Special Meeting Notification

Please join us for a Special Meeting on Tuesday, September 22, 2026, at 5:00 PM at our Lowell location, 87 Hale Street. The purpose of the meeting is to expand the field of membership to include additional Massachusetts municipalities.  Click here to learn more. **Proper member identification is required**

 

Certificate of Deposits

A Certificate of Deposit (CD) is a powerful savings tool to help you reach your financial goals.  CDs and IRA CDs offer higher dividends and flexible terms, making them a safe way to earn more.  

Certificate of Deposits (CDs)

  • Low risk way to grow your savings
  • Terms available from 91 days to 5 years
  • Low minimum deposit of $500
  • Funds insured by NCUA and MSIC
  • 2 Year CD and 5 Year CD are available to open online

IRA CDs

  • Low minimum opening deposit of $500
  • Available for both Traditional and Roth IRAs
  • Lock in a guaranteed great rate for a fixed term
  • Funds insured by NCUA and MSIC

Starter CD (ages 5-17)

Align's Starter CD teaches kids how to build their very own nest egg.  We'll even let them make two additional deposits along the way to boost their savings.

  • Low minimum deposit of $100
  • Short 12-month term
  • A great rate
  • Funds insured by NCUA and MSIC

 

Featured Rates

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6 Month CD

APY as high as*
3.75
% APY*

1.5 Year CD

APY as high as*
4.10
% APY*

5 Year CD

APY as high as*
2.85
% APY*

Disclosure:

*APY= Annual Percentage Yield. APY effective as of 08/31/2026.

Member must maintain a minimum daily balance of $500 or more each day to obtain the disclosed annual percentage yield. Only exception is on the starter certificate of deposits (for members ages 5-17), a minimum daily balance of $100 is required to obtain the disclosed annual percentage yield.

Rates on certificates of deposit are guaranteed for the length of the term. Fees may reduce earnings on accounts. A penalty may be imposed for early withdrawal on Certificates of Deposit. Credit union membership is required. Members must maintain a $5 deposit relationship.

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The Benefits of Membership

Align is a community credit union. We are committed to providing the right financial tools to help you reach your financial goals and deliver a customized banking experience perfectly in sync with you.

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*Message and data rates may apply.

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