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Align Credit Union

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Align Credit Union Rates & Review November 2026

Q: What are the current interest rates at Align Credit Union?

Current rates for Align Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 4.50%, 24-Month CD: 3.10%, 60-Month CD: 2.85%, Savings: 1.70%, MMA: 1.70%

Q: What CD terms does Align Credit Union offer?

Align Credit Union CD rates are 3.75% APY for a 6 month CD, 4.25% APY for a 12 month CD, 4.50% APY for an 18 month CD, 3.10% APY for a 2 year CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Align Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Align Credit Union's 1.5 Years 1.5 Year CD rates are at 4.50%, 1.5 Year CD rates are at 4.50%, 12 month 1 Year CD rates are at 4.25%, 6 Month CD rates are at 3.75%, 12 Month Starter CD rates are at 3.50%. Align Credit Union's savings rates are at 1.70%. Align Credit Union's money market rates are at 1.70%. Align Credit Union's checking rates are as high as 0.10%. Align Credit Union's 7/1 Adjustable Rate Mortgage rates are at 6.00%, 5/1 Adjustable Rate Mortgage rates are at 5.88%, 3/1 Adjustable Rate Mortgage rates are at 5.62%, Fixed Mortgage - 30 Year Fixed rates are at 6.88%, Fixed Mortgage - 15 Year Fixed rates are at 6.75%. Align Credit Union's Personal Loan Rates are as low as 9.24%. Align Credit Union's Credit Card Rates are at 11.75%. Align Credit Union's CD rates are 28% higher than the MonitorBankRates national average, and it has an A health rating. 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 10.06%. Rates last updated and verified on 10/29/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.06%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Align Credit Union
Corporate Office

87 Hale St
Lowell, MA 01851

https://www.aligncu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Align Credit Union CD Rates

Product	Rate	APY	Term
1.5 Years 1.5 Year CD	4.40%	4.50%	1.5 Years
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
1.5 Year CD	-	4.50%	1.5 Year
Min Balance $500 Details Featured rate; APY as high as; Minimum daily balance of $500 required to obtain APY; APY effective as of 10/16/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10% Oct 19, 20264.50%▲ from 4.10%* Sep 18, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
1.5 Years 1.5 Year IRA CD	4.40%	4.50%	1.5 Years
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
1.5 Year IRA CD	-	4.50%	1.5 Year
Min Deposit $500 Details Featured Rate; Available for both Traditional and Roth IRAs Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10% Oct 26, 20264.50%▲ from 4.10% Oct 13, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
1.5 Years SEP IRA 1.5 Year IRA CD	4.40%	4.50%	1.5 Years
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificates; Dividend Rate 4.40%; APY 4.50%; Minimum to Earn APY $500 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
12 month 1 Year CD	4.16%	4.25%	12 Months
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 19, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
12 month 1 Year IRA CD	4.16%	4.25%	12 Months
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 19, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
1 Year IRA CD	-	4.25%	1 Year
Min Deposit $500 Details Featured Rate; Available for both Traditional and Roth IRAs Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 26, 20264.25%▲ from 4.05% Oct 13, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
12 month SEP IRA Certificates - 1 Year IRA CD	4.16%	4.25%	12 Months
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificate; Certificates of Deposit rates are guaranteed for the length of the term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
6 Month CD	3.68%	3.75%	6 Months
Min Deposit $500 Min Balance $500 Details Business Certificates of Deposit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
6 Month CD	-	3.75%	6 Month
Min Balance $500 Details Featured rate; APY as high as*; Minimum daily balance of $500 required to obtain APY; APY effective as of 10/16/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
6 Month IRA CD	3.68%	3.75%	6 Months
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
6 Month IRA CD	-	3.75%	6 Month
Min Deposit $500 Details Featured Rate; Available for both Traditional and Roth IRAs Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
12 Month Starter CD	3.44%	3.50%	12 Months
Min Deposit $100 Min Balance $100 Details Available to members 5-17 years old; 2 additional deposits with a minimum of $100 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
2 Year CD	3.05%	3.10%	2 years
Min Deposit $500 Min Balance $500 Details Available to open online Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
2 Year IRA CD	3.05%	3.10%	2 Years
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
2.5 Years 2.5 Year CD	2.81%	2.85%	2.5 Years
Min Deposit $500 Min Balance $500 Details Business Certificates of Deposit Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
2.5 Years 2.5 Year IRA CD	2.81%	2.85%	2.5 Years
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
3 Year CD	2.81%	2.85%	3 Years
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
3 Year IRA CD	2.81%	2.85%	3 Years
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
4 Year CD	2.81%	2.85%	4 Years
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
4 Year IRA CD	2.81%	2.85%	4 Years
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
5 Year CD	2.81%	2.85%	5 Years
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
5 Year IRA CD	2.81%	2.85%	5 Years
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
SEP IRA 3 Year IRA CD	2.81%	2.85%	3 Years
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
SEP IRA 4 Year CD	2.81%	2.85%	4 Years
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
91 Day CD	1.98%	2.00%	91 Days
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
91 Day IRA CD	1.98%	2.00%	91 Days
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
SEP IRA 91 Day IRA CD	1.98%	2.00%	91 Days
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificate; APY = Annual Percentage Yield; penalty may apply for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Business CD Rates

