Certificates of Deposit

Certificates of Deposit

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.  

Certificates of Deposit (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

Starter CD (ages 5-17)

Align's Starter CD teaches kids how to build their very own nest egg.  

  • Low minimum deposit   
  • Short 12-month term 
  • A great rate 

We'll even let them make two additional deposits along the way to boost their savings.

IRA CDs

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

Home Start CD

  • For first-time buyers
  • A better way to save for a downpayment
  • Higher interest rate than a traditional savings account
  • Make additional deposits throughout the term
  • Ability to withdraw interest credited without penalty*
  • Funds insured by NCUA and MSIC

5 Month and 19 Month CD Specials

  • Low minimum opening deposit of $500 
  • Lock in a guaranteed rate
  • Funds insured by the NCUA and MSIC
 
Smart Investing That Grows With You

Smart Investing That Grows With You

The Align Financial Planning Group can provide comprehensive investment solutions that complement traditional saving options. You’ll receive expert guidance and a customized plan that looks at where you are now and where you want to be.
Checking To Fit Your Lifestyle

Checking To Fit Your Lifestyle

Designed to help you manage your money on your own terms, the Align Checking account features no monthly maintenance fees and great benefits, including Identity Theft Protection.
*Annual Percentage Yield (APY) effective as of 01/1/2020. Penalty for early withdrawal of principal unless used as a down payment towards the purchase of a first home with an Align Credit Union mortgage. $500 minimum to earn APY.