Rates

Deposits Rates

Certificates of Deposit
Effective 3/17/2020
View the Fee Schedule

Product Term Interest Rate APY Minimum Amount to Open Minimum to Earn
Special 21 Month CD 21 months 1.14% 1.15% $500 $500
Special 7 Month CD 7 Months 1.00% 1.00% $500 $500
Starter CD* 12 Months 0.90% 0.90% $100 $100
5 Year CD 5 years 1.54% 1.55% $500 $500
4 Year CD 4 Years 1.44% 1.45% $500 $500
3 Year CD 3 Years 1.34% 1.35% $500 $500
2.5 Year CD 2.5 Years 1.14% 1.15% $500 $500
2 Year CD 2 years 1.04% 1.05% $500 $500
1.5 Year CD 1.5 Years 1.00% 1.00% $500 $500
1 Year CD 12 Months 0.80% 0.80% $500 $500
6 Month CD 6 Months 0.50% 0.50% $500 $500
91 Day CD 91 Days 0.30% 0.30% $500 $500
2 Year CD and 5 Year CD available to open online.

*Starter CD: 2 additional deposits with a minimum of $ 100.  Available to members 5-17 years old

***Available to first-time homebuyers only. The early withdrawal penalty will be waived as long as the money is used as a down payment toward the purchase of your first home financed with an Align Credit Union mortgage loan.  Unlimited deposits allowed.
Rates on certificates of deposit are guaranteed for the length of the term, all other deposit rates are variable and subject to change after the account is opened. Fees may reduce earnings on accounts. A penalty may be imposed for early withdrawal on Certificates of Deposit.

IRA Certificates
Effective 03/17/2020

Product Term Interest Rate APY Minimum Amount to Open Minimum to Earn
5 Year IRA CD 5 Years 1.54% 1.55% $500 $500
4 Year IRA CD 4 Years 1.44% 1.45% $500 $500
3 Year IRA CD 3 Years 1.34% 1.35% $500 $500
2.5 Year IRA CD 2.5 Years 1.14% 1.15% $500 $500
2 Year IRA CD 2 Years 1.04% 1.05% $500 $500
1.5 Year IRA CD 1.5 Years 1.00% 1.00% $500 $500
1 Year IRA CD 12 Months 0.80% 0.80% $500 $500
6 Month IRA CD 6 Months 0.50% 0.50% $500 $500
91 Day IRA CD 91 Days 0.30% 0.30% $500 $500
Variable IRA CD 0.45% 0.45% $25 $25
7 Month IRA CD Special 7 months 1.00% 1.00% $500 $500
21 Month IRA CD Special 21 months 1.14% 1.15% $500 $500
Rates on certificates of deposit are guaranteed for the length of the term, all other deposit rates are variable and subject to change after the account is opened. Fees may reduce earnings on accounts. A penalty may be imposed for early withdrawal on Certificates of Deposit.
 

Tiered IRA Savings
Effective 04/01/2020

Balance Interest Rate APY Minimum Balance to Earn APY
Below $2,500 0.25% 0.25% $25
$2,500-$9999 0.30% 0.30% $2,500
$10,000-$24,999 0.40% 0.40% $10,000
$25,000-$49,999 0.50% 0.50% $25,000
$50,000-$99,999 0.60% 0.60% $50,000
$100,000-$249,999 0.70% 0.70% $100,000
$250,000 and above 0.80% 0.80% $250,000
*Rates effective 4/1/2020. APY- Annual Percentage Yield. Rates are variable and may change after the account is opened.  Fees may reduce earnings on the account. IRA transactions are subject to IRA rules and regulations.  Minimum deposits required to open this account is $2,500. 

Money Market Account
Effective 04/01/2020

Balance Interest Rate APY Minimum Balance to Earn APY
Below $2,500 0.25% 0.25% $25
$2,500 - $9,999 0.30% 0.30% $2,500
$10,000 - $24,999 0.40% 0.40% $10,000
$25,000 - $49,999 0.50% 0.50% $25,000
$50,000 - $99,999 0.60% 0.60% $50,000
$100,000 - $249,999 0.70% 0.70% $100,000
$250,000 and above 0.80% 0.80% $250,000
Minimum balance required to open this account is $2,500.

