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Align Credit Union


Overview / Commentary
www.aligncu.com
800-942-9575
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 572nd largest credit union in the nation. It was established in 1922 and as of September of 2022, it had grown to 117 employees and 28,568 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 more than 40 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
B+

Data as of Q3 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #66365
Year Chartered1922
Employees117
Primary Regulator
Profit Margin
Return on Assets - YTD0.07%
Return on Equity - YTD1.3%
Annual Interest Income$15.1MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$697.7MM$739.8MM
LoansQ3 2022vs Q3 2021$377.6MM$352.1MM
DepositsQ3 2022vs Q3 2021$614.0MM$611.2MM
Equity CapitalQ3 2022vs Q3 2021$36.0MM$79.8MM
Loan Loss AllowanceQ3 2022vs Q3 2021$1.6MM$1.3MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$1.4MM$1.7MM
Real Estate OwnedQ3 2022vs Q3 2021$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
1.35%*$250k*-Business Tiered IRA Savings
OTHER TIERS: 0.25% → $25 - $2.5k | 0.60% → $2.5k - $10k | 0.75% → $10k - $25k | 0.90% → $25k - $50k | 1.05% → $50k - $100k | 1.20% → $100k - $250k
1.35%*$250k*-Tiered IRA Savings
OTHER TIERS: 0.25% → Up to $2.5k | 0.60% → $2.5k - $10k | 0.75% → $10k - $25k | 0.90% → $25k - $50k | 1.05% → $50k - $100k | 1.20% → $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.35%*$250k*-Tiered Money Manager Account
OTHER TIERS: 0.25% → $25 - $2.5k | 0.60% → $2.5k - $10k | 0.75% → $10k - $25k | 0.90% → $25k - $50k | 1.05% → $50k - $100k | 1.20% → $100k - $250k
1.35%*$250k*-Business Money Market
OTHER TIERS: 0.15% → $25 - $2.5k | 0.50% → $2.5k - $5k | 0.60% → $5k - $10k | 0.75% → $10k - $25k | 0.90% → $25k - $50k | 1.20% → $50k - $250k
1.35%*$250k*-18/65 Money Market
OTHER TIERS: 0.25% → Up to $2.5k | 0.60% → $2.5k - $10k | 0.75% → $10k - $25k | 0.90% → $25k - $50k | 1.05% → $50k - $100k | 1.20% → $100k - $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
4.25%$500-7 Month CD Special
4.25%$500-Business 7 Month CD Special
3.85%$100$2.5k12 Month Starter CD
3.75%$500-1 Year CD
3.75%$500-Business 1 Year CD
3.75%$500-21 Month CD Special
3.75%$500-Business 21 Month CD Special
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-7 Month IRA Special
4.25%$500-Business 7 Month SEP IRA Special
3.75%$500-1 Year IRA
3.75%$500-Business 1 Year SEP IRA
3.75%$500-21 Month IRA Special
3.75%$500-Business 21 Month SEP IRA Special
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
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 Office211G Lowell StWilmington, MA 01887
Branch Office19 Haverhill RdAmesbury, MA 01913
Branch Office70 East StMethuen, MA 01844-4597
Branch Office68 Lafayette RdSeabrook, NH 03874

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