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.

Mortgages

Mortgages

Buying a home is one of the biggest decisions you can make. Whether you're in the market for your first home, trading up to a new one, or getting ready to downsize, we have a mortgage to match. 
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Mortgage Loan Options

Fixed Rate Mortgages

  • Various terms available
  • Easy to budget with predictable monthly payments
  • Consider a fixed rate mortgage when:
    • You don't plan to move for a number of years
    • You don't want to worry about rising interest rates
    • You expect your income to remain stable.
Apply Now

Adjustable Rate Mortgages

  • Various terms available
  • Fixed interest rate for the initial term and then adjusts according to an index
  • Saves money with lower starting rate than fixed-rate loans
  • Consider an adjustable rate mortgage when:
    • You plan to move or payoff your mortgage within 15 years
    • You want a lower monthly payment and are comfortable with a variable rate.
Apply Now

Mortgage Loan Programs

We have many loan programs to help make that dream home affordable:

  • Conventional Loans
  • Adjustable Rate Mortgages
  • Portfolio Loans
Apply Now

Information Regarding Mortgage Payment Relief

If you’re among those financially impacted by the coronavirus pandemic, you might be concerned about how to pay your mortgage or rent. Federal and state governments have announced plans to help struggling homeowners during this time. Learn about what to do now, and what your options are for mortgage and rental relief.

CARES Act Mortgage Forbearance: What You Need to Know

Guide to Coronavirus Mortgage Relief Options

Disclosure:
Membership eligibility requirements apply. Membership must be established prior to closing. Members must maintain a $5 deposit relationship.

 

Featured Rates

View Current Rates

30 Year Fixed

6.670
% APR**

5/1 ARM

6.748
% APR**

Home Equity Line of Credit

5.490
% APR*

Start Your Application

If you’re thinking about buying a home, now or down the road, speak with us first. We’ll look at your unique situation and build a customized plan.

Important Notice Before You Apply
Align Credit Union offers many products to suit your individual needs. This Pre-Application request will guide you through some of the important questions and information needed to process your loan. We’re here to assist you. You will need to create an account to start the process. You may save your Pre-Application at any time to either return and complete it, or to contact a Mortgage Originator for assistance. Please complete all of the information fields that are applicable to your situation. The information will be provided to your Align Credit Union Mortgage Originator, who will contact you to help you complete your Pre-Application request. To prepare, the following items will be helpful to have available:

  • Social Security numbers for each Borrower
  • Employment history and income amounts
  • Information on assets, liabilities and expenses

After completing the Pre-Application request, your Mortgage Originator will contact you to complete the process and explain all available loan programs and to discuss what works best for you. Please note this is not a credit application. Don’t hesitate to contact us with any questions during your Pre-Application request.


Please note: Membership eligibility requirements apply and membership must be established prior to closing.


Apply Now

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