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

Independence Day Closure:

All Align branches will be CLOSED on Friday, July 3rd, 2026, and Saturday, July 4, 2026, in observance of Independence Day.

Transactions can be made during this time by accessing your account through online, mobile* and telephone banking.  We appreciate your understanding and apologize for any inconvenience this may cause. * Message and data charges may apply.

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.

IRAs

Start saving for tomorrow, today. Individual Retirement Accounts (IRAs) can help you save for retirement, a future expense, and more. A safe and sensible way to grow your nest egg, you can create a strategy that's right for you with our different account options.

Traditional IRA

  • Earnings grow tax deferred
  • Ability to make deposits through payroll deduction and automatic transfers
  • Required minimum distribution begin at age 72

ROTH IRA

  • Must be employed to contribute to an IRA
  • No maximum age limit
  • Contributions are not tax deductible
  • Earnings grow tax deferred
  • Non required distributions

Tiered IRA Savings


  • Traditional or Roth options available
  • Earn more with tiered rates - the higher your balance, the higher your return
  • Allows regular deposits
  • No term limits
  • Low minimum opening balance of $2,500
  • Funds insured by NCUA and MSIC

Simplified Employee Pension (SEP) IRA

  • Established by an employer for employees to help save for retirement
  • Must be self-employed or work for someone who is
  • Contributions to a SEP IRA are made only by the employer and tax deductible for the employer only
  • Employer must make contributions for all eligible employees

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 are insured by NCUA and MSIC

Disclosure:

Fees may reduce earnings on accounts. Rates and Annual Percentage Yields (APYs) on transaction account may be subject to change without notice and may change after account opening. Early withdrawal penalties will be imposed on IRA accounts. Membership requirements apply.

IMPORTANT: Align Credit Union employees are not authorized to give advice regarding tax issues. If you need help in deciding what specific IRA options may best fit your needs, please talk to your tax advisor or financial planner.

Featured Rates

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5 Month IRA CD Special

3.85
% APY*

2 Year IRA CD

3.10
% APY*

5 Year IRA CD

2.85
% APY*

IRA Resources

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The Benefits of Membership

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

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