Credit union · NCUA insured
Align Credit Union
A $642.1M credit union headquartered in Lowell, MA, with 26,989 members and 6 branches in 2 states. Best rates: CDs 4.10% and savings 1.00% APY.
Align Credit Union Carrot Score
84
Carrot Score
Higher than 66% of U.S. banks and credit unions
#42 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Align Credit Union
- Headquarters
- 87 Hale St, Lowell, MA 01851
- NCUA charter
- 66365
Branches
6 branches in 2 states
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Massachusetts
5 branches
- Corporate OfficeMain office87 Hale St, Lowell, MA 01851Directions
- Amesbury19 Haverhill Rd, Amesbury, MA 01913Directions
- Danvers Branch110 Newbury St, Danvers, MA 01923Directions
- Framingham Branch235 Old Connecticut Path, Framingham, MA 01701Directions
- Haverhill Branch20 Cushing Ave, Haverhill, MA 01830Directions
New Hampshire
1 branch
- Seabrook, NH Branch68 Lafayette Rd, Seabrook, NH 03874Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.67% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.46% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.45% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $75 | $76 | — |
- CapitalNet worth ratio8.67%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.46%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.45%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$75Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Align Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.