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Today's Rates

Annual Percentage Rate as low as:
30 Year Fixed 4.681% Apply
5 Year ARM 4.793% Apply
New/Used Auto Purchase3.50%Apply
Annual Percentage Yield as high as:
Variable IRA0.45%Apply
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Annual Percentage Rate as low as:
30 Year Fixed 4.681% Apply
15 Year Fixed 4.222% Apply
5 Year ARM 4.793% Apply
30 Year Fixed
Mass Housing
(first-time homebuyer)
4.342% Apply
Annual Percentage Rate as low as:
New/Used Auto Purchase3.50%Apply
New/Used Auto Refinance3.50%Apply
New RV8.25%Apply
Used RV8.50%Apply
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MORTGAGES

Align offers a full range of mortgage products to fit your needs, competitive rates to help you attain your financial goals, and a team of experts who will guide you through the whole process. Take the first step by getting a rate and quote.

 

DEPOSITS Fee Schedule Fee Schedule

Certificates of Deposit

Rates effective: 10-01-2018

Term Interest Rate APY Minimum
Starter CD**1.59%1.60%$ 100
5 Yr CD2.47%2.50%$ 500
4 Yr CD2.22%2.25%$ 500
3 Yr CD2.03%2.05%$ 500
2 1/2 Yr CD1.88%1.90%$ 500
2 Yr CD1.83%1.85%$ 500
1 1/2 Yr CD1.74%1.75%$ 500
1 Yr CD1.49%1.50%$ 500
6 Mo CD1.05%1.05%$ 500
91 Day CD0.75%0.75%$ 500
Special 21 Month CD under $25,0001.78%1.80%$ 500
Special 21 Month CD $25,000 less $100,0001.93%1.95%$ 25,000
Special 21 Month CD $100,000 and greater2.27%2.30%$ 100,000
Special 11 Month CD under $25,0001.59%1.60%$ 500
Special 11 Month CD $25,000 less $100,0001.74%1.75%$ 25,000
Special 11 Month CD $100,000 and greater1.98%2.00%$ 100,000
**Starter CD: 2 additional deposits with a minimum of $ 100.

IRA Certificates

Rates effective: 10-01-2018

Term Interest Rate APY Minimum
5 Yr IRA CD2.47%2.50%$ 500
4 Yr IRA CD2.22%2.25%$ 500
3 Yr IRA CD2.03%2.05%$ 500
2 1/2 Yr IRA CD1.88%1.90%$ 500
2 Yr IRA CD1.83%1.85%$ 500
1 1/2 Yr IRA CD1.74%1.75%$ 500
1 Yr IRA CD1.49%1.50%$ 500
6 Mo IRA CD1.05%1.05%$ 500
91 Day IRA CD0.75%0.75%$ 500
Variable IRA0.45%0.45%$ 25
Special 21 Month IRA CD under $25,0001.78%1.80%$ 500
Special 21 Month IRA CD $25,000 less than $100,0001.93%1.95%$ 25000
Special 21 Month IRA CD $100,000 and greater2.27%2.30%$ 100000
Special 11 Month IRA CD under $25,0001.59%1.60%$ 500
Special 11 Month IRA CD $25,000 less than $100,0001.74%1.75%$ 25,000
Special 11 Month IRA CD $100,000 and greater1.98%2.00%$ 100,000

Money Market Account

Rates effective: 10-01-2018

Balance Interest Rate APY Minimum Balance to Earn APY
Below $ 25000.25%0.25%$ 25
$ 2500-$ 99990.50%0.50%$ 2500
$ 10000-$ 249990.60%0.60%$ 10000
$ 25000-$ 499990.70%0.70%$ 25000
$ 50000-$ 999990.85%0.85%$ 50000
$100,000 to $249,9990.95%0.95%$ 100000
$250,000 and above1.10%1.10%$ 250000
Minimum balance required to open this account is $2,500.

