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Today's Rates

Annual Percentage Rate as low as:
30 Year Fixed 4.04% Apply
5 Year ARM 3.25% Apply
New/Used Auto Purchase2.25%Apply
Annual Percentage Yield as high as:
Variable IRA0.40%Apply
Money Market0.60%Apply
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Annual Percentage Rate as low as:

30 Year Fixed 4.04% Apply
15 Year Fixed 3.54% Apply
5 Year ARM 3.25% Apply
30 Year Fixed
Mass Housing
(first-time homebuyer)
4.17% Apply
Annual Percentage Rate as low as:
New/Used Auto Purchase2.25%Apply
New/Used Auto Refinance2.25%Apply
New RV8.25%Apply
Used RV8.50%Apply
View All RatesView All Rates

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Rates

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: 07-01-2017

Term Interest Rate APY Minimum
Starter CD*0.80%0.80%$ 100
5 Yr CD1.83%1.85%$ 500
4 Yr CD1.59%1.60%$ 500
3 Yr CD1.39%1.40%$ 500
2 1/2 Yr CD1.19%1.20%$ 500
2 Yr CD0.99%1.00%$ 500
1 1/2 Yr CD0.90%0.90%$ 500
1 Yr CD0.70%0.70%$ 500
6 Mo CD0.35%0.35%$ 500
91 Day CD0.30%0.30%$ 500
*2 additional deposits with a minimum of $ 100.

IRA Certificates

Rates effective: 07-01-2017

Term Interest Rate APY Minimum
5 Yr IRA CD1.83%1.85%$ 500
4 Yr IRA CD1.59%1.60%$ 500
3 Yr IRA CD1.39%1.40%$ 500
2 1/2 Yr IRA CD1.19%1.20%$ 500
2 Yr IRA CD0.99%1.00%$ 500
1 1/2 Yr IRA CD0.90%0.90%$ 500
1 Yr IRA CD0.70%0.70%$ 500
6 Mo IRA CD0.35%0.35%$ 500
91 Day IRA CD0.30%0.30%$ 500
Variable IRA0.40%0.40%$ 25

Money Market Account

Rates effective: 07-01-2017

Balance Interest Rate APY Minimum Balance to Earn APY
Below $ 25000.25%0.25%$ 25
$ 2500-$ 99990.30%0.30%$ 2500
$ 10000-$ 249990.35%0.35%$ 10000
$ 25000-$ 499990.45%0.45%$ 25000
$ 50000-$ 999990.50%0.50%$ 50000
$ 100000 & above0.60%0.60%$ 100000
Minimum balance required to open this account is $2,500.

Savings and Checking

Rates effective: 07-01-2017

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: 05-16-2017

Vehicle Type APR as low as* Monthly payment/
$ 1000 (5 year term)
New/Used Auto Purchase2.25%$ 17.64
New/Used Auto Refinance2.25%$ 17.64
Used Autos older than 2007Call Loan Dept
* APR based on .25% discount for Align direct deposit or direct payment from an Align Checking account and .25% for a
loan to value 70% or less. No downpayment required.

Recreational Vehicle Loans

Rates effective: 05-16-2017

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: 05-16-2017

Account Type Maximum Amount APR*
Platinum Credit Card$ 150008.25% to 14.25%
Visa Signature Rewards$ 1500011.50% to 12.50%
*prime plus margin
Please see the VISA Disclosure for rate, fee and other cost information.
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: 07-01-2017

Account Dividend Rate APY
Business Savings0.25%0.25%
Commercial Checking0.10%0.10%

SEP (Simplified Employee Pension) IRA Certificates

Rates effective: 07-01-2017

Term Interest Rate APY
5 Yr IRA CD1.83%1.85%
4 Yr IRA CD1.59%1.60%
3 Yr IRA CD1.39%1.40%
2 1/2 Yr IRA CD1.19%1.19%
2 Yr IRA CD0.99%1.00%
1 1/2 Yr IRA CD0.90%0.90%
1 Yr IRA CD0.70%0.70%
6 Mo IRA CD0.35%0.35%
91 Day IRA CD0.30%0.30%
Variable IRA0.40%0.40%
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: 07-01-2017

Balance Interest Rate APY
Below $ 25000.15%0.15%
$ 2500-$ 49990.25%0.25%
$ 5000-$ 99990.30%0.30%
$ 10000-$ 249990.35%0.35%
$ 25000-$ 499990.45%0.45%
$ 50000 & above0.60%0.60%
Minimum balance required to open this account is $2,500.

Business Credit Cards

Rates effective: 07-01-2017

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 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.
Please note: APR = Annual Percentage Rate, APY = Annual Percental Yield