What are the current interest rates at Align Credit Union?

Current rates for Align Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 4.10%, 24-Month CD: 3.10%, 60-Month CD: 2.85%, Savings: 1.70%, MMA: 1.70%

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Align Credit Union

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Align Credit Union Rates & Review October 2026

Q: How many branches does Align Credit Union operate?

Align Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Align Credit Union?

Yes, to access services at Align Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Align Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Align Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Align Credit Union's top rates as of October 13, 2026 are 4.10% APY on its 1.5 Years 1.5 Year CD, 1.70% APY on savings, 1.70% APY on money market accounts, 0.10% APY on checking, 5.62% on its 3/1 Adjustable Rate Mortgage, personal loans from 9.24% APR, and credit cards from 11.75% APR, according to rates verified by MonitorBankRates. Other Align Credit Union CD rates include 1.5 Year CD at 4.10%, 1.5 Years 1.5 Year IRA CD at 4.10%, and 1.5 Year IRA CD at 4.10%. Other Align Credit Union mortgage rates include 7/1 Adjustable Rate Mortgage at 6.00%, 5/1 Adjustable Rate Mortgage at 5.88%, and Fixed Mortgage - 15 Year Fixed at 6.75%. MonitorBankRates evaluates the financial stability of Align Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.06%. Rates last updated and verified on 10/13/2026.

Align Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Align Credit Union? Share your experience about Align Credit Union by leaving a review below, or read customer reviews before you decide to use Align Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.06%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Align Credit Union
Corporate Office

87 Hale St
Lowell, MA 01851

https://www.aligncu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Align Credit Union CD Rates

Product	Rate	APY	Term
1.5 Years 1.5 Year CD	4.02%	4.10%	1.5 Years
Min Deposit $500 Min Balance $500 Details Rates on certificates of deposit are guaranteed for the length of the term Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
1.5 Year CD	-	4.10%	1.5 Year
Min Balance $500 Details APY as high as*; Featured rate; Member must maintain minimum daily balance of $500 to obtain APY Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
1.5 Years 1.5 Year IRA CD	4.02%	4.10%	1.5 Years
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
1.5 Year IRA CD	-	4.10%	1.5 Year
Min Deposit $500 Details Featured Rates; IRA CD; Available for Traditional and Roth IRAs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
12 month 1 Year CD	3.97%	4.05%	12 Months
Min Deposit $500 Min Balance $500 Details Rates on certificates of deposit are guaranteed for the length of the term Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
12 month 1 Year IRA CD	3.97%	4.05%	12 Months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
1 Year IRA CD	-	4.05%	1 Year
Min Deposit $500 Details Featured Rates; IRA CD; Available for Traditional and Roth IRAs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
6 Month CD	3.68%	3.75%	6 Months
Min Deposit $500 Min Balance $500 Details Rates on certificates of deposit are guaranteed for the length of the term Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
6 Month CD	-	3.75%	6 Month
Min Balance $500 Details APY as high as*; Featured rate; Member must maintain minimum daily balance of $500 to obtain APY Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
6 Month IRA CD	3.68%	3.75%	6 Months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
6 Month IRA CD	-	3.75%	6 Month
Min Deposit $500 Details Featured Rates; IRA CD; Available for Traditional and Roth IRAs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
12 Month Starter CD	3.44%	3.50%	12 Months
Min Deposit $100 Min Balance $100 Details Starter CD: 2 additional deposits with a minimum of $100 available to members 5-17 years old; Rates on certificates of deposit are guaranteed for the length of the term Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
2 Year CD	3.05%	3.10%	2 years
Min Deposit $500 Min Balance $500 Details Available to open online; Rates on certificates of deposit are guaranteed for the length of the term Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
2 Year IRA CD	3.05%	3.10%	2 Years
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
2.5 Years 2.5 Year CD	2.81%	2.85%	2.5 Years
Min Deposit $500 Min Balance $500 Details Rates on certificates of deposit are guaranteed for the length of the term Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
2.5 Years 2.5 Year IRA CD	2.81%	2.85%	2.5 Years
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
3 Year CD	2.81%	2.85%	3 Years
Min Deposit $500 Min Balance $500 Details Rates on certificates of deposit are guaranteed for the length of the term Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
3 Year IRA CD	2.81%	2.85%	3 Years
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
4 Year CD	2.81%	2.85%	4 Years
Min Deposit $500 Min Balance $500 Details Rates on certificates of deposit are guaranteed for the length of the term Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
4 Year IRA CD	2.81%	2.85%	4 Years
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
5 Year CD	2.81%	2.85%	5 years
Min Deposit $500 Min Balance $500 Details Available to open online; Rates on certificates of deposit are guaranteed for the length of the term Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
5 Year IRA CD	2.81%	2.85%	5 Years
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
91 Day CD	1.98%	2.00%	91 Days
Min Deposit $500 Min Balance $500 Details Rates on certificates of deposit are guaranteed for the length of the term Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
91 Day IRA CD	1.98%	2.00%	91 Days
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Business CD Rates

