Notice:

Align Credit Union, Lowell, Massachusetts has petitioned the Massachusetts Division of Banks for permission to close two Branch Offices at:

 (1) 211G Lowell Street, Wilmington MA 01887

 (2) 70 East Street, Methuen MA 01844

Any objections or comments relative to these proposals must be communicated in writing to the Commissioner of Banks, Mary L. Gallagher, 1000 Washington Street, 10th Floor, Boston, Massachusetts 02118 or dob.comments@mass.gov no later than two weeks from December 13th, 2024.

Please contact Align Credit Union at (800)942-9575 for alternative locations to obtain service.

Closure Notice:

In observance of Christmas, all Align branches will be CLOSED on Tuesday, December 24th at 2PM and will reopen for regular business hours on Thursday, December 26th. Online, Mobile and Telephone Banking will be available during this time.

IRAs

Start saving for tomorrow, today. Individual Retirement Accounts (IRAs) can help you save for retirement, a future expense, and more. A safe and sensible way to grow your nest egg, you can create a strategy that's right for you with our different account options.

Traditional IRA

  • Earnings grow tax deferred
  • Ability to make deposits through payroll deduction and automatic transfers
  • Required minimum distribution begin at age 72

ROTH IRA

  • Must be employed to contribute to an IRA
  • No maximum age limit
  • Contributions are not tax deductible
  • Earnings grow tax deferred
  • Non required distributions

Tiered IRA Savings


  • Traditional or Roth options available
  • Earn more with tiered rates - the higher your balance, the higher your return
  • Allows regular deposits
  • No term limits
  • Low minimum opening balance of $2,500
  • Funds insured by NCUA and MSIC

Simplified Employee Pension (SEP) IRA

  • Established by an employer for employees to help save for retirement
  • Must be self-employed or work for someone who is
  • Contributions to a SEP IRA are made only by the employer and tax deductible for the employer only
  • Employer must make contributions for all eligible employees

IRA CDs

  • Low minimum opening deposit of $500
  • Available for both Traditional and Roth IRAs
  • Lock in a guaranteed rate for a fixed term
  • Funds are insured by NCUA and MSIC

Disclosure:

Fees may reduce earnings on accounts. Rates and Annual Percentage Yields (APYs) on transaction account may be subject to change without notice and may change after account opening. Early withdrawal penalties will be imposed on IRA accounts. Membership requirements apply.

IMPORTANT: Align Credit Union employees are not authorized to give advice regarding tax issues. If you need help in deciding what specific IRA options may best fit your needs, please talk to your tax advisor or financial planner.

Featured Rates

View More

5 Month IRA CD Special

4.73
% APY*

2 Year IRA CD

3.10
% APY*

5 Year IRA CD

2.85
% APY*

IRA Resources

Explore Additional Services

The Benefits of Membership

Align is a community credit union. We are committed to providing the right tools to help you reach your financial goals and deliver a customized banking experience perfectly in sync with you.

Join Now

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.