--- title: "Alden Credit Union Rates - Massachusetts" description: "Current mortgage, vehicle loan, heloc, personal loan, and savings & cd rates from Alden Credit Union in Massachusetts. Updated daily with source verification. See who can join Alden Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/massachusetts/alden" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Alden Credit Union Rates - Massachusetts ### Mortgage rates 11 offers | Product | Published | Rate | Term / condition | Status | | **5/1 ARM First Time Homebuyer (Initial Interest Rate)** 5 1 arm | — APR | 5.990% | — | Standard | | **5/5 ARM No Boundary PLUS** 5 5 arm | — APR | 5.990% | — | Standard | | **5/1 ARM First Time Homebuyer ****Contact Alden Credit Union for more information on our First Time Homebuyer Program** 5 1 arm | — APR | 6.500% | — | Standard | | **7/1 ARM** 7 1 arm | — APR | 6.750% | — | Standard | | **5/1 ARM First Time Homebuyer (APR)** 5 1 arm | — APR | 7.312% | — | Standard | | **Months 1-60** other | — APR | 5.990% | — | Standard | | **Initial Interest Rate** other | — APR | 6.750% | — | Standard | | **Initial Fixed Period** other | — APR | 7.211% | — | Standard | | **Mortgage Loan** other | — APR | 7.312% | — | Standard | | **Months 300*** other | — APR | 7.905% | — | Standard | | **Months 61-299*** other | — APR | 7.905% | — | Standard | Alden Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 9 offers | Product | Published | Rate | Term / condition | Status | | **Auto/Harley Davidson Loan Rates Rates effective as of October 19, 2026 (Up to 36 Months *)** auto_any_36mo | — APR | 5.490% | 36 mo | Standard | | **Auto/Harley Davidson Loan Rates Rates effective as of October 19, 2026 (48 Months *)** auto_any_48mo | — APR | 5.740% | 48 mo | Standard | | **Auto/Harley Davidson Loan Rates Rates effective as of October 19, 2026 (60 Months *)** auto_any_60mo | — APR | 6.240% | 60 mo | Standard | | **Auto/Harley Davidson Loan Rates Rates effective as of October 19, 2026 (66 Months *)** auto_any_66mo | — APR | 6.240% | 66 mo | Standard | | **Auto/Harley Davidson Loan Rates Rates effective as of October 19, 2026 (72 Months *)** auto_any_72mo | — APR | 7.240% | 72 mo | Standard | | **Auto/Harley Davidson Loan Rates Rates effective as of October 19, 2026 (84 Months *)** auto_any_84mo | — APR | 8.240% | 84 mo | Standard | | **Motorcycle Loan Rates Rates effective as of September 15, 2026 (60 Months)** motorcycle_any_60mo | — APR | 8.740% | 60 mo | Standard | | **24 Months - 60 Months** auto_any_60mo | — APR | 8.740% | 60 mo | Standard | | **Recreational Vehicle (RV) Loan Rates Rates effective as of September 15, 2026 (24 Months - 60 Months)** rv_any_24mo | — APR | 8.740% | 24 mo | Standard | Alden Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan Rates Rates effective as of October 19, 2026 (5 Year)** heloc_fixed | — APR | 6.490% | — | Standard | | **Home Equity Loan Rates Rates effective as of October 19, 2026 (10 Year)** heloc_fixed | — APR | 6.990% | — | Standard | | **Home Equity Loan Rates Rates effective as of October 19, 2026 (15 Year)** heloc_fixed | — APR | 7.240% | — | Standard | | **Home Equity Loan Rates Rates effective as of October 19, 2026 (20 Year)** heloc_fixed | — APR | 7.490% | — | Standard | Alden Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **24 Months - 48 Months (Personal Loan)** personal_unsecured_48mo | — APR | 12.740% | 48 mo | Standard | | **Transaction limitations: (Personal Loan)** personal_unsecured | — APR | 12.740% | — | Standard | | **Personal Loan Rates Rates effective as of June 3, 2021 (24 Months - 48 Months)** personal_unsecured_24mo | — APR | 12.740% | 24 mo | Context only | Alden Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 30 offers | Product | Published | Rate | Term / condition | Status | | **Statement Savings Account Rates Rates effective as of January 24, 2024 (Statement Savings)** savings | — APY | 0.05% | — | Context only | | **No Nonsense Checking Rates Rates effective as of June 3, 2021 (No Nonsense Business Plus Checking)** checking | — APY | 0.05% | — | Eligibility restricted | | **Statement Savings Account Rates Rates effective as of January 24, 2024 (IRA Savings)** ira | — APY | 0.05% | — | Context only | | **$1,000.00 - $4,999.99** savings | — APY | 