Product	Rate	APY	Term
18 month Business Certificates of Deposit - 1.5 Year CD	4.02%	4.10%	18 months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
1.5 Years Business SEP 1.5 Year IRA CD	4.02%	4.10%	1.5 Years
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificates Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
12 month Business Certificates of Deposit - 1 Year CD	3.97%	4.05%	12 months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
12 month Business SEP (Simplified Employee Pension) IRA Certificates - 1 Year IRA CD	3.97%	4.05%	12 Months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
12 month Business SEP 1 Year IRA CD	3.97%	4.05%	12 Months
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificates Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Certificates of Deposit - 6 Month CD	3.68%	3.75%	6 months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business SEP 6 Month IRA CD	3.68%	3.75%	6 Months
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificates Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Certificates of Deposit - 2 Year CD	3.05%	3.10%	2 years
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business SEP (Simplified Employee Pension) IRA Certificates - 2 Year IRA CD	3.05%	3.10%	2 Years
Min Deposit $500 Min Balance $500 Details SEP IRA certificate; Dividend Rate 3.05% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business SEP 2 Year IRA CD	3.05%	3.10%	2 Years
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificates Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business 5 Year IRA CD - SEP (Simplified Employee Pension) IRA Certificates	2.81%	2.85%	5 Years
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificate; Minimum to Earn APY: $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Certificates of Deposit - 2.5 Year CD	2.81%	2.85%	2.5 years
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Certificates of Deposit - 3 Year CD	2.81%	2.85%	3 Years
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Certificates of Deposit - 4 Year CD	2.81%	2.85%	4 Years
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Certificates of Deposit - 5 Year CD	2.81%	2.85%	5 years
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
2.5 Years Business SEP (Simplified Employee Pension) IRA Certificates - 2.5 Year IRA CD	2.81%	2.85%	2.5 Years
Min Deposit $500 Min Balance $500 Details SEP IRA certificate Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
2.5 Years Business SEP 2.5 Year IRA CD	2.81%	2.85%	2.5 Years
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificates Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business SEP 3 Year IRA CD	2.81%	2.85%	3 Years
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificates Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business SEP 4 Year IRA CD	2.81%	2.85%	4 Years
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificates Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business SEP 5 Year IRA CD	2.81%	2.85%	5 Years
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificates Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Certificates of Deposit - 91 Day CD	1.98%	2.00%	91 Days
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business SEP (Simplified Employee Pension) IRA Certificates - 91 Day IRA CD	1.98%	2.00%	91 Days
Min Deposit $500 Min Balance $500 Details Rates guaranteed for the length of the term; early withdrawal penalty may apply Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business SEP 91 Day IRA CD	1.98%	2.00%	91 Days
Min Deposit $500 Min Balance $500 Details SEP (Simplified Employee Pension) IRA Certificates Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Savings Rates

Product	Rate	APY
Tiered IRA Savings	1.69%	1.70%
Min Balance $250,000 Details Balance: $250,000 and above Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Tiered IRA Savings	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Tiered IRA Savings	1.34%	1.35%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Tiered IRA Savings	1.14%	1.15%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Tiered IRA Savings	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Tiered IRA Savings	0.85%	0.85%
Min Balance $2,500 Details Balance: $2,500-$9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
18/65 Savings	-	0.25%
Min Deposit $5 Min Balance $5 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Membership Savings	-	0.25%
Min Deposit $5 Min Balance $5 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
MyGoal Savings	0.25%	0.25%
Min Deposit $1 Min Balance $25 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Tiered IRA Savings	0.25%	0.25%
Min Balance $25 Details Balance: $0.01-$2,499.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Variable IRA Savings	0.25%	0.25%
Min Deposit $25 Min Balance $25 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Holiday Club	-	0.10%
Min Deposit $1 Min Balance $25 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Business Savings Rates

