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Today's Rates

Annual Percentage Rate as low as:
30 Year Fixed 4.17% Apply
5 Year ARM 3.25% Apply
New/Used Auto Purchase2.25%Apply
Annual Percentage Yield as high as:
Variable IRA0.40%Apply
Money Market0.50%Apply
View All Rates

Annual Percentage Rate as low as:

30 Year Fixed 4.17% Apply
15 Year Fixed 3.54% Apply
5 Year ARM 3.25% Apply
30 Year Fixed
Mass Housing
(first-time homebuyer)
4.17% Apply
Annual Percentage Rate as low as:
New/Used Auto Purchase2.25%Apply
New/Used Auto Refinance2.25%Apply
New RV8.25%Apply
Used RV8.50%Apply
View All RatesView All Rates



We understand your life is full of twists and turns. And sometimes they don't take you past an Align branch during business hours. That's why we offer technology to help you take care of your banking when and where it's convenient for you.

In addition to the services below, you can also access over 27,000 FREE ATMs through our extended network of partners to check balances, get cash or even make deposits.

To take advantage of all of our eServices, please register for Online Banking. Need more information?

Fill It Up Day

April’s tax deadline has come and gone and you met the filing deadlines (way to go!), but before you put all that behind you, you must decide what documents to save and for how long. Here are three tips to consider:

  • Tip 1: Store your prior year’s tax returns and the supporting documents in Virtual StrongBox. It can be helpful to refer to the prior year’s tax return as a guide when preparing the current year’s return.
  • Tip 2: As a general rule of thumb, the IRS recommends keeping tax returns and supporting documents for three years.
  • Tip 3: Quick access to tax information is also essential when applying for mortgages, financial aid, or other loans.
It can be helpful to use a secure online tool such as Virtual StrongBox, an online safe deposit box offered by Align. Tax returns and documents can be scanned, stored, and shared for as long as necessary. Unlike paper files stored in bankers’ boxes, digital documents are also protected from unforeseen household problems, such as water damage due to broken pipes, or fires.

Login in to Online Banking now to register for Virtual Strongbox. Start backing up important files today!

Online Banking

Manage your accounts 24/7.
  • Free and Secure
  • Check balances and account history
  • View paid checks
  • Make stop payments
  • View and download eStatements for your membership or credit card
  • Make credit card payments and view activity
  • Set account alerts
Getting Started: Register for Online Banking.


Point and click your way to paperless banking.
  • Print or save to your computer
  • Protected with state-of-the-art encryption technology
  • Archived for 7 years
  • Saves paper and clutter
  • Available 3-4 days earlier than paper statements
  • Available on both your membership and credit cards
Getting Started: Login to Online Banking to sign up.

Account to Account Transfers

Quick, easy access to your money…no matter where it is.
  • Free incoming transfers
  • Low $2 fee for outgoing transfers
  • Secure account management
  • Easy access through Online Banking
Getting Started: First, register for Online Banking. Once you are registered, login and select Bill Pay and then Transfer Money.

Mobile Banking

Have Align anywhere you need to go through your iPhone, iPad, or Android.
  • Check balances, history and make loan payments
  • Make transfers between Align accounts
  • Find Align branches and ATMs
  • Electronically deposit checks with your mobile device
Getting Started: To use Mobile Banking, register for Online Banking and you can download the Align app at the Itunes or Google play store.

Message and data rates may apply.

Mobile Check Deposit

Now introducing Mobile Check Deposit! Even though we love when you visit us in the branch, we understand that you sometimes need another solution.
  • Conveniently deposit checks by capturing a picture on your iPhone®, iPad®, or Android™ mobile device
  • Simply snap and securely submit your deposit
  • Quick and easy electronic deposit alternative
  • Available through the Align Mobile Banking app (download in the iTunes® and Google Play™ stores)
Getting Started: To use Mobile Banking, you can download the Align app. To learn more, please view the FAQ's.

Message and data rates may apply.

My Virtual StrongBox

Welcome to the digital age of safe deposit boxes. Securely store important documents within My Virtual Strongbox. Such documents might include copies of passports, birth and/or marriage certificates, mortgage and loan documents, wills, insurance policies, and much more.
  • All Align Members receive 25 MB FREE storage
  • Access My Virtual StrongBox through Online Banking by clicking the Documents link on the Accounts page
  • Digital storage helps protect against destroyed documents in case of a disaster
  • Sort files for easy and effective organization
  • Share capabilities make it easy and secure to send files, electronically, to trusted sources
  • Additional storage available for purchase

For more information, please view the FAQ’s or call the Member Care Center at 800-942-9575.


Online BillPay

Fast, Easy. Never use your checkbook again.
  • Send payments, one time or recurring
  • View and pay e-bills from over 370 online billers

View the new features of Online Bill Pay.

Getting Started: Register for Online Banking. Click on BillPay to login.

Pay People

Send, request and receive money online or through your iPhone, iPad, or Android.
  • Great for paying the babysitter, collecting money for concert tickets and much more
  • Quick, simple and secure
  • Free incoming and outgoing transfers
Getting Started: First, become a registered Online Banking and Bill Pay user. Once you are registered for both, login to Online Banking, select Pay People. To learn more about how Pay People works, click here

Remote Desktop Deposit

Deposits right from your desktop. Signed, scanned, delivered.
  • Conveniently make deposits with a personal computer and scanner
  • Save time and money with effective and efficient services
  • Electronic deposit alternative when direct deposit is not available
Getting Started: Login to Online Banking, Click on Accounts, Click on Online Deposit, Select an Account for Deposit, Read and Accept the Terms and Conditions.

Read our FAQs to learn more.

Wire Transfer

Get your money where it needs to go, easy as 1,2…oh wait, that's it!


  1. Complete a Wire Transfer Form
  2. Sign and fax to our Member Care Center at 978-459-2494 or stop by one of our branches.


You will need the following information to wire money into Align:

Align Credit Union
40 Market St. Lowell, MA 01852
Routing and Transit #ABA#- 211383901
Phone 800-942-9575

Name(s) as they appear on the account
Member number

Things to know:

  • We cannot send international wires directly. You must provide us with an intermediary financial institution within the United States in order for the wire to be sent internationally.
  • Wire instructions received before 12:00 noon will be processed the same day.
View our current fee schedule.