Product	Rate	APY	Term
18 month Business 1.5 Year CD	4.40%	4.50%	18 months
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10% Oct 26, 20264.50%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
12 month Business 1 Year CD	4.16%	4.25%	12 months
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 26, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business 6 Month CD	3.68%	3.75%	6 months
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business 2 Year CD	3.05%	3.10%	2 years
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business 2.5 Year CD	2.81%	2.85%	2.5 years
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business 3 Year CD	2.81%	2.85%	3 Years
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business 4 Year CD	2.81%	2.85%	4 Years
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business 5 Year CD	2.81%	2.85%	5 years
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business 91 Day CD	1.98%	2.00%	91 Days
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Savings Rates

Product	Rate	APY
Tiered IRA Savings	1.69%	1.70%
Min Balance $250,000 Details Balance: $250,000 and above; Minimum Balance to Earn APY: $250,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Tiered IRA Savings	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000-$249,999.99; Minimum Balance to Earn APY: $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Tiered IRA Savings	1.34%	1.35%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Rates effective 10/13/2026; Rates are variable and may change after the account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Tiered IRA Savings	1.14%	1.15%
Min Balance $25,000 Details Balance: $25,000-$49,999.99; Minimum Balance to Earn APY: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Tiered IRA Savings	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000-$24,999.99; Minimum Balance to Earn APY: $10,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Tiered IRA Savings	0.85%	0.85%
Min Balance $2,500 Details Balance: $2,500-$9,999.99; Minimum Balance to Earn APY: $2,500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
18/65 Savings	-	0.25%
Min Deposit $5 Min Balance $5 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Membership Savings	-	0.25%
Min Deposit $5 Min Balance $5 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
MyGoal Savings	0.25%	0.25%
Min Deposit $1 Min Balance $25 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Tiered IRA Savings	0.25%	0.25%
Min Balance $25 Details Balance: $0.01-$2,499.99; Minimum Balance to Earn APY: $25 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Holiday Club	-	0.10%
Min Deposit $1 Min Balance $25 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.25%	0.25%
Min Deposit $25 Min Balance $25 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.69%	1.70%
Min Balance $250,000 Details Balance: $250,000 and above Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
18/65 Money Market Account	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Money Market Account	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Money Market Account	1.34%	1.35%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Money Market Account	1.14%	1.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Money Market Account	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Money Market Account	0.85%	0.85%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Money Market Account	0.25%	0.25%
Min Balance $25 Details Balance: $0.01-$2,499.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Account	1.69%	1.70%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 and above; Minimum Balance to Earn APY: $250,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Money Market Account	1.49%	1.50%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $249,999.99; Minimum Balance to Earn APY: $50,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Money Market Account	1.14%	1.15%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; Minimum Balance to Earn APY: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Money Market Account	1.00%	1.00%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Minimum Balance to Earn APY: $10,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Money Market Account	0.85%	0.85%
Min Deposit $2,500 Min Balance $5,000 Details Balance: $5,000 - $9,999.99; Minimum Balance to Earn APY: $5,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Money Market Account	0.50%	0.50%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $4,999.99; Minimum Balance to Earn APY: $2,500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Money Market Account	0.15%	0.15%
Min Deposit $2,500 Min Balance $25 Details Balance: $0.01-$2,499.99; Minimum Balance to Earn APY: $25 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Checking Rates