Product	Rate	APY
Business Tiered IRA Savings	1.69%	1.70%
Min Balance $250,000 Details Balance: $250,000 and above; Minimum Balance to Earn APY: $250,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Tiered IRA Savings	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000-$249,999.99; Minimum Balance to Earn APY: $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Tiered IRA Savings	1.34%	1.35%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Rates effective 8/31/2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Tiered IRA Savings	1.14%	1.15%
Min Balance $25,000 Details Balance: $25,000-$49,999.99; Minimum Balance to Earn APY: $25,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Tiered IRA Savings	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000-$24,999.99; Minimum Balance to Earn APY: $10,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Tiered IRA Savings	0.85%	0.85%
Min Balance $2,500 Details Balance: $2,500-$9,999.99; Minimum Balance to Earn APY: $2,500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Savings	0.25%	0.25%
Min Deposit $25 Min Balance $25 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Tiered IRA Savings	0.25%	0.25%
Min Balance $25 Details Balance: $0.01-$2,499.99; Minimum Balance to Earn APY: $25 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.69%	1.70%
Min Balance $250,000 Details Balance: $250,000 and above Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
18/65 Money Market Account	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Money Market Account	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
18/65 Money Market Account	1.34%	1.35%
Min Balance $50,000 Details Minimum Balance to Earn APY: $50,000; Dividend tier earned based on daily balance; APY effective as of 10/13/2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Money Market Account	1.34%	1.35%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Money Market Account	1.14%	1.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Money Market Account	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Money Market Account	0.85%	0.85%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Money Market Account	0.25%	0.25%
Min Balance $25 Details Balance: $0.01-$2,499.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Account	1.69%	1.70%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 and above; Interest rate tier earned is based on daily balance of account Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Money Market Account	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Money Market Account	1.14%	1.15%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; Interest rate tier earned is based on daily balance of account. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Money Market Account	1.00%	1.00%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Minimum deposits required to open this account is $2,500. Membership eligibility requirements must be met. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Money Market Account	0.85%	0.85%
Min Deposit $2,500 Min Balance $5,000 Details Balance: $5,000 - $9,999.99; Dividend rate 0.85%; Rates are variable and may change after the account is opened; Membership eligibility requirements must be met Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Money Market Account	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Business Money Market Account	0.15%	0.15%
Min Balance $25 Details Balance: $0.01-$2,499.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Checking Rates

Product	Rate	APY
Benefit Checking	-	0.10%
Min Deposit $1 Min Balance $0 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Student Checking	-	0.10%
Min Deposit $0 Min Balance $0 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Business Checking Rates

