Align Credit Union Announces 2026 Scholarship Recipients:

Align Credit Union awarded $10,000 in scholarships to ten college students attending a two or four-year college or university this fall.  View full press release here. 

Align Credit Union Membership Expansion:

THE COMMONWEALTH OF MASSACHUSETTS
Division of Banks
ALIGN CREDIT UNION, Lowell, Massachusetts has petitioned the Commissioner of Banks for permission to amend its by-laws pursuant to Massachusetts General Laws chapter 171, section 10 to expand the associations which qualify persons for membership. The amendment proposes to expand membership eligibility to include those who live, work, or attend school within the following Massachusetts municipalities: Ashburnham, Auburn, Fitchburg, Gardner, Holden, Hubbardston, Leicester, Leominster, Lunenburg, Millbury, Oxford, Paxton, Princeton, Sterling, Sutton, Templeton, West Boylston, Westminster, Winchendon, and Worcester. Any objections or comments relative to this proposal must be communicated in writing to the Commissioner of Banks, One Federal Street, Suite 710, Boston, Massachusetts 02110 or via electronic mail to dob.comments@mass.gov no later than July 24, 2026. A public hearing may be held if the response is considered significant or circumstances warrant such a hearing, as determined by the Commissioner. The petitioner's application and all communications relative to this application are available from the Division by request at dob.rao@mass.gov.
MARY L. GALLAGHER
Commissioner of Banks

Electronic Statement Access Alert:

Some members may experience limited access to their electronic statements. This is a temporary issue, and our team is actively working to resolve it. At this time: Only accounts associated with your surviving member number may appear on your statement. If your member number was previously changed, you may only see statements generated after that change. We apologize for any inconvenience and appreciate your patience as we work to resolve this issue.

Savings and Checking Rates

Effective 7/6/2026

Fee Schedule

Business Savings & Checking Accounts

Find a Branch
Account Dividend Rate APY* Minimum to Open Minimum to Earn APY
Business Savings 0.25% 0.25% $25 $25
Commercial Checking 0.10% 0.10% $100 $15

APY=Annual Percentage Yield.

Rates are variable and may change after the account is opened. Fees May reduce earnings on the account. Membership eligibility requirements must be met.

Business Money Market Account

Balance Dividend Rate APY* Minimum Balance to Earn APY
$0.01-$2,499.99 0.15% 0.15% $25
$2,500 - $4,999.99 0.50% 0.50% $2,500
$5,000 - $9,999.99 0.85% 0.85% $5,000
$10,000 - $24,999.99 1.00% 1.00% $10,000
$25,000-$49,999.99 1.14% 1.15% $25,000
$50,000 - $249,999.99 1.49% 1.50% $50,000
$250,000 and above 1.69% 1.70% $250,000

APY- Annual Percentage Yield.

Rates are variable and may change after the account is opened. Fees may reduce earnings on the account. Interest rate tier earned is based on daily balance of account. Minimum deposits required to open this account is $2,500. Membership eligibility requirements must be met.

CD Rates

Business Certificates of Deposit

Product Term Dividend Rate APY* Minimum Amount to Open Minimum to Earn APY
8 Month CD Special 8 months 3.97% 4.05% $500 $500
5 Month CD Special 5 months 3.97% 4.05% $500 $500
5 Year CD 5 years 2.81% 2.85% $500 $500
4 Year CD 4 Years 2.81% 2.85% $500 $500
3 Year CD 3 Years 2.81% 2.85% $500 $500
2.5 Year CD 2.5 years 2.81% 2.85% $500 $500
2 Year CD 2 years 3.05% 3.10% $500 $500
1.5 Year CD 18 months 3.20% 3.25% $500 $500
1 Year CD 12 months 3.97% 4.05% $500 $500
6 Month CD 6 months 3.44% 3.50% $500 $500
91 Day CD 91 Days 1.98% 2.00% $500 $500

*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, Membership eligibility requirements must be met.

SEP (Simplified Employee Pension) IRA Certificates

Product Term Dividend Rate APY* Minimum to Open Minimum to Earn APY
8 Month IRA CD Special 8 months 3.97% 4.05% $500 $500
5 Month IRA CD Special 5 Months 3.97% 4.05% $500 $500
5 Year IRA CD 5 Years 2.81% 2.85% $500 $500
4 Year IRA CD 4 Years 2.81% 2.85% $500 $500
3 Year IRA CD 3 Years 2.81% 2.85% $500 $500
2.5 Year IRA CD 2.5 Years 2.81% 2.85% $500 $500
2 Year IRA CD 2 Years 3.05% 3.10% $500 $500
1.5 Year IRA CD 1.5 Years 3.20% 3.25% $500 $500
1 Year IRA CD 12 Months 3.97% 4.05% $500 $500
6 Month IRA CD 6 Months 3.20% 3.25% $500 $500
91 Day IRA CD 91 Days 1.98% 2.00% $500 $500
Variable IRA 0.25% 0.25% $25 $25

*APY= Annual Percentage Yield

Minimum balance to open CD accounts and earn APY is $500. Minimum balance to open Variable IRA and earn APY is $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. Membership eligibility requirements must be met.

Business Tiered IRA Savings

Balance Dividend Rate APY* Minimum Balance to Earn APY
$0.01-$2,499.99 0.25% 0.25% $25
$2,500-$9,999.99 0.85% 0.85% $2,500
$10,000-$24,999.99 1.00% 1.00% $10,000
$25,000-$49,999.99 1.14% 1.15% $25,000
$50,000-$99,999.99 1.34% 1.35% $50,000
$100,000-$249,999.99 1.49% 1.50% $100,000
$250,000 and above 1.69% 1.70% $250,000

*Rates effective 05/14/2026

APY= Annual Percentage Yield

Rates are variable and may change after the account is opened. Fees may reduce earnings on the account. Interest rate tier earned is based on the daily balance of the account. IRA transactions are subject to IRA rules and regulations. Minimum deposits required to open this account is $2,500.  Membership eligibility requirements must be met.

Credit Card Rates

Business Credit Card Rates

Apply for a Credit Card
Account Type APR Range
Business Visa® Platinum *Prime Rate plus 6%

*Please see the Visa® Disclosure and Addendum for rate, fee and other cost information.​

This website uses cookies in order to offer you the most relevant information. Please "Accept & Continue" for optimal site performance. For more information, please visit our Privacy Policy page.