Market Street Lowell ATM Machine Alert:

The Align Credit Union ATM located at 40 Market Street in Lowell, MA is currently out of service. For alternative ATM options during this outage, please visit our locations page.  We apologize for any inconvenience this may cause. 

CU Rewards Program Reminder:

Align Credit Union discontinued the CU Rewards Program for both Debit and Credit Cards effective 06/30/2025. All rewards were required to be redeemed by that date; any unredeemed rewards after 06/30/2025 are no longer valid.

 

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 interest rates 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 the NCUA and MSIC
  • 2 Year CD and 5 Year CD are available to open online

CD Specials

  • Limited time offer: 5 month and 8 month terms available
  • Low minimum opening deposit of $500
  • Lock in a guaranteed great rate
  • Funds are insured by NCUA and MSIC

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 are insured by NCUA and MSIC

 

Featured Rates

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5 Month CD Special

APY as high as*
4.15
% APY*

1 Year CD

APY as high as*
3.75
% APY*

5 Year CD

APY as high as*
2.85
% APY*

Disclosure:

*APY= Annual Percentage Yield. APY effective as of 07/22/2025.

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, all other deposit rates are variable and subject to change after the account is opened. 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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