Product	Rate	APY	View More
Commercial Checking	0.10%	0.10%
Min Deposit $100 Min Balance $15 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
7/1 Adjustable Rate Mortgage	6.00%	0%	6.718%	360 months
Details Rate Caps: 2%/2%/5%; Fully Indexed Rate: 7.020; Range of Monthly Payments per $10,000: Years 1-7 $59.96, Years 8 $54.70-$71.10, Years 9 $54.70-$82.80, Years 10-30 $54.70-$88.70 Last Updated 10/13/2026 Rate History 3 changes since Sep 18, 2026 · 6.47% → 6.72% ▲ 0.25 pts · high 6.72% / low 6.47% Oct 1, 20266.72%▲ from 6.66% Sep 24, 20266.66%▲ from 6.60% Sep 22, 20266.60%▲ from 6.47% Sep 18, 20266.47%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
5/1 Adjustable Rate Mortgage	5.875%	0%	6.787%	360 months
Details Rate Caps: 2%/2%/5%; Fully Indexed Rate: 7.020; Range of Monthly Payments per $10,000: Year 1-5 $59.15, Year 6 $54.30-$70.90, Year 7 $54.30-$83.30, Year 8- 30 $54.30-$89.60 Last Updated 10/13/2026 Rate History 3 changes since Sep 18, 2026 · 6.49% → 6.79% ▲ 0.30 pts · high 6.79% / low 6.49% Oct 1, 20266.79%▲ from 6.71% Sep 24, 20266.71%▲ from 6.59% Sep 22, 20266.59%▲ from 6.49% Sep 18, 20266.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
3/1 Adjustable Rate Mortgage	5.625%	0%	6.881%	360 months
Details Rate Caps: 2%/2%/5%; Fully Indexed Rate: 7.020; Range of Monthly Payments per $10,000: Year 1-3 $57.57, Year 4 $53.90-$69.90, Year 5 $53.90-$82.80, Year 6-30 $53.90-$89.40 Last Updated 10/13/2026 Rate History 3 changes since Sep 18, 2026 · 6.60% → 6.88% ▲ 0.28 pts · high 6.88% / low 6.60% Oct 1, 20266.88%▲ from 6.79% Sep 24, 20266.79%▲ from 6.66% Sep 22, 20266.66%▲ from 6.60% Sep 18, 20266.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Fixed Mortgage - 15 Year Fixed	6.75%	0	7.16%	15 years
Details Mortgage Loans - Conforming Limits Effective 10/13/2026; Rates assume 60% LTV, single family purchase, FICO over 740 Last Updated 10/13/2026 Rate History No change since Sep 24, 2026 · 7.16% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Jumbo 30 Loan	7.125%	0	7.177%
Details Fixed Jumbo mortgage; APR shown as 7.177% APR*; rates assume 60% loan-to-value, purchase of a single-family residence, and FICO over 740; loan-to-value over 80% requires private mortgage insurance Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.93% → 7.18% ▲ 0.25 pts · high 7.18% / low 6.93% Oct 13, 20267.18%▲ from 7.05%* Sep 22, 20267.05%▲ from 6.93% Sep 14, 20266.93%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Fixed Mortgage - 30 Year Fixed	7.00%	0	7.256%	30 years
Details Mortgage Loans - Conforming Limits Effective 10/13/2026; Rates assume 60% LTV, single family purchase, FICO over 740 Last Updated 10/13/2026 Rate History 2 changes since Sep 24, 2026 · 7.38% → 7.26% ▼ 0.13 pts · high 7.64% / low 7.26% Oct 9, 20267.26%▼ from 7.64% Oct 1, 20267.64%▲ from 7.38% Sep 24, 20267.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Fixed Mortgage - 10 Year Fixed	6.75%	0	7.326%	10 years
Details Mortgage Loans - Conforming Limits Effective 10/13/2026; Rates assume 60% LTV, single family purchase, FICO over 740 Last Updated 10/13/2026 Rate History No change since Sep 24, 2026 · 7.33% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Fixed Mortgage - 20 Year Fixed	7.00%	0	7.334%	20 years
Details Mortgage Loans - Conforming Limits Effective 10/13/2026; Rates assume 60% LTV, single family purchase, FICO over 740 Last Updated 10/13/2026 Rate History 3 changes since Sep 24, 2026 · 7.33% → 7.33% ▼ 0.00 pts · high 7.59% / low 7.33% Oct 9, 20267.33%▼ from 7.46% Oct 2, 20267.46%▼ from 7.59% Oct 1, 20267.59%▲ from 7.33% Sep 24, 20267.33%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit - Current Rate	-	-	6.00%
Details Current Rate without Introductory Offer; Prime - 1.00% adjusting monthly after introductory rate; Membership requires $5 deposit relationship; Early Termination Fee within first 24 months; Maximum APR 18%; Floor rate 5.00% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Home Equity Loan - Fixed 5 Year (60 months)	7.00%	-	7.477%	60 months
Details Minimum loan amount $10,000; maximum $400,000; Must be a junior lien position; Property insurance required; Membership requirement: account must be established prior to loan closing Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.71% → 7.48% ▲ 0.77 pts · high 7.48% / low 6.71% Oct 1, 20267.48%▲ from 6.71% Sep 14, 20266.71%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Home Equity Loan - Fixed 10 Year (120 months)	7.25%	-	7.509%	120 months
Details Minimum loan amount $10,000; maximum $400,000; Must be a junior lien position; Property insurance required; Membership requirement: account must be established prior to loan closing Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.51% ▲ 0.51 pts · high 7.51% / low 7.00% Oct 1, 20267.51%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Home Equity Loan - Fixed 15 Year (180 months)	7.50%	-	7.689%	180 months
Details Minimum loan amount $10,000; maximum $400,000; Must be a junior lien position; Property insurance required; Membership requirement: account must be established prior to loan closing Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.18% → 7.69% ▲ 0.51 pts · high 7.69% / low 7.18% Oct 1, 20267.69%▲ from 7.18% Sep 14, 20267.18%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Home Equity Loan - Fixed 20 Year (240 months)	7.75%	-	7.905%	240 months
Details Minimum loan amount $10,000; maximum $400,000; Must be a junior lien position; Property insurance required; Membership requirement: account must be established prior to loan closing Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.40% → 7.91% ▲ 0.50 pts · high 7.91% / low 7.40% Oct 1, 20267.91%▲ from 7.40% Sep 14, 20267.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	4.99%	36 months
Details As Low As; Vehicle type not shown in this table; Rate posted is for a 740+ FICO credit score and 36 months term; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Auto Loans	-	-	4.99%	48 months
Details As Low As; Auto loan APR for 48 months; Vehicle types on page at this rate: New/Used Auto (Model Years 2024-2026), Used Auto (Model Years < 2024); Rate posted for 740+ FICO credit score; Maximum vehicle age 10 years Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Auto Loans	-	-	4.99%	60 months
