Align Credit Union Membership Expansion:

THE COMMONWEALTH OF MASSACHUSETTS
Division of Banks
ALIGN CREDIT UNION, Lowell, Massachusetts has petitioned the Commissioner of Banks for permission to amend its by-laws pursuant to Massachusetts General Laws chapter 171, section 10 to expand the associations which qualify persons for membership. The amendment proposes to expand membership eligibility to include those who live, work, or attend school within the following Massachusetts municipalities: Ashburnham, Auburn, Fitchburg, Gardner, Holden, Hubbardston, Leicester, Leominster, Lunenburg, Millbury, Oxford, Paxton, Princeton, Sterling, Sutton, Templeton, West Boylston, Westminster, Winchendon, and Worcester. Any objections or comments relative to this proposal must be communicated in writing to the Commissioner of Banks, One Federal Street, Suite 710, Boston, Massachusetts 02110 or via electronic mail to dob.comments@mass.gov no later than July 24, 2026. A public hearing may be held if the response is considered significant or circumstances warrant such a hearing, as determined by the Commissioner. The petitioner's application and all communications relative to this application are available from the Division by request at dob.rao@mass.gov.
MARY L. GALLAGHER
Commissioner of Banks

Electronic Statement Access Alert:

Some members may experience limited access to their electronic statements. This is a temporary issue, and our team is actively working to resolve it. At this time: Only accounts associated with your surviving member number may appear on your statement. If your member number was previously changed, you may only see statements generated after that change. We apologize for any inconvenience and appreciate your patience as we work to resolve this issue.

Home Refinance

Refinancing your mortgage has the potential to save you thousands of dollars over the life of your loan. If you want to take advantage of lower interest rates or the value of your home has increased, refinancing may make sense for you. But is it the right option?

Our home refinance process will help you take control of your mortgage expenses. We can help you decide by looking at the big picture and what you want to accomplish. 

Fixed Rate Mortgage

  • Various terms available
  • Easy to budget with predictable monthly payments
  • Consider a fixed rate mortgage when:
    • You don't plan to move for a number of years
    • You don't want to worry about rising interest rates
    • You expect your income to remain stable.
Apply Now View Current Rates

Adjustable Rate Mortgage

  • Fixed interest rate for the initial term then adjust for second term option according to an index.
  • Saves money with lower starting interest rate compared to a fixed rate.
  • Consider an adjustable rate mortgage when:
    • You plan to move or payoff your mortgage within 15 years
    • You want a lower monthly payment and are comfortable with a variable rate.
Apply Now View Current Rates

Featured Rates

View Current Rates

30 Year Fixed

6.491
% APR**
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15 Year Fixed

6.268
% APR**
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5 Year Adjustable Rate

6.337
% APR**
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Disclosure:

APR= Annual Percentage Rate 

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