Savings & Checking Accounts
Effective 01/01/2020
View the Fee Schedule

 

Account APY Dividend Rate Interest Rate Minimum to Open Minimum to Earn APY
Align Checking -- -- -- $1 $0
Benefit Checking 0.25% -- 0.25% $1 $0
MyGoal Savings 0.25% -- 0.25% $1 $25
Student Checking 0.25% -- 0.25% $0 $0
Membership Savings 0.25% 0.25% -- $25 $25
Holiday Club 0.10% 0.10% $1 $25
*Available for members age 14-24.
APY= Annual Percentage Yield
Rates on certificates of deposit are guaranteed for the length of the term, all other deposit rates are variable and subject to change after the account is opened. Fees may reduce earnings on accounts. A penalty may be imposed for early withdrawal on Certificates of Deposit.
View Fee Schedule.

Consumer Loan Rates

Auto Loans
Effective 02/01/2020

Vehicle Type APR as low as* Monthly Payment (per $1,000) Term
New / Used Auto Purchase 3.25% $29.19 3 Years
New/Used Auto Refinance 3.25% $29.19 3 Years

*Annual Percentage Rate may vary based on your personal credit history.  Other rates and terms available. Stated APR is for the purchase or refinance of a 2018, 2019 and 2020 model automobile. Payments reflect principal and interest only.  Additional .25% rate discount if the loan to value is less than 70%. Loan to value is calculated based on loan amount and NADA or sticker price of the vehicle.
 

Programs, rates, terms and conditions subject to change without notice. All loans subject to credit approval. Credit Union membership is required.

 
 

Recreational Vehicle Loans
Effective 01/01/2020

Vehicle Type APR as low as Monthly Payment (per $1,000) Term
New RV* 8.25% $20.40 10 Years
Used RV** 8.50% $20.52 8 Years
*Maximum amount is 100% of NADA Book Value or Sticker Price
**Maximum amount is 100% of NADA Book Value

Programs, rates, terms and conditions subject to change without notice. The rate may vary depending on each individual's credit experience. All loans subject to credit approval. Credit Union membership is required.

Personal Loans
Effective 01/01/2020

Product APR as low as Maximum Amount* Monthly Payment (per $1,000) Term
Personal Loan* 8.75% $20,000 $24.77 48 Month

*Contact us for rates and terms for higher loan amounts.

Programs, rates, terms and conditions subject to change without notice. The rate may vary depending on each individual's credit experience. All loans subject to credit approval. Credit Union membership is required.
 
 

Credit Card Rates
Effective 01/01/2020

Account Type Maximum Amount APR*
Platinum Credit Card $20,000 9.75% to 14.75%
*prime plus margin
Rates as low as 10.25% Variable APR based on your credit worthiness. APR effective as 08/23/2019. Other fees may include: Cash Advance fee of 2% of the cash advance or $5.00 minimum. $90 maximum; Foreign Transaction Fee of 1% of transaction in U.S. Dollars; Returned Payment Fee of up to $20; Late Payment Fee of 10% of the outstanding balance or maximum of $10.
Programs, rates, terms and conditions subject to change without notice. The rate may vary depending on each individual's credit experience. All loans subject to credit approval. Credit Union membership is required.

Mortgage Rates

Product Term Maximum Amount Rates APR Points Payment
30 Year Fixed* 30 Years $510,400 3.75% 3.804% 0% $1,042.01
20 Year Fixed* 20 Years $510,400 3.625% 3.700% 0% $1,319.41
15 Year Fixed* 15 Years $510,400 3.50% 3.597% 0% $1,608.49
30 Year Fixed Jumbo* 30 Years $1,000,000 3.75% 3.770% 0% $2.778.69
Effective 4/3/2020

APR= Annual Percentage Rate 

Rates and points shown are for members with the best credit profile. Other rates and points are available based on credit history and appraisal. Different rates may apply for cash out refinances. 20 and 10 year Fixed Rates also available. The payments listed above do not include amounts for taxes and insurance.  

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $225,000 and an estimated property value of $300,000(25% downpayment).  The 30 year fixed jumbo loans assumes the purpose of the loan is to purchase a property, with a loan amount of $600,000 and an estimated property value of $800,000 (25% downpayment).
The property is located in MA and is within Middlesex County. The property is a new single family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740. The rate lock period is 45 days. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes. *No Points No Closing Costs (NPNC) Options: Please contact a Home Financing Consultant for a personalized quote. Loan must be used to purchase a home (primary residence or vacation home). Cost of appraisal and mortgage discharge fees may be required. Not available on Jumbo mortgages.

Programs, rates, terms and conditions subject to change without notice. The rate may vary depending on each individual's credit experience. All loans subject to credit approval. Credit Union membership is required.