Align Credit Union

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A short history of Align CU

Since its inception in 1922 the Align Credit Union has been serving its members in the LOWELL, Massachusetts area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Kenneth Del Rossi, the Align CU has grown its membership to over 28,049 with assets of more than $600,113,499. They have a main office and 7 branch offices. Please see the credit unions website or contact them by phone at (978) 452-9961 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in LOWELL, MA.

General Information For Align CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 66365
Address PO BOX 7008 
State Massachusetts 
Zip-Code 01852
Phone Number (978) 452-9961
Fax Number (978) 454-4706
Email Address:
CEO/President Kenneth Del Rossi
Members 28,049 
Full-Time Employees 111 
Part-Time Employees 14 
Number of Branch Offices
Total Assets 600,113,499 

Compare Align Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Mills42 CU Mills42 FCU 83 Merrimack St 01852 (978) 328-5100 No 1.31
Lowell Firefighters CU Lowell Firefighters Credit Union 642 Chelmsford St 01851 (978) 453-2734 No 1.46
Lowell Municipal Employees CU City Hall 375 Merrimack St 01852 (978) 970-4088 No 1.52
Jeanne D'arc CU Dracut - Bridge 1595 Bridge St 01826 (978) 452-5001 No 1.75
Tewksbury CU Main Office 752 Main St 01876 (978) 851-9750 No 2.84

Align Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Align Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 11.00 3.00 3.00 4.50 3.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 341 146 92 205 27
Rank Among All Massachusetts Credit Unions 25 44 20 48 4

Align Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.25 0.45 0.70 0.40
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 95 69 224 243
Rank Among All Massachusetts Credit Unions 10 12 13 43 48
Align Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 11.0006,93217,140,793
All Other Unsecured Loans/Lines of Credit 15.5002,8867,361,576
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 7.2502279,069,799
New Vehicle Loans 3.00067712,244,896
Used Vehicle Loans 3.0001,98821,761,345
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.5001,357261,077,895
Total Other Real Estate Loans/Lines of Credit 3.0001,47842,372,229
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 8.000157882,748
TOTAL LOANS & LEASES 15,702371,911,281

Align Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 36369,985,3219322,445,250
    b. 15 Years or less 43248,350,375275,345,100
    a. > 15 years 3911,825,86641,166,100
    b. 15 Years or less 29872,690,200318,495,150
Other Fixed Rate 1127,94200
Adjustable Rate 1 yr or less 71,157,11900
Adjustable Rate > 1 yr 21756,941,07274,146,500


Closed-End Fixed Rate 1947,198,222391,868,400
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1,28435,174,0071028,395,977
Open-End Fixed Rate 0000
TOTALS 2,835303,450,12430351,862,477


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 1127,94200

Align Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes