2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 66365
Date Established 1922
Assets $594.86 million
Loans $399.25 million
Deposits $443.79 million
Capital $72.51 million

Align is an NCUA insured institution located in Lowell, MA. It was founded in 1922 and has approximately $594.86 millions in assets.

Who can join?

NMTW Community Credit Union membership is open to anyone that lives, works, or attends school in Middlesex or Essex Counties in Massachusetts, several cities and towns within Norfolk and Worcester Counties in Massachusetts, and Rockingham and Hillsborough Counties in New Hampshire.

Employment Eligibility
If your company is located in our service area, then you and your employees are eligible to receive the exceptional service and value of NMTW Community Credit Union.

Field of Membership Restrictions

Align CU is open to anyone that resides, holds employment, or is enrolled as a student in the Eastern Massachusetts and the Southern New Hampshire area. Align CU still recognizes all of the employees that work for area phone companies for membership eligibility as well.

Deposit Rates - October 14, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.55% $2,500 $9,999 Learn MoreShow Less
Money Market
0.65% $10,000 $24,999 Learn MoreShow Less
Money Market
0.75% $25,000 $49,999 Learn MoreShow Less
Fixed IRA
2.00% $500 - Learn MoreShow Less
Special: 7 Mo FIRA
2.05% $500 - Learn MoreShow Less
Special: 22 Mo FIRA
2.35% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
1.00% $500 - Learn MoreShow Less
6 Mo CD
1.75% $500 - Learn MoreShow Less
Special: 7 Mo CD
2.05% $500 - Learn MoreShow Less
12 Mo CD
2.00% $500 - Learn MoreShow Less
18 Mo CD
2.10% $500 - Learn MoreShow Less
Special: 22 Mo CD
2.35% $500 - Learn MoreShow Less
24 Mo CD
2.15% $500 - Learn MoreShow Less
30 Mo CD
2.20% $500 - Learn MoreShow Less
36 Mo CD
2.25% $500 - Learn MoreShow Less
48 Mo CD
2.30% $500 - Learn MoreShow Less
60 Mo CD
2.45% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.45% $25 - Learn MoreShow Less

Loan Rates - October 14, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for ALIGN

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.634% 3.625% 0.13 $265 $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

Note to ALIGN
To upload and update your bank's rates please register. It is free to register and add rates.


Below are Align branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Align Locations

Financial Details

Align Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Align. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Align U.S. Average
0.58% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Align had $426,360 in non-current loans and $47 in owned assets. To cover these potential losses it had $72,513,998 in net worth and $846,555 in loans loss reserves. That gives it a Texas Ratio of 0.58%.

Net Worth
Align U.S. Average
12.19% 13.65%

Align FCU has a net worth of 12.19% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Align

Branches and Savings

What is Align?

A federal credit union, registered with the NCUA under certificate #66365.
Learn more about credit unions here.

Is Align FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Align?

Please see Field of Membership information above for information on who is eligible to join.

What are Align's share account and share certificate rates?

Align's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Align?

Align has total capital of $72.51 million. Full information on Align's financial position is located above.

Who owns Align?

Credit Unions are owned by their members.

Where are Align branches located?

See branch locations nearby.

Are Align ATMs Open 24/7?

Do Align ATMs accept cash deposits?

Can Align customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Align have a mobile app?

Does Align have mobile deposit?

Does Align have quick pay?

How can Align transfer money to other banks or credit unions?

Does Align report to credit bureaus?

Does Align use Chexsystems?

Does Align use Equifax?

What is Align's toll free phone number?

What is Align's ACH Routing Number?

What is Align's SWIFT code?

Where can I find Align's wire transfer form?

What is the Align address for deposits?

What Products Does Align Offer

Does Align offer mortgages?

Compare mortgage rates here.

Does Align offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Align offer auto and RV loans?

Compare auto loan rates here.

Does Align offer student loans or personal loans?

Compare personal loan rates here.

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