Savings and Checking

Rates effective: 10-01-2018

Account Interest Rate APY Minimum to Open Minimum to Earn APY
Kids Super Saver0.75%0.75%$ 15$ 1
Teen Super Saver0.75%0.75%$ 25$ 1
Student Super Saver0.75%0.75%$ 50$ 1
Align Checking$ 1
Benefit Checking0.25%0.25%$ 1$ 0
Student Checking0.25%0.25%$ 0$ 0
MyGoal Savings0.25%0.25%$ 1$ 25
Account Dividend Rate APY Minimum to Open Minimum to Earn APY
Membership Savings0.25%0.25%$ 25$ 25
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.
CONSUMER LOANS Fee Schedule Fee Schedule

Auto Loans

Rates effective: 10-24-2018

Vehicle Type APR as low as* Monthly payment/
$ 1000 (5 year term)
New/Used Auto Purchase3.50%$ 18.20
New/Used Auto Refinance3.50%$ 18.20
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.

Recreational Vehicle Loans

Rates effective: 10-24-2018

Vehicle Type APR as low as Monthly payment/
$ 1000 (5 year term)
New RV*8.25%$ 20.40
Used RV**8.50%$ 20.52
*Maximum amount is 100% of NADA Book Value or Sticker Price
**Maximum amount is 100% of NADA Book Value
***No downpayment required.

Personal Loans

Rates effective:

Term (up to 48 months) APR as low as Maximum Amount* Monthly payment/
$ 1000 (4 year term)
Personal Loan9.50%$ 15000$ 25.13
*Contact us for rates and terms for higher loan amounts.

Credit Card

Rates effective: 10-24-2018

Account Type Maximum Amount APR*
Platinum Credit Card$ 1500010.25% to 15.25%
*prime plus margin
Rates as low as 10.00% Variable APR based on your credit worthiness. APR effective as 08/29/2018. 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 us to $20; Late Payment Fee of 10% of the outstanding balance of 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.
BUSINESS Fee Schedule Fee Schedule

Savings and Checking

Rates effective: 10-01-2018

Account Dividend Rate APY Minimum to Open Minimum to Earn APY
Business Savings0.25%0.25%$25$25
Commercial Checking0.10%0.10%$100$15
Business Savings and IRA Variable accounts: Minimum to open and earn APY is $25.
Commercial Checking: Minimum to open $100 and minimum to earn APY $15

SEP (Simplified Employee Pension) IRA Certificates

Rates effective: 10-01-2018

Term Interest Rate APY Minimum
5 Yr IRA CD2.47%2.50%$ 500
4 Yr IRA CD2.22%2.25%$ 500
3 Yr IRA CD2.03%2.05%$ 500
2 1/2 Yr IRA CD1.88%1.90%$ 500
2 Yr IRA CD1.83%1.85%$ 500
1 1/2 Yr IRA CD1.74%1.75%$ 500
1 Yr IRA CD1.49%1.50%$ 500
6 Mo IRA CD1.05%1.05%$ 500
91 Day IRA CD0.75%0.75%$ 500
Variable IRA0.45%0.45%$ 25
Special 21 Month IRA CD under $25,0001.78%1.80%$ 500
Special 21 Month IRA CD $25,000 less than $100,0001.93%1.95%$ 25000
Special 21 Month IRA CD $100,000 and greater2.27%2.30%$ 100000
Special 11 Month IRA CD under $25,0001.59%1.60%$ 500
Special 11 Month IRA CD $25,000 less than $100,0001.74%1.75%$ 25,000
Special 11 Month IRA CD $100,000 and greater1.98%2.00%$ 100,000
Minimum balance to open CD accounts and earn APY is $500. Minimum balance to open Variable IRA and earn APY is $25.

Business Money Market Account

Rates effective: 10-01-2018

Balance Interest Rate APY Minimum Balance to Earn APY
Below $ 25000.15%0.15%$ 25
$ 2500-$ 49990.50%0.50%$ 2500
$ 5000-$ 99990.60%0.60%$ 5000
$ 10000-$ 249990.70%0.70%$ 10000
$ 25000-$ 499990.85%0.85%$ 25000
$ 50000 to $249,9990.95%0.95%$ 50000
$250,000 and above1.10%1.10%$ 250000
Business Money Market Account-Minimum balance to earn lowest APY is $25. The minimum to open account is $2,500

Business Credit Cards

Rates effective: 10-01-2018

Account Type APR Range
Business Visa® Platinum*Prime Rate + 6%
Please see the VISA® Disclosure and Addendum for rate, fee and other cost information.
Rates are reviewed daily and subject to change. There is a penalty for early withdrawal on CDs. Fees may reduce earnings on accounts. 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 open.
Please note: APR = Annual Percentage Rate, APY = Annual Percental Yield