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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Align Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
Align Credit Union's IRA CDs 8 month rates are at 3.70%. Align Credit Union's savings rates are at 1.50%. Align Credit Union's money market rates are at 1.00%. Align Credit Union's Adjustable Rate Mortgages rates are at 5.38%, 15 Year Fixed rates are at 5.75%, 30 Year Fixed rates are at 6.00%, 10 Year Fixed rates are at 5.75%, 20 Year Fixed rates are at 6.00%. MonitorBankRates evaluates the financial stability of Align Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.20%. Rates were last updated on 04/19/2026. Align Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Align Credit Union? Share your experience about Align Credit Union by leaving a review below, or read customer reviews before you decide to use Align Credit Union. 
Align Credit Union CD Rates
Align Credit Union Savings Rates
Align Credit Union Money Market Rates
Align Credit Union Mortgage Rates
Align Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Align Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Align Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Align Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Align Credit Union
Website
https://www.aligncu.com
Address
87 Hale St,
Lowell, MA 01851
Phone
800-942-9575
Fax
978-458-7838
President
David Morris
CEO
Lydia Vazquez
Full-Time Employees
95
Part-Time Employees
14
Branch Locations
6
ATM Locations
12
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.20%
Return on Assets (ROA)
-0.6030%
Return on Equity (ROE)
-6.5481%
Non-Performing Loans Ratio (NPL)
1.71%
Total Assets
647,315,253
Total Amount of Shares and Deposits
555,306,778
Total Shares and Deposits < 1 Year
542,850,043
Total Shares and Deposits 1 3 Years
8,313,097
Total Shares and Deposits > 3 Years
4,143,640
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
54,099,213
Total Uninsured Shares and Deposits > $250K (F+J)
54,598,552
Total Insured Shares and Deposits > $250K (item 17 less item K)
500,708,226
Total Interest Expense (Sum of items 6 8)
8,558,874
Share Certificates
3,187
Number of Accounts for Share Drafts
19,604
IRA KEOGH Accounts
1,490
Number of Accounts for Regular Shares
35,345
All other shares
206
Non Member Deposits
5
Money Market Shares
1,322
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,509,409
Total Liabilities
608,785,363
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Align Credit UnionIs Align Credit Union a safe place to deposit money?Yes, Align Credit Union is considered a safe financial institution. With a Texas Ratio of 11.201137926781%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Align Credit Union operate?Align Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Align Credit Union?Yes, to access services at Align Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Align Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Align Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Align Credit Union offer online and mobile banking?Most modern institutions like Align Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.aligncu.com. Current Align Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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