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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. 

Indigenous Peoples' Day Closure: All Align branches and the member contact center will be closed on Monday, October 13, 2025 in observance of Indigenous Peoples' Day.  During this period, transactions can be made through online, mobile*, and telephone banking. *Message and data charges may apply.

Early Closure Announcement:

On October 23, 2025, all Align branches will close early at 2PM so that all staff can attend an offsite event.  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.

Government Shutdown Loan

Government Shutdown Loan Options

Align Credit Union is offering government shutdown assistance loan options to eligible members to assist with expenses while not receiving pay. 

  • 7.75% APR* for 36 months or 8.75 APR* for 54 months
  • Borrow up to two months of pay (maximum borrow amount of $25,000)
  • No fees or prepayment penalties
  • Must be able to provide proof of shutdown impact
  • Be a current Align Credit Union member

 

Contact us at (800) 942-9575 for rates and terms for higher loan amounts.

Disclosure:
*Subject to credit approval. Annual Percentage Rate (APR) may vary based on your personal credit history. 7.75% APR is for a 700+ FICO Score and 36-month term. For example, the established payment would be 36 monthly installments of $31.23 per $1,000 borrowed. 8.75% APR is for a 700+ FICO Score and 54-month term. For example, the established payment would be 54 monthly installments of $22.48 per $1,000 borrowed. Credit union membership required. Members must maintain a $5 deposit relationship. Contact us for rates and terms for higher loan amounts.

Additional Options

Skip-A-Payment

Give your budget a boost with Align's Skip-A-Payment Program*! Take a break from your loan payment and put some extra cash in your pocket to cover bills and expenses. To learn more or request a deferred payment, download our Skip-A-Payment Form. 

 

Debt Protection

No matter how carefully you plan, you never know when life may take an unexpected turn. This voluntary loan payment protection product could help protect your finances by cancelling your loan balance or payments when a protected disability, loss of life or involuntary unemployment event happens.

Overdraft Line of Credit

The overdraft line of credit links to your Align Checking Account with no bounced check, monthly, or application fees. There are no prepayment penalties; you pay interest only on the amount used.

Savings Secured Personal Loans

It is possible to borrow against an Align Savings or Certificate of Deposit (CD) account. Up to 90% of the available balance may be borrowed, with an interest rate set at 3% above the current dividend rate. Shares in the account will continue to earn dividends.

Disclosure:

*Your account must be in good standing. This means all loans and account balances must be current and in good standing when the Skip-A-Payment agreement is received by the Credit Union. If a loan was 30 days or more delinquent in the previous 6 months, it is not eligible to Skip-A-Payment. If any borrower on the loan has filed for bankruptcy, the loan is not eligible for Skip-A-Payment. This offering is not available on loans during the first 6 months of your loan agreement. Maximum (2) two skipped payments per calendar year and (4) four skipped payments for the life of the loan. There must be a minimum of (4) four timely monthly payments between skipped payments. No consecutive skipped payments will be allowed. This offer is for closed-end consumer loans only and excludes all real estate secured loans including Mortgages, Home Equity Lines of Credit, Overdraft Lines of Credit, Credit Cards and Commercial loans. Only personal, MassSave HEAT, automobile, motorcycle, and recreational vehicle loans are eligible. You may Skip-A-Payment on more than one loan for a $35 processing fee for each loan. If you choose to have the processing fee(s) deducted from your Credit Union savings or checking account, the funds must be available for withdrawal. Finance charges will continue to accrue on a daily basis at the Annual Percentage Rate set forth in your loan agreement, both during and after the deferral period. This means that this deferral of scheduled payments will result in having to pay higher total Finance Charges and possibly a greater total number of payments, than if you made these payments as originally scheduled. This means additional payment(s) may be due after the loan would have originally been paid off. You agree to contact the Credit Union for exact payoff information. Your next monthly payment will include the finance charges accrued from the skipped month. If you elected GAP coverage, your coverage may not be extended beyond the original maturity date. The expiration dates of GAP coverage, accident, life, disability, or other insurance will not be extended from the terms outlined on your original loan agreement.  All other terms of your original loan agreement will remain the same. Align Credit Union reserves the right to revoke this offer at any time if your loan does not meet the criteria for this program, which include, but are not limited to: market conditions; no bankruptcy; and a satisfactory payment record.

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