Align Credit Union

Lowell, Massachusetts
Last verified: August 4, 2026
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Verified rate book

Current Align Credit Union rates

83 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

9 offers
Align Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.375% APR6.375%—Standard
30-Year Fixed30 year fixed6.746% APR6.746%—Standard
15-Year Fixed15 year fixed5.875% APR5.875%—Standard
Year 1-3 $56.00 Year 4 $53.80-$68.10 Year 5 $53.80-$80.90 Year 6-30 $53.80-$87.505 1 arm5.375% APR5.375%—Standard
Year 1-5 $56.78 Year 6 $54.10-$68.30 Year 7 $54.10-$80.50 Year 8- 30 $54.10-$86.705 1 arm5.500% APR5.500%—Standard
10-Year Fixed10 year fixed5.875% APR5.875%—Standard
20-Year Fixed20 year fixed6.000% APR6.000%—Standard
Years 1-7 $57.57 Years 8 $54.30-$68.50 Years 9 $54.30-$79.90 Years 10-30 $54.30-$85.70other5.625% APR5.625%—Standard
Jumbo 30other6.500% APR6.500%—Standard

Auto & vehicle rates

18 offers
Align Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loanauto4.050% APR4.050%—Standard
36-Month Auto Loan (2016–2026)auto_any_36mo4.740% APR4.740%36 moStandard
36-Month Used Auto Loan (2024)auto_used_36mo4.990% APR4.990%36 mo · usedStandard
60-Month Auto Loanauto_any_60mo4.990% APR4.990%60 moStandard
36-Month Auto Loanauto_any_36mo4.990% APR4.990%36 moStandard
New/Used Auto (Model Years 2024-2026)auto_any_36mo4.990% APR4.990%36 mo · anyStandard
72-Month Auto Loan (2016–2026)auto_any_72mo5.240% APR5.240%72 moStandard
72-Month Used Auto Loan (2021–2023)auto_used_72mo5.490% APR5.490%72 mo · usedStandard
New/Used Auto (Model Years 2024-2026)auto_any_72mo5.490% APR5.490%72 mo · anyStandard
66-Month Motorcycle Loanmotorcycle_any_66mo6.500% APR6.500%66 moStandard
66-Month New Motorcycle Loan (2025–2026)motorcycle_new_66mo6.500% APR6.500%66 mo · newStandard
66-Month Used Motorcycle Loan (2021–2026)motorcycle_used_66mo6.500% APR6.500%66 mo · usedStandard
84-Month Auto Loan (2016–2026)auto_any_84mo6.740% APR6.740%84 moStandard
New/Used Auto (Model Years 2022-2026)auto_any_84mo6.990% APR6.990%84 mo · anyStandard
60-Month New RV Loan (2024–2026)rv_new_60mo8.250% APR8.250%60 mo · newStandard
60-Month Used RV Loan (2024)rv_used_60mo8.500% APR8.500%60 mo · usedStandard
120-Month New RV Loan (2024–2026)rv_new_120mo9.250% APR9.250%120 mo · newStandard
120-Month Used RV Loan (2024)rv_used_120mo9.500% APR9.500%120 mo · usedStandard

HELOC rates

6 offers
Align Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (Variable)heloc_variable5.240% APR5.240%—Standard
HELOC (Variable)heloc_variable5.750% APR5.240%—Standard
5-Year Home Equity Loan (Fixed)heloc_fixed6.000% APR6.000%—Standard
10-Year Home Equity Loan (Fixed)heloc_fixed6.500% APR6.500%—Standard
15-Year Home Equity Loan (Fixed)heloc_fixed6.750% APR6.750%—Standard
20-Year Home Equity Loan (Fixed)heloc_fixed7.000% APR7.000%—Standard

Personal loan rates

3 offers
Align Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Unsecured Personal Loanpersonal_unsecured8.750% APR8.750%—Standard
Personal Loan 1personal_unsecured_36mo8.750% APR8.750%36 moStandard
Personal Loan 1personal_unsecured_54mo9.750% APR9.750%54 moStandard