Product	Rate	APY
Benefit Checking	-	0.10%
Min Deposit $1 Min Balance $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Student Checking	-	0.10%
Min Deposit $0 Min Balance $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Business Checking Rates

Product	Rate	APY	View More
Commercial Checking	0.10%	0.10%
Min Deposit $100 Min Balance $15 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
7/1 Adjustable Rate Mortgage	6.00%	0%	6.718%	360 months
Details Rate Caps: 2%/2%/5%; Fully Indexed Rate: 6.980% Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 6.47% → 6.72% ▲ 0.25 pts · high 6.72% / low 6.47% Oct 1, 20266.72%▲ from 6.66% Sep 24, 20266.66%▲ from 6.60% Sep 22, 20266.60%▲ from 6.47% Sep 18, 20266.47%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
5/1 Adjustable Rate Mortgage	5.875%	0%	6.787%	360 months
Details Rate Caps: 2%/2%/5%; Fully Indexed Rate: 6.980% Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 6.49% → 6.79% ▲ 0.30 pts · high 6.79% / low 6.49% Oct 1, 20266.79%▲ from 6.71% Sep 24, 20266.71%▲ from 6.59% Sep 22, 20266.59%▲ from 6.49% Sep 18, 20266.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
3/1 Adjustable Rate Mortgage	5.625%	0%	6.881%	360 months
Details Rate Caps: 2%/2%/5%; Fully Indexed Rate: 6.980% Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 6.60% → 6.88% ▲ 0.28 pts · high 6.88% / low 6.60% Oct 1, 20266.88%▲ from 6.79% Sep 24, 20266.79%▲ from 6.66% Sep 22, 20266.66%▲ from 6.60% Sep 18, 20266.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Fixed Mortgage - 30 Year Fixed	6.875%	0	7.129%	30 years
Details Rates assume 60% LTV, purchase of a single family residence, and FICO over 740; Align members must maintain a $5 deposit relationship Last Updated 10/29/2026 Rate History 3 changes since Sep 24, 2026 · 7.38% → 7.13% ▼ 0.26 pts · high 7.64% / low 7.13% Oct 26, 20267.13%▼ from 7.26% Oct 9, 20267.26%▼ from 7.64% Oct 1, 20267.64%▲ from 7.38% Sep 24, 20267.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Fixed Mortgage - 15 Year Fixed	6.75%	0	7.16%	15 years
Details Rates assume 60% LTV, purchase of a single family residence, and FICO over 740; Align members must maintain a $5 deposit relationship Last Updated 10/29/2026 Rate History No change since Sep 24, 2026 · 7.16% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Fixed Mortgage - 20 Year Fixed	6.875%	0	7.206%	20 years
Details Rates assume 60% LTV, purchase of a single family residence, and FICO over 740; Align members must maintain a $5 deposit relationship Last Updated 10/29/2026 Rate History 4 changes since Sep 24, 2026 · 7.33% → 7.21% ▼ 0.13 pts · high 7.59% / low 7.21% Oct 19, 20267.21%▼ from 7.33% Oct 9, 20267.33%▼ from 7.46% Oct 2, 20267.46%▼ from 7.59% Oct 1, 20267.59%▲ from 7.33% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Fixed Mortgage - 10 Year Fixed	6.75%	0	7.326%	10 years
Details Rates assume 60% LTV, purchase of a single family residence, and FICO over 740; Align members must maintain a $5 deposit relationship Last Updated 10/29/2026 Rate History No change since Sep 24, 2026 · 7.33% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	6.00%
Details As Low As; Intro rate fixed for 12 months; After Introductory Rate: Prime - 1.00% adjusting monthly; Current Rate without Introductory Offer: 6.000% APR; Floor rate 5.00%; Maximum APR 18%; Draw period 10 years with 10 additional years to repay Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75% Oct 9, 20266.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Home Equity Loan - Fixed 5 Year	7.00%	-	7.477%	60 months
Details Monthly Cost per $1000 (excluding tax & insurance): $19.80; Must be a junior lien position; Loan amount min $10,000, max $400,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.71% → 7.48% ▲ 0.77 pts · high 7.48% / low 6.71% Sep 24, 20267.48%▲ from 6.71% Sep 18, 20266.71%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Home Equity Loan - Fixed 10 Year	7.25%	-	7.509%	120 months
Details Monthly Cost per $1000 (excluding tax & insurance): $11.74; Must be a junior lien position; Loan amount min $10,000, max $400,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.00% → 7.51% ▲ 0.51 pts · high 7.51% / low 7.00% Sep 24, 20267.51%▲ from 7.00% Sep 18, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Home Equity Loan - Fixed 15 Year	7.50%	-	7.689%	180 months
Details Monthly Cost per $1000 (excluding tax & insurance): $9.27; Must be a junior lien position; Loan amount min $10,000, max $400,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.18% → 7.69% ▲ 0.51 pts · high 7.69% / low 7.18% Sep 24, 20267.69%▲ from 7.18% Sep 18, 20267.18%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Home Equity Loan - Fixed 20 Year	7.75%	-	7.905%	240 months
Details Monthly Cost per $1000 (excluding tax & insurance): $8.21; Must be a junior lien position; Loan amount min $10,000, max $400,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.40% → 7.91% ▲ 0.50 pts · high 7.91% / low 7.40% Sep 24, 20267.91%▲ from 7.40% Sep 18, 20267.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - 36 months	-	-	4.99%	36 months
Details As Low As; Rate posted for 740+ FICO credit score; Monthly payment per $1,000: $29.97; Vehicle types: New/Used Auto (Model Years 2024-2026) and Used Auto (Model Years < 2024); Maximum age of vehicle is 10 years old; Credit union membership is required Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Auto Loan - 48 months	-	-	4.99%	48 months
Details As Low As; Rate posted for 740+ FICO credit score; Vehicle types on page: New/Used Auto (Model Years 2024-2026) and Used Auto (Model Years < 2024); Maximum age of vehicle is 10 years old Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Auto Loan - New/Used Auto (Model Years 2024-2026)	-	-	4.99%	36 months
Details As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Auto Loan - New/Used Auto (Model Years 2024-2026)	-	-	4.99%	48 months
Details As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Auto Loan - New/Used Auto (Model Years 2024-2026)	-	-	4.99%	60 months
Details As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Auto Loan - Used Auto (Model Years < 2024)	-	-	4.99%	36 months
Details As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Auto Loan - Used Auto (Model Years < 2024)	-	-	4.99%	48 months
Details As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Auto Loan - Used Auto (Model Years < 2024)	-	-	4.99%	60 months
Details As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Auto Loan - New/Used Auto (Model Years 2024-2026)	-	-	5.49%	72 months
Details As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Auto Loan - Used Auto (Model Years 2021-2023)	-	-	5.49%	72 months
Details As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Auto Loans	-	-	5.49%	72 months
Details As Low As; Applies to New/Used Auto (Model Years 2024-2026) or Used Auto (Model Years 2021-2023); Rate posted for 740+ FICO credit score; APR may vary based on personal credit history; Maximum age of vehicle is 10 years old Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Auto Loan - New/Used Auto (Model Years 2022-2026)	-	-	6.99%	84 months
