Rates

Deposits Rates

Certificates of Deposit
Effective 02/11/2019
Click here for Fee Schedule

Product Term Interest Rate APY Minimum Amount to Open Minimum to Earn
Starter CD* 12 Months 1.93% 1.95% $100 $100
5 Year CD 5 Years 2.66% 2.70% $500 $500
4 Year CD 4 Years 2.42% 2.45% $500 $500
3 Year CD 3 Years 2.22% 2.25% $500 $500
2.5 Year CD 2.5 Years 2.08% 2.10% $500 $500
2 Year CD 2 Years 2.03% 2.05% $500 $500
1.5 Year CD 1.5 Years 1.98% 2.00% $500 $500
1 Year CD 12 Months 1.83% 1.85% $500 $500
6 Month CD 6 Months 1.19% 1.20% $500 $500
91 Day CD 91 Days 0.90% 0.90% $500 $500
Special 11 Month CD** 11 Months 2.23% 2.25% $500 $500
Home Start CD*** 2 Years 2.03% 2.05% $500 $500

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

Product Term Interest Rate APY Minimum Amount to Open Minimum to Earn
5 Year IRA CD 5 Years 2.66% 2.70% $500 $500
4 Year IRA CD 4 Years 2.42% 2.45% $500 $500
3 Year IRA CD 3 Years 2.22% 2.25% $500 $500
2.5 Year IRA CD 2.5 Years 2.10% 2.08% $500 $500
2 Year IRA CD 2 Years 2.03% 2.05% $500 $500
1.5 Year IRA CD 1.5 Years 2.00% 1.98% $500 $500
1 Year IRA CD 12 Months 1.83% 1.85% $500 $500
6 Month IRA CD 6 Months 1.19% 1.20% $500 $500
91 Day IRA CD 91 Days 0.90% 0.90% $500 $500
Variable IRA CD 0.45% 0.45% $25 $25
Special 14 Month IRA CD-Bump Up Option* 14 Months 2.42% 2.45% $500 $500
Special 30 Month IRA CD-Bump Up Option* 30 Months 2.71% 2.75% $500 $500
*“Bump Up” Option- This CD allows you a “bump up” option during the term of the CD to increase your rate and annual percentage yield.  The rate and annual percentage yield will be the 14/30 month IRA CD rate being offered at the time you exercise the option. You must contact the credit union to activate the “bump up” option.  You may make additional deposits.
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.
 

Money Market Account
Effective 01/01/2019

Balance Interest Rate APY Minimum Balance to Earn APY
Below $2,500 0.25% 0.25% $25
$2,500 - $9,999 0.55% 0.55% $2,500
$10,000 - $24,999 0.65% 0.65% $10,000
$25,000 - $49,999 0.75% 0.75% $25,000
$50,000 - $99,999 0.90% 0.90% $50,000
$100,000 - $249,999 1.00% 1.00% $100,000
$250,000 and above 1.15% 1.15% $250,000
Minimum balance required to open this account is $2,500.

Savings & Checking Accounts
Effective 01/01/2019
Click here for Fee Schedule

Account APY Dividend Rate Interest Rate Minimum to Open Minimum to Earn APY
Kids Super Saver 0.75% -- 0.75% $15 $1
Teen Super Saver 0.75% -- 0.75% $25 $1
Student Super Saver 0.75% -- 0.75% $50 $1
Align Checking -- -- -- $1 --
Benefit Checking 0.25% -- 0.25% $1 $0
Student Checking 0.25% -- 0.25% $0 $0
MyGoal Savings 0.25% -- 0.25% $1 $25
Membership Savings 0.25% 0.25% -- $25 $25
APY= Annual Percentage Yield
Rates effective 01/01/2019
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

Vehicle Type APR as low as* Monthly Payment (per $1,000) Term
New / Used Auto Purchase 3.50% $18.20 5 Years
New/Used Auto Refinance 3.50% $18.20 5 Years

*Annual Percentage Rate (APR) based on .25% discount for direct payment from an Align Checking account and .25% discount for a loan to value of 70% or less.

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.

 
 

Recreational Vehicle Loans

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

Product APR as low as Maximum Amount* Monthly Payment (per $1,000) Term
Personal Loan 9.00% $15,000 $24.88 4 Years

*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

Account Type Maximum Amount APR*
Platinum Credit Card $20,000 10.50% to 15.50%
*prime plus margin
Rates as low as 10.50% Variable APR based on your credit worthiness. APR effective as 02/19/2019. 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 $424,100 4.375% 4.441% 0% $1,123.39
20 Year Fixed 20 Years $424,100 4.250% 4.341% 0% $1,393.28
15 Year Fixed 15 Years $424,100 3.750% 3.865% 0% $1,650.24
30 Year Fixed Jumbo 30 Years $1,500,000 5.000% 5.036% 0% Call for info
Effective 02/04/2019

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 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). Minimum loan amount is $150,000. Auto-matic payment from an ALIGN account is required on all NPNC loans. 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.