Savings & CD rates

47 offers
Align Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Benefit Checkingsavings0.10% APY0.10%—Standard
18/65 Money Market Account ($0.01-$2,499.99)money_market0.25% APY0.25%—Standard
Variable IRA Savingsira0.25% APY0.25%—Standard
$0.01-$2,499.99savings0.25% APY0.25%—Standard
Tiered IRA Savings ($0.01-$2,499.99)ira0.25% APY0.25%—Standard
Membership Savingssavings0.25% APY0.25%—Standard
18/65 Money Market Account ($2,500-$9,999.99)money_market0.85% APY0.85%—Standard
$2,500 - $9,999.99savings0.85% APY0.85%—Standard
Tiered IRA Savings ($2,500-$9,999.99)ira0.85% APY0.85%—Standard
18/65 Money Market Account ($10,000-$24,999.99)money_market1.00% APY1.00%—Standard
$10,000 - $24,999.99savings1.00% APY1.00%—Standard
Tiered IRA Savings ($10,000-$24,999.99)ira1.00% APY1.00%—Standard
$25,000 - $49,999.99savings1.14% APY1.14%—Standard
Tiered IRA Savings ($25,000-$49,999.99)ira1.14% APY1.14%—Standard
18/65 Money Market Account ($25,000-$49,999.99)money_market1.14% APY1.14%—Standard
$50,000 - $99,999.99savings1.34% APY1.34%—Standard
18/65 Money Market Account ($50,000-$99,999,.99)money_market1.34% APY1.34%—Standard
Tiered IRA Savings ($50,000-$99,999.99)ira1.34% APY1.34%—Standard
$100,000 - $249,999.99savings1.49% APY1.49%—Standard
18/65 Money Market Account ($100,000-$249,999.99)money_market1.49% APY1.49%—Standard
Tiered IRA Savings ($100,000-$249,999.99)ira1.49% APY1.49%—Standard
$250,000 And Abovesavings1.69% APY1.69%—Standard
18/65 Money Market Account ($250,000 and above)money_market1.69% APY1.69%—Standard
Tiered IRA Savings ($250,000 and above)ira1.69% APY1.69%—Standard
91 Day CDcd2.00% APY1.98%—Standard
91 Day IRA CDira_cd2.00% APY1.98%—Standard
60-Month Certificatecd_60mo2.81% APY2.81%60 moStandard
48-Month IRA Certificateira_cd_48mo2.85% APY2.81%48 moStandard
36-Month Certificatecd_36mo2.85% APY2.81%36 moStandard
48-Month Certificatecd_48mo2.85% APY2.81%48 moStandard
2.5 Year CDcd_60mo2.85% APY2.81%60 moStandard
36-Month IRA Certificateira_cd_36mo2.85% APY2.81%36 moStandard
2.5 Year IRA CDira_cd_60mo2.85% APY2.81%60 moStandard
24-Month IRA Certificateira_cd_24mo3.10% APY3.05%24 moStandard
24-Month Certificatecd_24mo3.10% APY3.05%24 moStandard
1.5 Year IRA CDira_cd_60mo3.25% APY3.20%60 moStandard
1.5 Year CDcd_60mo3.25% APY3.20%60 moStandard
Starter CD**cd_12mo3.50% APY3.44%12 moStandard
6-Month Certificatecd_6mo3.50% APY3.44%6 moStandard
6-Month IRA Certificateira_cd_6mo3.50% APY3.44%6 moStandard
12-Month Certificatecd_12mo3.97% APY3.97%12 moStandard
5-Month Certificatecd_5mo4.05% APY3.97%5 moStandard
5-Month Certificatecd_5mo4.05% APY4.05%5 moStandard
8-Month IRA Certificateira_cd_8mo4.05% APY3.97%8 moStandard
8-Month Certificatecd_8mo4.05% APY3.97%8 moStandard
12-Month IRA Certificateira_cd_12mo4.05% APY3.97%12 moStandard
5-Month IRA Certificateira_cd_5mo4.05% APY3.97%5 moStandard

As of August 4, 2026, Align Credit Union offers a 30-year fixed mortgage at 6.375% APR. Vehicle loans available from 4.05% APR. HELOC rates from 5.24% APR. Personal loan rates from 8.75% APR. Savings and certificate yields up to 4.05% APY.

Source: RateAPI.dev, verified from Align Credit Union's official website

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About Align Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
27K
Assets
$642.1M
Founded
1922
Locations reported
6
NCUA charter
66365
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Lowell FirefightersLowell Firefighters Credit Union · Lowell · MA · 01851Branch in the same ZIPJeanne D'arcMain Office · Lowell · MA · 01854-3908About 1.6 miles awayPathwayCSPI · Lowell · MA · 01854-3635About 1.6 miles awayLowell Municipal EmployeesCity Hall · Lowell · MA · 01852-5909About 2.1 miles awayMills42Mills42 FCU · Lowell · MA · 01852About 2.1 miles awayFirst TechnologyLowell · Lowell · MA · 01850About 2.6 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Align Credit Union

Membership eligibility from Align Credit Union's own published criteria. How we verify this.

Community charter: live/work in Ashburnham, MA, NH

  • LocationMA, NH

Cost to join: About $5.

Verified from Align Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Align Credit Union?

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Frequently Asked Questions

What rates does Align Credit Union offer?

Align Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Align Credit Union rates updated?

RateAPI verifies Align Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Align Credit Union's rate data?

Rate data is collected directly from Align Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Align Credit Union's mortgage rate?

As of August 4, 2026, Align Credit Union offers a 30-year fixed mortgage at 6.375% APR.

What are Align Credit Union's auto, rv & motorcycle loan rates?

As of August 4, 2026, Align Credit Union offers vehicle loans from 4.05% APR.

What is Align Credit Union's HELOC rate?

As of August 4, 2026, Align Credit Union offers home equity lines of credit from 5.24% APR.

What is Align Credit Union's personal loan rate?

As of August 4, 2026, Align Credit Union offers personal loans from 8.75% APR.

What is Align Credit Union's best CD rate?

As of August 4, 2026, Align Credit Union offers savings and certificate (CD) yields up to 4.05% APY.

Related Rate Data

Compare Align Credit Union's rates against national credit-union benchmarks.

More Massachusetts credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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