Details As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans - New Motorcycle 2025-2026	-	6.50%	66 months
Details As Low As; Motorcycle Year: New Motorcycle 2025-2026; APR may vary based on personal credit history Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Motorcycle Loans - Used Motorcycle 2021-2026	-	6.50%	66 months
Details As Low As; Motorcycle Year: Used Motorcycle 2021-2026; APR may vary based on personal credit history Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
New RV (Model Years 2024-2026) - 5 Years Loan	-	8.25%	5 Years
Details As Low As; Maximum amount is 100% of NADA Book Value or Sticker Price; Monthly Payment (per $1,000): $20.40 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Recreational Vehicle Loans - New RV (Model Years 2024-2026)	-	8.25%	5 Years
Details As Low As; Model Years 2024-2026; Maximum amount is 100% of NADA Book Value or Sticker Price; Rate may vary depending on each individual's credit experience Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Recreational Vehicle Loans - Used RV (Model Years < 2024)	-	8.50%	5 Years
Details As Low As; Model Years < 2024; Maximum amount is 100% of NADA Book Value Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Used RV (Model Years < 2024) - 5 Years Loan	-	8.50%	5 Years
Details As Low As; Monthly Payment (per $1,000): $20.52 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
New RV (Model Years 2024-2026) - 10 Years Loan	-	9.25%	10 Years
Details As Low As; Maximum amount is 100% of NADA Book Value or Sticker Price; Monthly Payment (per $1,000): $12.81 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Recreational Vehicle Loans - New RV (Model Years 2024-2026)	-	9.25%	10 Years
Details As Low As; Model Years 2024-2026; Maximum amount is 100% of NADA Book Value or Sticker Price; Monthly Payment (per $1,000): $12.81 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Used RV (Model Years < 2024) - 10 Years Loan	-	9.50%	10 Years
Details As Low As; Maximum amount is 100% of NADA Book Value; Monthly Payment (per $1,000): $12.94 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Used RV (Model Years < 2024) Loan	-	9.50%	10 Years
Details As Low As; Model Years < 2024; Maximum amount is 100% of NADA Book Value; Monthly Payment (per $1,000) $12.94 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum Credit Card	-	11.75%
Details As Low As; APR range 11.75% to 16.75%; Maximum Amount $20,000; Variable APR based on credit worthiness; Rates as low as 11.75%; APR effective 10/13/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.24%
Details As Low As; Featured Rates homepage card Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 9.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Variable IRA	0.25%	-	0.25%
Min Deposit $25 Min Balance $25 Details SEP (Simplified Employee Pension) IRA; variable rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Align Credit Union’s Texas Ratio rose from 2.13% in Q3 2023 to 10.06% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$651M	10.06%	5.0	A
March 31, 2026	$642M	11.01%	5.0	A
December 31, 2025	$647M	12.32%	5.0	A
September 30, 2025	$647M	10.60%	5.0	A
June 30, 2025	$652M	4.60%	5.0	A+
March 31, 2025	$658M	3.49%	5.0	A+
December 31, 2024	$668M	5.29%	5.0	A+
September 30, 2024	$679M	3.82%	5.0	A+
June 30, 2024	$682M	4.33%	5.0	A+
March 31, 2024	$696M	3.68%	5.0	A+
December 31, 2023	$707M	3.92%	5.0	A+
September 30, 2023	$694M	2.13%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 94

