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Align Credit Union


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

Align Credit Union is headquartered in Lowell and is the 18th largest credit union in the state of Massachusetts. It is also the 483rd largest credit union in the nation. It was established in 1922 and as of December of 2019, it had grown to 122 employees and 27,362 members at 6 locations. Align Credit Union's money market rates are 82% higher than 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 Q4 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #66365
Year Chartered1922
Employees122
Primary Regulator
Profit Margin
Return on Assets - YTD0.3%
Return on Equity - YTD2.55%
Annual Interest Income$23.0MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$641.4MM$571.6MM
LoansQ4 2019vs Q4 2018$415.8MM$398.9MM
DepositsQ4 2019vs Q4 2018$465.6MM$432.0MM
Equity CapitalQ4 2019vs Q4 2018$75.0MM$66.8MM
Loan Loss AllowanceQ4 2019vs Q4 2018$879.00K$806.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$2.5MM$504.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%*$250k*-Business Tiered IRA Savings
OTHER TIERS: 0.25% → $25 - $2.5k | 0.30% → $2.5k - $10k | 0.40% → $10k - $25k | 0.50% → $25k - $50k | 0.60% → $50k - $100k | 0.70% → $100k - $250k
0.80%*$250k*-Tiered IRA Savings
OTHER TIERS: 0.25% → Up to $2.5k | 0.30% → $2.5k - $10k | 0.40% → $10k - $25k | 0.50% → $25k - $50k | 0.60% → $50k - $100k | 0.70% → $100k - $250k
0.45%$25-Variable IRA
0.45%$25-SEP IRA Variable Account
0.25%$25-Business Savings
0.25%$25-Membership Savings
0.25%$25-My Goal Savings
0.10%$25-Holiday Club

Align Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%*$250k*-Tiered Money Manager Account
OTHER TIERS: 0.25% → $25 - $2.5k | 0.30% → $2.5k - $10k | 0.40% → $10k - $25k | 0.50% → $25k - $50k | 0.60% → $50k - $100k | 0.70% → $100k - $250k
0.80%*$250k*-Business Money Market
OTHER TIERS: 0.15% → $25 - $2.5k | 0.30% → $2.5k - $5k | 0.40% → $5k - $10k | 0.50% → $10k - $25k | 0.60% → $25k - $50k | 0.70% → $50k - $250k

Align Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--Benefit Checking
0.25%--Student Checking
0.10%$15-Commercial Checking

Align Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%$500-5 Year CD
1.55%$500-Business 5 Year CD
1.45%$500-4 Year CD
1.45%$500-Business 4 Year CD
1.35%$500-3 Year CD
1.35%$500-Business 3 Year CD
1.15%$500-2.5 Year CD
1.15%$500-Business 2 1/2 Year CD
1.15%$500-21 Month CD Special
1.15%$500-Business 21 Month CD Special
1.05%$500-2 Year CD
1.05%$500-Business 2 Year CD
1.00%$500-1.5 Year CD
1.00%$500-Business 1 1/2 Year CD
1.00%$500-7 Month CD Special
1.00%$500-Business 7 Month CD Special
0.90%$100$2.5k12 Month Starter CD
0.80%$500-1 Year CD
0.80%$500-Business 1 Year CD
0.50%$500-6 Month CD
0.50%$500-Business 6 Month CD
0.30%$500-91 Day CD
0.30%$500-Business 91 Day CD

Align Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%$500-5 Year IRA
1.55%$500-Business 5 Year SEP IRA
1.45%$500-4 Year IRA
1.45%$500-Business 4 Year SEP IRA
1.35%$500-3 Year IRA
1.35%$500-Business 3 Year SEP IRA
1.15%$500-2.5 Year IRA
1.15%$500-Business 2.5 Year SEP IRA
1.15%$500-21 Month IRA Special
1.15%$500-Business 21 Month SEP IRA Special
1.05%$500-2 Year IRA
1.05%$500-Business 2 Year SEP IRA
1.00%$500-1.5 Year IRA
1.00%$500-Business 1.5 Year SEP IRA
1.00%$500-7 Month IRA Special
1.00%$500-Business 7 Month SEP IRA Special
0.80%$500-1 Year IRA
0.80%$500-Business 1 Year SEP IRA
0.50%$500-6 Month IRA
0.50%$500-Business 6 Month SEP IRA
0.30%$500-91 Day IRA
0.30%$500-Business 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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