Details As Low As; APR*: rate posted is for a 740+ FICO credit score; Monthly payment (per $1,000): $18.87; APR may vary based on personal credit history; Maximum vehicle age 10 years Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
New/Used Auto (Model Years 2024-2026)	-	-	4.99%	36 months
Details As Low As; Rate posted for 740+ FICO credit score and 36 months term; Maximum vehicle age 10 years; Membership required; Members must maintain a $5 deposit relationship Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
New/Used Auto (Model Years 2024-2026)	-	-	4.99%	48 months
Details As Low As; Maximum vehicle age 10 years; Membership required; Members must maintain a $5 deposit relationship Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
New/Used Auto (Model Years 2024-2026)	-	-	4.99%	60 months
Details As Low As; Maximum vehicle age 10 years; Membership required; Members must maintain a $5 deposit relationship Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Used Auto (Model Years < 2024)	-	-	4.99%	36 months
Details As Low As; Maximum vehicle age 10 years; Membership required; Members must maintain a $5 deposit relationship Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Used Auto (Model Years < 2024)	-	-	4.99%	48 months
Details As Low As; Maximum vehicle age 10 years; Membership required; Members must maintain a $5 deposit relationship Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Used Auto (Model Years < 2024)	-	-	4.99%	60 months
Details As Low As; Maximum vehicle age 10 years; Membership required; Members must maintain a $5 deposit relationship Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
New/Used Auto (Model Years 2024-2026)	-	-	5.49%	72 months
Details As Low As; Maximum vehicle age 10 years; Membership required; Members must maintain a $5 deposit relationship Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Used Auto (Model Years 2021-2023)	-	-	5.49%	72 months
Details As Low As; Maximum vehicle age 10 years; Membership required; Members must maintain a $5 deposit relationship Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
New/Used Auto (Model Years 2022-2026)	-	-	6.99%	84 months
Details As Low As; Maximum vehicle age 10 years; Membership required; Members must maintain a $5 deposit relationship Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans - New Motorcycle 2025-2026	-	6.50%	66 months
Details As Low As; Motorcycle Year: New Motorcycle 2025-2026; APR may vary based on personal credit history; Up to 100% financing based on NADA Retail value and credit score Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Motorcycle Loans - Used Motorcycle 2021-2026	-	6.50%	66 months
Details As Low As; Motorcycle Year: Used Motorcycle 2021-2026; APR may vary based on personal credit history; Up to 100% financing based on NADA Retail value and credit score Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
New RV Loan	-	8.25%	5 Years
Details As Low As; Model Years 2024-2026; Maximum amount is 100% of NADA Book Value or Sticker Price Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Recreational Vehicle Loans - New RV (Model Years 2024-2026)	-	8.25%	5 Years
Details As Low As; Model Years 2024-2026; Maximum amount is 100% of NADA Book Value or Sticker Price Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Recreational Vehicle Loans - Used RV	-	8.50%	5 Years
Details As Low As; Used RV (Model Years < 2024); Maximum amount is 100% of NADA Book Value Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Used RV Loan	-	8.50%	5 Years
Details As Low As; Model Years < 2024; Maximum amount is 100% of NADA Book Value Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
New RV Loan	-	9.25%	10 Years
Details As Low As; Model Years 2024-2026; Maximum amount is 100% of NADA Book Value or Sticker Price Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Recreational Vehicle Loans - New RV (Model Years 2024-2026)	-	9.25%	10 Years
Details As Low As; Model Years 2024-2026; Maximum amount is 100% of NADA Book Value or Sticker Price Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Recreational Vehicle Loans - Used RV (Model Years < 2024)	-	9.50%	10 Years
Details As Low As; Monthly Payment (per $1,000): $12.94; Maximum amount is 100% of NADA Book Value; Credit Union membership is required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Used RV Loan	-	9.50%	10 Years
Details As Low As; Model Years < 2024; Maximum amount is 100% of NADA Book Value Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum Credit Card	-	11.75%
Details Published APR range: 11.75% to 16.75%. Maximum Amount: $20,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	9.24%	36 Month
Details Maximum Amount: $25,000; 9.24% APR is for a 700+ FICO Score and 36-month term; Members must maintain a $5 deposit relationship Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.75% → 9.24% ▲ 0.49 pts · high 9.24% / low 8.75% Oct 1, 20269.24%▲ from 8.75% Sep 14, 20268.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Personal Loan	10.24%	54 Month
Details Maximum Amount: $25,000; 10.24% APR is for a 700+ FICO Score and 54-month term; Members must maintain a $5 deposit relationship Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.75% → 10.24% ▲ 0.49 pts · high 10.24% / low 9.75% Oct 1, 202610.24%▲ from 9.75% Sep 14, 20269.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Align Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Business SEP Variable IRA	0.25%	-	0.25%
Min Deposit $25 Min Balance $25 Details SEP (Simplified Employee Pension) IRA Certificates Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Align Credit Union’s Texas Ratio rose from 2.13% in Q3 2023 to 10.06% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$651M	10.06%	5.0	A
March 31, 2026	$642M	11.01%	5.0	A
December 31, 2025	$647M	12.32%	5.0	A
September 30, 2025	$647M	10.60%	5.0	A
June 30, 2025	$652M	4.60%	5.0	A+
March 31, 2025	$658M	3.49%	5.0	A+
December 31, 2024	$668M	5.29%	5.0	A+
September 30, 2024	$679M	3.82%	5.0	A+
June 30, 2024	$682M	4.33%	5.0	A+
March 31, 2024	$696M	3.68%	5.0	A+
December 31, 2023	$707M	3.92%	5.0	A+
September 30, 2023	$694M	2.13%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Align Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Align Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Align Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Align Credit Union

