--- title: "Align Credit Union Rates: HELOC 6.00%, CDs to 4.50%, Vehicle 4.99%" description: "Align Credit Union rates today: vehicle loans from 4.99% APR, HELOC from 6.00% APR, savings & CDs up to 4.50% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Align Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/massachusetts/align" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Align Credit Union Rates: HELOC 6.00%, CDs to 4.50%, Vehicle 4.99% ### Mortgage rates 9 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 6.875% | — | Standard | | **30-Year Fixed** 30 year fixed | — APR | 7.129% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.750% | — | Standard | | **Years 1-7 $59.96 Years 8 $54.70-$71.10 Years 9 $54.70-$82.80 Years 10-30 $54.70-$88.70** 7 1 arm | — APR | 6.000% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 6.750% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 6.875% | — | Standard | | **Year 1-3 $57.57 Year 4 $53.90-$69.90 Year 5 $53.90-$82.80 Year 6-30 $53.90-$89.40** other | — APR | 5.625% | — | Standard | | **Year 1-5 $59.15 Year 6 $54.30-$70.90 Year 7 $54.30-$83.30 Year 8- 30 $54.30-$89.60** other | — APR | 5.875% | — | Standard | | **Jumbo 30** other | — APR | 7.125% | — | Standard | Align Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 15 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 4.990% | — | Standard | | **New/Used Auto (Model Years 2024-2026)** auto_any_36mo | — APR | 4.990% | 36 mo · any | Standard | | **36-Month Auto Loan** auto_any_36mo | 4.990% APR | 4.990% | 36 mo | Standard | | **60-Month Auto Loan** auto_any_60mo | — APR | 4.990% | 60 mo | Standard | | **36-Month Used Auto Loan (2024)** auto_used_36mo | — APR | 4.990% | 36 mo · used | Standard | | **New/Used Auto (Model Years 2024-2026)** auto_any_72mo | — APR | 5.490% | 72 mo · any | Standard | | **72-Month Used Auto Loan (2021–2023)** auto_used_72mo | — APR | 5.490% | 72 mo · used | Standard | | **66-Month Used Motorcycle Loan (2021–2026)** motorcycle_used_66mo | — APR | 6.500% | 66 mo · used | Standard | | **66-Month Motorcycle Loan** motorcycle_any_66mo | — APR | 6.500% | 66 mo | Standard | | **66-Month New Motorcycle Loan (2025–2026)** motorcycle_new_66mo | — APR | 6.500% | 66 mo · new | Standard | | **New/Used Auto (Model Years 2022-2026)** auto_any_84mo | — APR | 6.990% | 84 mo · any | Standard | | **60-Month New RV Loan (2024–2026)** rv_new_60mo | — APR | 8.250% | 60 mo · new | Standard | | **60-Month Used RV Loan (2024)** rv_used_60mo | — APR | 8.500% | 60 mo · used | Standard | | **120-Month New RV Loan (2024–2026)** rv_new_120mo | — APR | 9.250% | 120 mo · new | Standard | | **120-Month Used RV Loan (2024)** rv_used_120mo | — APR | 9.500% | 120 mo · used | Standard | Align Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 6 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 5.240% | — | Standard | | **HELOC (Variable)** heloc_variable | 6.000% APR | 5.240% | — | Standard | | **5-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.477% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.509% | — | Standard | | **15-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.689% | — | Standard | | **20-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.905% | — | Standard | Align Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Holiday Loan Special 2** personal_unsecured_12mo | — APR | 7.770% | 12 mo | Standard | | **Personal Loan 1** personal_unsecured_36mo | — APR | 9.240% | 36 mo | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.240% | — | Standard | | **Personal Loan 1** personal_unsecured_54mo | — APR | 10.240% | 54 mo | Standard | | **Personal Line of Credit** ploc_variable | — APR | 12.000% | — | Standard | Align Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 43 offers | Product | Published | Rate | Term / condition | Status | | **Student Checking** checking | — APY | 0.10% | — | Eligibility restricted | | **Holiday Club** savings | — APY | 0.10% | — | Specialty offer | | **Tiered IRA Savings ($0.01-$2,499.99)** ira | — APY | 0.25% | — | Standard | | **$0.01-$2,499.99** savings | — APY | 0.25% | — | Standard | | **Membership Savings** savings | — APY | 0.25% | — | Standard | | **Variable IRA Savings** ira | 0.25% APY | 0.25% | — | Standard | | **18/65 Money Market Account ($0.01-$2,499.99)** money_market | — APY | 0.25% | — | Standard | | **18/65 Money Market Account ($2,500-$9,999.99)** money_market | — APY | 0.85% | — | Standard | | **Tiered IRA Savings ($2,500-$9,999.99)** ira | — APY | 0.85% | — | Standard | | **$2,500 - $9,999.99** savings | — APY | 0.85% | — | Standard | | **$10,000 - $24,999.99** savings | — APY | 1.00% | — | Standard | | **18/65 Money Market Account ($10,000-$24,999.99)** money_market | — APY | 1.00% | — | Standard | | **Tiered IRA Savings ($10,000-$24,999.99)** ira | — APY | 1.00% | — | Standard | | **$25,000 - $49,999.99** savings | — APY | 1.14% | — | Standard | | **18/65 Money Market Account ($25,000-$49,999.99)** money_market | — APY | 1.14% | — | Standard | | **Tiered IRA Savings ($25,000-$49,999.99)** ira | — APY | 1.14% | — | Standard | | **Tiered IRA Savings ($50,000-$99,999.99)** ira | — APY | 1.34% | — | Standard | | **$50,000 - $99,999.99** savings | — APY | 1.34% | — | Standard | | **18/65 Money Market Account ($50,000-$99,999,.99)** money_market | — APY | 1.34% | — | Standard | | **Tiered IRA Savings ($100,000-$249,999.99)** ira | — APY | 1.49% | — | Standard | | **$100,000 - $249,999.99** savings | — APY | 1.49% | — | Standard | | **18/65 Money Market Account ($100,000-$249,999.99)** money_market | — APY | 1.49% | — | Standard | | **Tiered IRA Savings ($250,000 and above)** ira | — APY | 1.69% | — | Standard | | **18/65 Money Market Account ($250,000 and above)** money_market | — APY | 1.69% | — | Standard | | **$250,000 And Above** savings | — APY | 1.69% | — | Standard | | **91 Day IRA CD** ira_cd | 2.00% APY | 1.98% | — | Standard | | **91 Day CD** cd | 2.00% APY | 1.98% | — | Standard | | **60-Month Certificate** cd_60mo | — APY | 2.81% | 60 mo | Standard | | **36-Month Certificate** cd_36mo | 2.85% APY | 2.81% | 36 mo | Standard | | **2.5 Year CD** cd_60mo | 2.85% APY | 2.81% | 60 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | 2.85% APY | 2.81% | 36 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | 2.85% APY | 2.81% | 48 mo | Standard | | **2.5 Year IRA CD** ira_cd_60mo | 2.85% APY | 2.81% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | 2.85% APY | 2.81% | 48 mo | Standard | | **24-Month Certificate** cd_24mo | 3.10% APY | 3.05% | 24 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | 3.10% APY | 3.05% | 24 mo | Standard | | **Starter CD**** cd_12mo | 3.50% APY | 3.44% | 12 mo | Standard | | **6-Month IRA Certificate** ira_cd_6mo | 3.75% APY | 3.68% | 6 mo | Standard | | **6-Month Certificate** cd_6mo | 3.75% APY | 3.68% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 4.16% | 12 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | 4.25% APY | 4.16% | 12 mo | Standard | | **1.5 Year CD** cd_60mo | 4.50% APY | 4.40% | 60 mo | Standard | | **1.5 Year IRA CD** ira_cd_60mo | 4.50% APY | 4.40% | 60 mo | Standard | Align Credit Union savings & cd rates as of November 13, 2026 Vehicle loans available from 4.99% APR for 36 months. HELOC rates from 6% APR. Savings and certificate yields up to 4.50% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/massachusetts/align) , verified from [Align Credit Union's official website](https://www.aligncu.com/) Best product position **Better than the Massachusetts median** HELOC Gap to state best **150 bp** 150 bp from state best Vs. state median **75 bp better than median** HELOC Products ranked **1** across tracked Massachusetts markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 6.00% | Better than the Massachusetts median | 150 bp from state best | 75 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Align Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=align&state=massachusetts&code=MA&name=Align%20Credit%20Union) Loading branch locator… ## About Align Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 27K Assets $642.1M Founded 1922 Locations reported 6 NCUA charter 66365 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Student scholarships 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. [**Lowell Firefighters** Lowell Firefighters Credit Union · Lowell · MA · 01851 About 0.8 miles away](https://rateapi.dev/credit-unions/massachusetts/lowell-firefighters) [**Jeanne D'arc** Tremont · Lowell · MA · 01854-3658 About 1.6 miles away](https://rateapi.dev/credit-unions/massachusetts/jeanne-darc) [**Lowell Municipal Employees** City Hall · Lowell · MA · 01852-5909 About 1.7 miles away](https://rateapi.dev/credit-unions/massachusetts/lowell-municipal-employees) [**Pathway** CSPI · Lowell · MA · 01854-3635 About 1.8 miles away](https://rateapi.dev/credit-unions/tennessee/pathway) [**Mills42** Mills42 FCU · Lowell · MA · 01852 About 1.9 miles away](https://rateapi.dev/credit-unions/massachusetts/mills42) [**Workers** Chelmsford Office · Chelmsford · MA · 01824 About 2.1 miles away](https://rateapi.dev/credit-unions/massachusetts/workers) 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 Align Credit Union Membership eligibility from Align Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Community charter: live/work in Ashburnham, MA, NH - Location MA, NH **Cost to join:** About $5. Verified from [Align Credit Union's membership page](https://www.aligncu.com/join) . Final membership determination is always made by the credit union. ## Work at Align 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 Align Credit Union ranks against Massachusetts peers. - See which AI assistants fetched Align 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=align&state=massachusetts&code=MA&name=Align%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Align Credit Union offer? Align Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Align Credit Union rates updated? RateAPI verifies Align Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Align Credit Union's rate data? Rate data is collected directly from Align Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Align Credit Union's auto, rv & motorcycle loan rates? As of November 13, 2026, Align Credit Union offers vehicle loans from 4.99% APR. ### What is Align Credit Union's HELOC rate? As of November 13, 2026, Align Credit Union offers home equity lines of credit from 6% APR. ### What is Align Credit Union's best CD rate? As of November 13, 2026, Align Credit Union offers savings and certificate (CD) yields up to 4.50% APY. ### Who can join Align Credit Union? Community charter: live/work in Ashburnham, MA, NH ## Related Rate Data Compare Align 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.aligncu.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 Align 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 Align Credit Union curl "https://api.rateapi.dev/credit-unions/massachusetts /align " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Align Credit Union locations Search, filter, and browse all 6 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/align Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp