Align Credit Union

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CURRENT TOP RATE

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.30%	5-year CD	5 Year CD 3.00% - American Express National Bank 60 Month CD
1.25%	1-year CD	1 Year CD 2.45% - Synchrony Bank 12 Month CD
0.25%	Savings	My Goal Savings 1.80% - American Express National Bank High Yield Savings Account

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 20^th largest credit union in the state of Massachusetts. It is also the 503^rd 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.
See current membership details

Related Posts

View all posts from:

2011
2010
2006

6/22 - Add-On CD & Savings Account Promo at NMTW Community Credit Union in MA & NH - Local Only

7/16 - Top Add-On CD Rate & $100 Savings Account Promo at NMTW Community Credit Union in MA & NH - Local Only

10/18 - 5.97% 21-Month CD at a Massachusetts CU (NMTW)

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Health

A

Data as of Q2 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	66365
Year Chartered	1922
Employees	116
Primary Regulator

Profit Margin
Return on Assets - YTD	0.1%
Return on Equity - YTD	0.83%
Annual Interest Income	$9.9MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$564.9MM$600.1MM
Loans	Q2 2018vs Q2 2017	$386.2MM$371.9MM
Deposits	Q2 2018vs Q2 2017	$439.3MM$440.7MM
Equity Capital	Q2 2018vs Q2 2017	$65.7MM$69.6MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$710.00K$860.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$509.00K$1.1MM
Real Estate Owned	Q2 2018vs Q2 2017	$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
0.75%	$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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

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

Align Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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^*	$100k	Business 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	$2.5k	Starter 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

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	19 Haverhill Road	Amesbury, MA 01913

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