Website https://www.aligncu.com

Address 87 Hale St, Lowell, MA 01851

Phone 800-942-9575

Fax 978-458-7838

President David Morris

CEO Lydia Vazquez

Full-Time Employees 94

Part-Time Employees 17

Branch Locations 6

ATM Locations 8

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.06%

Return on Assets (ROA)

-0.2262%

Return on Equity (ROE)

-2.6084%

Non-Performing Loans Ratio (NPL)

1.46%

Total Assets

650,940,741

Total Amount of Shares and Deposits

556,781,208

Total Shares and Deposits < 1 Year

545,531,330

Total Shares and Deposits 1 3 Years

7,574,358

Total Shares and Deposits > 3 Years

3,675,520

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

55,787,650

Total Uninsured Shares and Deposits > $250K (F+J)

55,822,148

Total Insured Shares and Deposits > $250K (item 17 less item K)

500,959,060

Total Interest Expense (Sum of items 6 8)

4,809,949

Share Certificates

2,762

Number of Accounts for Share Drafts

19,489

IRA KEOGH Accounts

1,592

Number of Accounts for Regular Shares

34,704

All other shares

Non Member Deposits

Money Market Shares

1,307

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

12,282,544

Total Liabilities

614,631,089

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Align Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Align Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Align Credit Union

How many branches does Align Credit Union operate?

Align Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Align Credit Union?

Yes, to access services at Align Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Align Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Align Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Align Credit Union offer online and mobile banking?

Most modern institutions like Align Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.aligncu.com.

Current Align Credit Union Rates

12-Month CD3.50%
18-Month CD4.10%
24-Month CD3.10%
60-Month CD2.85%
Savings1.70%
MMA1.70%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Align Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

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Align Credit Union Business Money Market Rates

Align Credit Union Checking Rates

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Financial Health History

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Frequently Asked Questions About Align Credit Union

How many branches does Align Credit Union operate?

Is a member application needed to join Align Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Align Credit Union offer online and mobile banking?

Current Align Credit Union Rates

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