Credit union · NCUA insured
Align Credit Union CD Rates
Align Credit Union’s best CD rate is 4.10% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Align Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Align Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Align Credit Union
4.10%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $621
Certificates of Deposit
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Align Credit Union CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo2.85%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Align Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.10%APY · 9 terms
Credit union membership required ($5 deposit relationship). Early withdrawal penalty may be imposed. Rates guaranteed for the length of the term. Fees may reduce earnings. 2 Year CD and 5 Year CD available to open online.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum daily balance of $500 required to obtain disclosed APY | 2.00% | $50 |
| 6 monthsMinimum daily balance of $500 required to obtain disclosed APY | 3.75% | $186 |
| 12 monthsMinimum daily balance of $500 required to obtain disclosed APY | 4.05% | $405 |
| 18 monthsMinimum daily balance of $500 required to obtain disclosed APY | 4.10% | $621 |
| 24 monthsAvailable to open online. Minimum daily balance of $500 required to obtain disclosed APY | 3.10% | $630 |
| 30 monthsMinimum daily balance of $500 required to obtain disclosed APY | 2.85% | $728 |
| 36 monthsMinimum daily balance of $500 required to obtain disclosed APY | 2.85% | $880 |
| 48 monthsMinimum daily balance of $500 required to obtain disclosed APY | 2.85% | $1,190 |
| 60 monthsAvailable to open online. Minimum daily balance of $500 required to obtain disclosed APY | 2.85% | $1,509 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 4.10%APY · 9 terms
Membership eligibility requirements must be met. Fees may reduce earnings on accounts. A penalty may be imposed for early withdrawal on IRA accounts. Available for Traditional and Roth IRAs. Minimum opening deposit $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.00% | $50 |
| 6 months | 3.75% | $186 |
| 12 months | 4.05% | $405 |
| 18 months | 4.10% | $621 |
| 24 months | 3.10% | $630 |
| 30 months | 2.85% | $728 |
| 36 months | 2.85% | $880 |
| 48 months | 2.85% | $1,190 |
| 60 months | 2.85% | $1,509 |
Sources (2)
All captured Oct 15, 2026
Starter CD
3.50%APY · 1 term
Available to members ages 5-17. Allows 2 additional deposits with a minimum of $100. Credit union membership required ($5 deposit relationship). Early withdrawal penalty may be imposed. Rates guaranteed for the length of the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable to members ages 5-17. 2 additional deposits with a minimum of $100 permitted. Minimum daily balance of $100 required to obtain disclosed APY | 3.50% | $350 |
Sources (2)
All captured Oct 15, 2026
Who can join Align Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.