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.

Homeownership Assistance

Equity Builder Program

Align Credit Union is proud to participate in the Equity Builder Program (EBP), funded by the Federal Home Loan Bank (FHLB). This grant provides income-eligible first-time homebuyers with up to $30,806 in assistance towards their down payment and closing costs, on a first-come, first-served basis. Homebuyer counseling and rehabilitation assistance is available to recipients. The funds do not need to be repaid, as long as you don't sell your home during the first five years of ownership. 

Eligibility:

  • Assists income-eligible first-time homebuyers with up to $30,806 in down-payment assistance and closing costs.
  • Available to households with income at or below 80% of HUD Area Median Income based on property location.
  • Purchase property must be an owner-occupied primary residence.
  • Recipients must complete homebuyer education/counseling program.

To learn more about the Equity Builder Program, please call our Residential Lending Department at (800) 942-9575 or email us at Originations@AlignCU.com.

 

Housing Our Workforce Program

The Housing Our Workforce (HOW) Program, funded by the Federal Home Loan Bank (FHLB), provides financial assistance to homebuyers earning more than 80% and up to 120% of the area median income. Eligible borrowers can receive 10% of the home sales price or up to $25,000 in assistance on a first-come, first-served basis. The funds do not need to be repaid, as long as you don't sell your home during the first five years of ownership.  

Eligibility:

  • Assists eligible homebuyers with 10% of the home sales price or up to $25,000 in down-payment assistance and closing costs.
  • Available to households earning more than 80% and up to 120% of HUD Median Income based on property location.
  • Purchase property must be an owner-occupied primary residence. 
  • Recipients who are first-time homebuyers must complete homebuyer education/counseling program.

To learn more about the Housing Our Workforce Program, please call our Residential Lending Department at (800) 942-9575 or email us at Originations@AlignCU.com. 

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