k
2.25%$500-3 Year CD
2.25%$500-Business 3 Year CD
2.10%$500-2 1/2 Year CD
2.10%$500-Business 2 1/2 Year CD
2.10%*$100k*-11 Month CD Special
OTHER TIERS: 1.70% → $500 - $25k | 1.85% → $25k - $100k
2.10%*$25k*$100kBusiness 11 Month CD Special
OTHER TIERS: 1.70% → $100+ | 1.85% → $500 - $25k
2.05%$500-2 Year CD
2.05%$500-Business 2 Year CD
2.00%$500-1 1/2 Year CD
2.00%$500-Business 1 1/2 Year CD
1.95%$100$2.5kStarter CD 1 Year
1.85%$500-1 Year CD
1.85%$500-Business 1 Year CD
1.20%$500-6 Month CD
1.20%$500-Business 6 Month CD
0.90%$500-91 Day CD
0.90%$500-Business 91 Day CD

Align Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.70%$500-5 Year IRA
2.70%$500-5 Year SEP IRA
2.45%$500-4 Year IRA
2.45%$500-4 Year SEP IRA
2.45%*$100k*-21 Month IRA Special
OTHER TIERS: 1.95% → $500 - $25k | 2.10% → $25k - $100k
2.45%*$100k*-21 Month SEP IRA Special
OTHER TIERS: 1.95% → $500 - $25k | 2.10% → $25k - $100k
2.25%$500-3 Year IRA
2.25%$500-3 Year SEP IRA
2.10%$500-2 1/2 Year IRA
2.10%$500-2 1/2 Year SEP IRA
2.10%*$100k*-11 Month IRA Special
OTHER TIERS: 1.70% → $500 - $25k | 1.85% → $25k - $100k
2.10%*$100k*-11 Month SEP IRA Special
OTHER TIERS: 1.70% → $500 - $25k | 1.85% → $25k - $100k
2.05%$500-2 Year IRA
2.05%$500-2 Year SEP IRA
2.00%$500-1 1/2 Year IRA
2.00%$500-1 1/2 Year SEP IRA
1.85%$500-1 Year IRA
1.85%$500-1 Year SEP IRA
1.20%$500-6 Month IRA
1.20%$500-6 Month SEP IRA
0.90%$500-91 Day IRA
0.90%$500-91 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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