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 Align Credit Union Rates & Review September 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.
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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 and Verified: September 22, 2026
Align Credit Union's 1.5 Years 1.5 Year Business SEP IRA CDs rates are at 4.10%, 1.5 Years 1.5 Year CD rates are at 4.10%, 1.5 Year CD rates are at 4.10%, 1.5 Years 1.5 Year IRA CD rates are at 4.10%, 18 Month Business CDs of Deposit rates are at 4.10%. Align Credit Union's savings rates are at 0.25%. Align Credit Union's money market rates are at 0.15%. Align Credit Union's 5/1 Adjustable Rate Mortgage rates are at 5.75%, 7/1 Adjustable Rate Mortgage rates are at 6.00%, Fixed Mortgage Rates - 15 Year Fixed rates are at 6.25%, 3/1 Adjustable Rate Mortgage rates are at 5.50%, Fixed Mortgage Rates - 10 Year Fixed rates are at 6.25%. Align Credit Union's Personal Loan Rates are as low as 8.75%. Align Credit Union's Credit Card Rates are at 11.75%. 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 11.01%. Rates last updated and verified on 09/22/2026. 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 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 HistoryAlign Credit Union’s Texas Ratio rose from 1.74% in Q2 2023 to 11.01% in Q1 2026, so its financial health has weakened 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
100
Part-Time Employees
14
Branch Locations
6
ATM Locations
8
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
11.01%
Return on Assets (ROA)
-0.1357%
Return on Equity (ROE)
-1.5270%
Non-Performing Loans Ratio (NPL)
1.64%
Total Assets
642,086,471
Total Amount of Shares and Deposits
564,802,703
Total Shares and Deposits < 1 Year
553,366,255
Total Shares and Deposits 1 3 Years
9,583,156
Total Shares and Deposits > 3 Years
1,853,292
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
55,641,597
Total Uninsured Shares and Deposits > $250K (F+J)
56,171,585
Total Insured Shares and Deposits > $250K (item 17 less item K)
508,631,118
Total Interest Expense (Sum of items 6 8)
2,421,537
Share Certificates
3,047
Number of Accounts for Share Drafts
19,204
IRA KEOGH Accounts
1,427
Number of Accounts for Regular Shares
34,403
All other shares
203
Non Member Deposits
7
Money Market Shares
1,286
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)
2,998,522
Total Liabilities
605,026,702
Source: NCUA — Last Updated 03/31/2026
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.
Add Your Rating and Review for Align Credit Union
Frequently Asked Questions About Align Credit UnionHow 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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