Align Credit Union

Rated star_ratedstar_ratedstar_ratedstar_rated_halfstar_normal by CUHub
Review based on 12 criteria Rating: 3.5 out of 5

PO Box 7008, Lowell, MA 01852

Website

(978) 452-9961

Data Source: NCUA, December 31, 2016


Align Credit Union was founded in 1922. Headquartered in Lowell, Massachusetts, Align Credit Union is a state chartered and federally insured credit union, being chartered in Massachusetts and insured through the National Credit Union Share Insurance Fund (NCUSIF). Align Credit Union is also a member of the Federal Home Loan Bank (FHLB) , which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, Align Credit Union services 27,656 members through its 7 offices and branches and 111 full-time and 12 part-time employees. It has $583,950,133 of total assets and $69,369,550 of net worth. Based on its asset size and net worth ratio, Align Credit Union is classified as a Well Capitalized large credit union.

Align Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. Align Credit Union also provides an array of services to its members and local communities. Align Credit Union plans to extend its services by adding more branches or service centers in the next 12 month. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of Align Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in Massachusetts and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of Massachusetts
Median of USA
Checking
0.0500
0.0000
0.0000
Savings
0.2500
0.1000
0.1200
Money Market
0.3500
0.2500
0.2500
Certificate Deplit
0.4500
0.6800
0.5800
IRA
0.4000
0.6000
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of Massachusetts
National Median Rates
Credit Cards
10.5000
10.4900
9.9900
Unsecured Line of Credits
15.5000
10.9900
10.9500
Short-term Small Amount
n/a
20.0000
25.0000
Student Loans
7.2500
6.2500
6.0200
New Car Loans
2.5000
2.7500
3.3300
Used Car Loans
2.5000
3.8250
4.5000
1st Mortgage Real Estates
3.7500
4.0000
4.2500
Other Real Estates
3.0000
3.9900
4.7000

Align Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by Align Credit Union.

Electronic Banking Service Offerings

Membership Application
Yes
Yes
Share Account Transfers
Yes
New Loan Application
Yes
Share Draft Orders
Yes
Yes
New Share Account
Yes
Bill Payment
Yes
No
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
No
No
View Account History
Yes
No

As a community financial institution, Align Credit Union actively involves in local communities by prliding services such as financial counseling , financial education, first tim home buyer programs, and student scholarships.

Community and other Service Offerings

Financial Counselling
Yes
Bilingual Services
No
Free Bill Pay
Yes
Financial Education
Yes
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
No
Student Scholarships
Yes
Insurance/Investment Sales
Yes
First Time Homebuyer Program
Yes
Amesbury
19 Haverhill Rd
Amesbury, MA 01913
Phone:800-942-9575

Corporate Office
Main Office

40 Market St
Lowell, MA 01852
Phone:978-452-9961

Cross Point Branch
900 Chelmsford St Tower 2 Unit 200-3
Lowell, MA 01851-8100
Phone:978-452-9961

Danvers Branch
110 Newbury St
Danvers, MA 01923
Phone:978-452-9961

Framingham Branch
969 Concord St
Framingham, MA 01701
Phone:978-452-9961

Hale Street Branch
87 Hale St
Lowell, MA 01851
Phone:978-452-9961

Haverhill Branch
20 Cushing Ave
Haverhill, MA 01830
Phone:800-942-9575

Holy Family Hospital
70 East St
Methuen, MA 01844-4597
Phone:978-452-9961

(978) 454-4706

share

No Review

  1. Cuhub Staff
    Cuhub Staff

    Last Updated on May 30, 2017

    May 30, 2017 at 10:27 pm

Related Listings