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Today's Rates

Annual Percentage Rate as low as:
30 Year Fixed 4.547% Apply
5 Year ARM 4.397% Apply
New/Used Auto Purchase2.50%Apply
Annual Percentage Yield as high as:
Variable IRA0.40%Apply
Money Market0.70%Apply
View All Rates
Annual Percentage Rate as low as:
30 Year Fixed 4.547% Apply
15 Year Fixed 4.173% Apply
5 Year ARM 4.397% Apply
30 Year Fixed
Mass Housing
(first-time homebuyer)
4.342% Apply
Annual Percentage Rate as low as:
New/Used Auto Purchase2.50%Apply
New/Used Auto Refinance2.50%Apply
New RV8.25%Apply
Used RV8.50%Apply
View All RatesView All Rates




No matter your age or retirement goals, adding an Individual Retirement Account (IRA) to your portfolio could be a smart choice. Align offers fixed-rate certificate of deposit accounts or variable rate accounts. Our goal is to make saving easier. We can help you set up an automatic deduction directly from your paycheck into your account. Rest easy knowing your deposits are always 100% insured. Even better, we'll never charge you a fee. Just another perk of Membership.

Traditional IRA

With a traditional IRA, you may be able to deduct your annual contributions on your federal income tax return. Your earnings are also 100% free from federal income tax until you decide it's time to withdraw them from your account.

Roth IRA

Choose a Roth IRA and your contributions are not tax deductible now. But, if you follow certain rules, your earnings will be tax-free when you withdraw them.

Rollover IRA

Have a 401(k) from a previous employer? Roll it into an IRA and keep your savings tax-deferred.

Simplified Employee Pension (SEP) Plans

Are you self-employed? Are you part of a sole proprietorship, partnership or small business? SEP Plans are a great way for small employee groups and companies to offer a retirement plan. If you don't have access to a pension, 401(k) or an employee-sponsored retirement program, you may be eligible. In this type of plan, an employer makes contributions to Traditional Individual Retirement Accounts (IRAs) for each eligible employee.

Learn about other ways Align can help your business, including checking, savings, commercial loans, insurance and more.

Need Help Making Sense of your Options?

We have a team of experts who can help. Contact the Align Financial Planning Group to get more guidance. Or contact your accountant or tax professional.

Visit our Learning Center for more information about IRA options.

Getting Started

To open an IRA, visit one of our branches.