Part-Time Employees 17

Branch Locations 6

ATM Locations 8

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.06%

Return on Assets (ROA)

-0.2262%

Return on Equity (ROE)

-2.6084%

Non-Performing Loans Ratio (NPL)

1.46%

Total Assets

650,940,741

Total Amount of Shares and Deposits

556,781,208

Total Shares and Deposits < 1 Year

545,531,330

Total Shares and Deposits 1 3 Years

7,574,358

Total Shares and Deposits > 3 Years

3,675,520

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

55,787,650

Total Uninsured Shares and Deposits > $250K (F+J)

55,822,148

Total Insured Shares and Deposits > $250K (item 17 less item K)

500,959,060

Total Interest Expense (Sum of items 6 8)

4,809,949

Share Certificates

2,762

Number of Accounts for Share Drafts

19,489

IRA KEOGH Accounts

1,592

Number of Accounts for Regular Shares

34,704

All other shares

Non Member Deposits

Money Market Shares

1,307

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

12,282,544

Total Liabilities

614,631,089

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Align Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Align Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Align Credit Union

Frequently Asked Questions About Align Credit Union

Does Align Credit Union offer CDs?

Yes. Align Credit Union current CD rates include its 1.5 Years 1.5 Year CD at 4.50% APY, its 1.5 Year CD at 4.50% APY and its 12 month 1 Year CD at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Align Credit Union NCUA insured?

Yes. Align Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Align Credit Union?

The highest Align Credit Union CD rate is its 1.5 Years 1.5 Year CD at 4.50% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Align Credit Union offer?

Align Credit Union CD rates are 3.75% APY for a 6 month CD, 4.25% APY for a 12 month CD, 4.50% APY for an 18 month CD, 3.10% APY for a 2 year CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Align Credit Union for its full lineup.

What is the highest savings rate at Align Credit Union?

The highest Align Credit Union savings rate is its Tiered IRA Savings at 1.70% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Align Credit Union?

The highest Align Credit Union money market rate is its Business Money Market Account at 1.70% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Align Credit Union?

The highest Align Credit Union checking rate is its Benefit Checking at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Align Credit Union?

The lowest Align Credit Union 30 year fixed mortgage rate is its Fixed Mortgage - 30 Year Fixed at 6.875%, verified by MonitorBankRates as of October 29, 2026. Align Credit Union mortgage rates are 6.875% for a 30 year mortgage, 6.875% for a 20 year mortgage, 6.75% for a 15 year mortgage and 6.75% for a 10 year mortgage.

What is the lowest auto loan rate at Align Credit Union?

The lowest Align Credit Union auto loan rate is its Auto Loan - 36 months at 4.99% APR, verified by MonitorBankRates as of October 29, 2026. Align Credit Union auto loan rates are 4.99% APR for a 36 month auto loan and 4.99% APR for a 48 month auto loan.

What is the lowest personal loan rate at Align Credit Union?

The lowest Align Credit Union personal loan rate is its Personal Loan at 9.24% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Align Credit Union?

The lowest Align Credit Union credit card APR is its Platinum Credit Card at 11.75% APR, verified by MonitorBankRates as of October 29, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Align Credit Union rates compare?

Align Credit Union's CD rates are 28% higher than the MonitorBankRates national average, and it has an A health rating. Align Credit Union's top rates are its 1.5 Years 1.5 Year CD at 4.50% APY, its Tiered IRA Savings at 1.70% APY, its Business Money Market Account at 1.70% APY, its Benefit Checking at 0.10% APY, its 3/1 Adjustable Rate Mortgage at 5.625%, its Personal Loan at 9.24% APR and its Platinum Credit Card at 11.75% APR, verified by MonitorBankRates on October 29, 2026.

Current Align Credit Union Rates

12-Month CD3.50%
18-Month CD4.50%
24-Month CD3.10%
60-Month CD2.85%
Savings1.70%
MMA1.70%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Align Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Align Credit Union Texas Ratio

Align Credit Union Health Trend

Align Credit Union CD Rates

Align Credit Union Business CD Rates

Align Credit Union Savings Rates

Align Credit Union Business Savings Rates

Align Credit Union Money Market Rates

Align Credit Union Business Money Market Rates

Align Credit Union Checking Rates

Align Credit Union Business Checking Rates

Align Credit Union Mortgage Rates

Align Credit Union Home Equity & HELOC

Align Credit Union Auto Loan Rates

Align Credit Union RV, Boat and Powersport Loan Rates

Align Credit Union Credit Card Rates

Align Credit Union Personal Loan Rates

Align Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Align Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Align Credit Union

Does Align Credit Union offer CDs?

Are CDs from Align Credit Union NCUA insured?

What is the highest CD rate at Align Credit Union?

What CD terms does Align Credit Union offer?

What is the highest savings rate at Align Credit Union?

What is the highest money market rate at Align Credit Union?

What is the highest checking rate at Align Credit Union?

What is the lowest 30 year fixed mortgage rate at Align Credit Union?

What is the lowest auto loan rate at Align Credit Union?

What is the lowest personal loan rate at Align Credit Union?

What is the lowest credit card APR at Align Credit Union?

How many branches does Align Credit Union operate?

Is a member application needed to join Align Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Align Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Align Credit Union rates compare?

Current Align Credit Union Rates

Compare to Other Credit Unions