0.10% | — | Context only | | **Money Market Rates Rates effective as of January 24, 2024 ($1,000.00 - $4,999.99)** money_market | — APY | 0.10% | — | Context only | | **Money Market Rates Rates effective as of January 24, 2024 ($5,000.00 - $19,999.99)** money_market | — APY | 0.15% | — | Context only | | **$5,000.00 - $19,999.99** savings | — APY | 0.15% | — | Context only | | **Money Market Rates Rates effective as of January 24, 2024 ($20,000.00 - $49,999.99)** money_market | — APY | 0.25% | — | Context only | | **$20,000.00 - $49,999.99** savings | — APY | 0.25% | — | Context only | | **Money Market Rates Rates effective as of January 24, 2024 ($50,000.00 - $99,999.99)** money_market | — APY | 0.35% | — | Context only | | **$50,000.00 - $99,999.99** savings | — APY | 0.35% | — | Context only | | **24 Months - 48 Months (Money Market)** money_market | — APY | 0.45% | 48 mo | Standard | | **IRA Rates Rates effective as of October 21, 2026 (6 Month Certificate)** ira_cd_6mo | — APY | 0.45% | 6 mo | Standard | | **Money Market Rates Rates effective as of January 24, 2024 ($100,000.00 and over)** money_market | — APY | 0.45% | — | Context only | | **Certificate of Deposit Rates Rates effective as of October 21, 2026 (6 Month Certificate)** cd_6mo | — APY | 0.45% | 6 mo | Standard | | **$100,000.00 And Over** savings | — APY | 0.45% | — | Context only | | **Transaction limitations: (Money Market)** money_market | — APY | 0.45% | — | Standard | | **Certificate of Deposit Rates Rates effective as of October 21, 2026 (18 Month Certificate)** cd_18mo | — APY | 0.65% | 18 mo | Standard | | **IRA Rates Rates effective as of October 21, 2026 (18 Month Certificate)** ira_cd_18mo | — APY | 0.65% | 18 mo | Standard | | **IRA Rates Rates effective as of October 21, 2026 (36 Month Certificate)** ira_cd_36mo | — APY | 0.80% | 36 mo | Standard | | **Certificate of Deposit Rates Rates effective as of October 21, 2026 (36 Month Certificate)** cd_36mo | — APY | 0.80% | 36 mo | Standard | | **IRA Rates Rates effective as of October 21, 2026 (1 Year Certificate)** ira_cd_12mo | — APY | 0.80% | 12 mo | Standard | | **Certificate of Deposit Rates Rates effective as of October 21, 2026 (1 Year Certificate)** cd_12mo | — APY | 0.80% | 12 mo | Standard | | **Certificate of Deposit Rates Rates effective as of October 21, 2026 (5 Year Certificate)** cd_60mo | — APY | 1.16% | 60 mo | Standard | | **IRA Rates Rates effective as of October 21, 2026 (5 Year Certificate)** ira_cd_60mo | — APY | 1.16% | 60 mo | Standard | | **IRA Rates Rates effective as of October 21, 2026 (5 Month Certificate SPECIAL)** ira_cd_5mo | — APY | 3.50% | 5 mo | Standard | | **Certificate of Deposit Rates Rates effective as of October 21, 2026 (5 Month Certificate SPECIAL)** cd_5mo | — APY | 3.50% | 5 mo | Standard | | **IRA Rates Rates effective as of October 21, 2026 (10 Month Certificate SPECIAL)** ira_cd_10mo | — APY | 3.90% | 10 mo | Standard | | **Certificate of Deposit Rates Rates effective as of October 21, 2026 (10 Month Certificate SPECIAL)** cd_10mo | — APY | 3.90% | 10 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 5.74% | 48 mo | Standard | Alden Credit Union savings & cd rates as of November 12, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Rate Adjustment Caps** other | — % | 2.000% | — | Standard | | **Margin / Index** other | — % | 2.875% | — | Standard | | **Today's Rates** other | — % | 6.240% | — | Standard | Alden Credit Union other rates as of November 12, 2026 Alden Credit Union is a credit union in Massachusetts. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/massachusetts/alden) , verified from [Alden Credit Union's official website](https://www.aldencu.com/) Loading branch locator… ## About Alden Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 12.8K Assets $187.9M Founded 1939 Locations reported 5 NCUA charter 67951 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Bilingual services - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Polish National** Chicopee Comprehensive High School · Chicopee · MA · 01020 About 1.4 miles away](https://rateapi.dev/credit-unions/massachusetts/polish-national) [**Brightbridge** Springfield - Industry Ave · Springfield · MA · 01104-3222 About 2.4 miles away](https://rateapi.dev/credit-unions/massachusetts/brightbridge) [**Pioneer Valley** Corporate Office · Springfield · MA · 01104 About 2.5 miles away](https://rateapi.dev/credit-unions/massachusetts/pioneer-valley) [**Freedom** CHICOPEE · CHICOPEE · MA · 01020 About 2.7 miles away](https://rateapi.dev/credit-unions/massachusetts/freedom) [**Massmutual** MassMutual FCU · Springfield · MA · 01111 About 3.8 miles away](https://rateapi.dev/credit-unions/massachusetts/massmutual) [**Umassfive College** Mercy Medical Center Branch · Springfield · MA · 01104-2377 About 4.3 miles away](https://rateapi.dev/credit-unions/massachusetts/umassfive-college) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Alden Credit Union Membership eligibility from Alden Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Alden Credit Union's website. Check the membership page below to confirm whether you qualify. - Location hampden, hampshire — MA Verified from [Alden Credit Union's membership page](https://www.aldencu.com/about/) . Final membership determination is always made by the credit union. ## Membership rules for Alden Credit Union Geography 2 counties · Family 2 23 published paths to membership, last verified August 27, 2026, quoted from Alden Credit Union’s own published criteria. ### Geography 7 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - East Brookfield, MA - Hampden County, MA - Hampshire County, MA - Leicester, MA - North Brookfield, MA - Spencer, MA - Worcester, MA “Membership is open to all who live, work or attend school in Hampden County, Hampshire County and the municipalities of North and East Brookfield, Leicester, Spencer and Worcester Massachusetts” > [source ↗](https://www.aldencu.com/about/) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “or have a family member that is a current member.” > [source ↗](https://www.aldencu.com/about/) - Family member of a member - Family of a member family “Membership is open to all who live, work or attend school in Hampden County, Hampshire County and the municipalities of North and East Brookfield, Leicester, Spencer and Worcester Massachusetts, or have a family member that is a current member.” > [source ↗](https://www.aldencu.com/about/) - Family member (family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Alden Credit Union? Yes No ## Work at Alden Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Alden Credit Union ranks against Massachusetts peers. - See which AI assistants fetched Alden Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Massachusetts - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=alden&state=massachusetts&code=MA&name=Alden%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Alden Credit Union offer? Alden Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Alden Credit Union rates updated? RateAPI verifies Alden Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Alden Credit Union's rate data? Rate data is collected directly from Alden Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Alden Credit Union? Alden Credit Union publishes its membership criteria on its own website. RateAPI tracks 23 published membership paths covering 2 counties for Alden Credit Union, each quoted from Alden Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Alden Credit Union's rates against national credit-union benchmarks. [More Massachusetts credit unions](https://rateapi.dev/credit-unions/massachusetts) [Massachusetts mortgage rate leaders](https://rateapi.dev/mortgage-rates/massachusetts) [Massachusetts auto loan rate leaders](https://rateapi.dev/auto-loan-rates/massachusetts) [Massachusetts HELOC rate leaders](https://rateapi.dev/heloc-rates/massachusetts) [Massachusetts personal loan leaders](https://rateapi.dev/personal-loan-rates/massachusetts) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.aldencu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Alden Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Massachusetts credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Alden Credit Union curl "https://api.rateapi.dev/credit-unions/massachusetts /alden " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Alden Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/massachusetts/alden Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp