Credit union · NCUA insured
Align Credit Union Savings Rates
Align Credit Union’s best savings rate is 1.00% APY on $10,000, with its 18-65 Money Market Account. Rates checked October 15, 2026.
How Align Credit Union’s savings 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
1.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $100
Money Market Account
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Align Credit Union savings score
84
Savings score
Higher than 68% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
18-65 Money Market Account
1.00%APY
Members must open the 18-65 Savings account and must maintain a credit union membership with a $5 deposit balance. You must notify the credit union of your eligibility. Minimum opening balance of $1. Minimum withdrawal amount of $250. Free basic checks. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Minimum balance to earn APY is $25. Minimum withdrawal amount $250. Must open 18-65 Savings account, maintain $5 deposit balance for membership, and notify credit union of eligibility. | 0.25% | — | Minimum balance to earn APY is $25. Minimum withdrawal amount $250. Must open 18-65 Savings account, maintain $5 deposit balance for membership, and notify credit union of eligibility. |
| $2,500 – $10,000Minimum balance to earn APY is $2,500. Minimum withdrawal amount $250. Must open 18-65 Savings account, maintain $5 deposit balance for membership, and notify credit union of eligibility. | 0.85% | — | Minimum balance to earn APY is $2,500. Minimum withdrawal amount $250. Must open 18-65 Savings account, maintain $5 deposit balance for membership, and notify credit union of eligibility. |
| $10,000 – $25,000Minimum balance to earn APY is $10,000. Minimum withdrawal amount $250. Must open 18-65 Savings account, maintain $5 deposit balance for membership, and notify credit union of eligibility. | 1.00% | $100 | Minimum balance to earn APY is $10,000. Minimum withdrawal amount $250. Must open 18-65 Savings account, maintain $5 deposit balance for membership, and notify credit union of eligibility. |
| $25,000 – $50,000Minimum balance to earn APY is $25,000. Minimum withdrawal amount $250. Must open 18-65 Savings account, maintain $5 deposit balance for membership, and notify credit union of eligibility. | 1.15% | — | Minimum balance to earn APY is $25,000. Minimum withdrawal amount $250. Must open 18-65 Savings account, maintain $5 deposit balance for membership, and notify credit union of eligibility. |
| $50,000 – $100,000Minimum balance to earn APY is $50,000. Minimum withdrawal amount $250. Must open 18-65 Savings account, maintain $5 deposit balance for membership, and notify credit union of eligibility. | 1.35% | — | Minimum balance to earn APY is $50,000. Minimum withdrawal amount $250. Must open 18-65 Savings account, maintain $5 deposit balance for membership, and notify credit union of eligibility. |
| $100,000 – $250,000Minimum balance to earn APY is $100,000. Minimum withdrawal amount $250. Must open 18-65 Savings account, maintain $5 deposit balance for membership, and notify credit union of eligibility. | 1.50% | — | Minimum balance to earn APY is $100,000. Minimum withdrawal amount $250. Must open 18-65 Savings account, maintain $5 deposit balance for membership, and notify credit union of eligibility. |
| $250,000 and upMinimum balance to earn APY is $250,000. Minimum withdrawal amount $250. Must open 18-65 Savings account, maintain $5 deposit balance for membership, and notify credit union of eligibility. | 1.70% | — | Minimum balance to earn APY is $250,000. Minimum withdrawal amount $250. Must open 18-65 Savings account, maintain $5 deposit balance for membership, and notify credit union of eligibility. |
Sources (2)
All captured Oct 5, 2026
Money Market Account
1.00%APY
Requires $2,500 minimum opening deposit. Minimum withdrawal amount is $250. Membership eligibility requirements must be met. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Minimum balance to earn APY is $25. Minimum daily balance of $25.00 required each day to obtain disclosed APY. Minimum withdrawal amount $250. | 0.25% | — | Minimum balance to earn APY is $25. Minimum daily balance of $25.00 required each day to obtain disclosed APY. Minimum withdrawal amount $250. |
| $2,500 – $10,000Minimum balance to earn APY is $2,500. Minimum withdrawal amount $250. | 0.85% | — | Minimum balance to earn APY is $2,500. Minimum withdrawal amount $250. |
| $10,000 – $25,000Minimum balance to earn APY is $10,000. Minimum withdrawal amount $250. | 1.00% | $100 | Minimum balance to earn APY is $10,000. Minimum withdrawal amount $250. |
| $25,000 – $50,000Minimum balance to earn APY is $25,000. Minimum withdrawal amount $250. | 1.15% | — | Minimum balance to earn APY is $25,000. Minimum withdrawal amount $250. |
| $50,000 – $100,000Minimum balance to earn APY is $50,000. Minimum withdrawal amount $250. | 1.35% | — | Minimum balance to earn APY is $50,000. Minimum withdrawal amount $250. |
| $100,000 – $250,000Minimum balance to earn APY is $100,000. Minimum withdrawal amount $250. | 1.50% | — | Minimum balance to earn APY is $100,000. Minimum withdrawal amount $250. |
| $250,000 and upMinimum balance to earn APY is $250,000. Minimum withdrawal amount $250. | 1.70% | — | Minimum balance to earn APY is $250,000. Minimum withdrawal amount $250. |
Sources (3)
All captured Oct 5, 2026
Membership Savings
0.25%APY
Must maintain a $5 deposit relationship for credit union membership. Rates are variable and may change after account opening. Fees may reduce earnings. Deposits insured by NCUA and MSIC.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.25% | $25 |
Sources (2)
All captured Oct 5, 2026
MyGoal Savings
0.25%APY
Rates are variable and may change after account opening. Fees may reduce earnings. Membership eligibility requirements must be met.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.25% | $25 |
Sources (1)
- aligncu.com/personal/rates · captured Oct 5, 2026
Special-purpose accounts
Tiered IRA Savings
1.00%APY
Traditional or Roth options available. Allows regular deposits with no term limits. Dividend tier earned is based on the daily balance of the account. IRA transactions are subject to IRA rules and regulations. No minimum deposit required to open. Rates are variable and may change after account opening. Deposits insured by NCUA and MSIC.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Earns 0.25% APY on balances of $25 to $2,499.99. Stated balance tier is $0.01-$2,499.99 with $25 minimum balance to earn APY. | 0.25% | — | Earns 0.25% APY on balances of $25 to $2,499.99. Stated balance tier is $0.01-$2,499.99 with $25 minimum balance to earn APY. |
| $2,500 – $10,000 | 0.85% | — | |
| $10,000 – $25,000 | 1.00% | $100 | |
| $25,000 – $50,000 | 1.15% | — | |
| $50,000 – $100,000 | 1.35% | — | |
| $100,000 – $250,000 | 1.50% | — | |
| $250,000 and up | 1.70% | — |
18/65 Savings
0.25%APY
No minimum balance. Must notify the credit union of eligibility. Requires $5 deposit relationship for credit union membership. Rates are variable and may change after account opening. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.25% | $25 |
Sources (2)
All captured Oct 5, 2026
Variable IRA Savings
0.25%APY
Rates are variable and subject to change after the account is opened. Fees may reduce earnings on accounts. Membership eligibility requirements must be met.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.25% | $25 |
Sources (1)
- aligncu.com/personal/rates · captured Oct 5, 2026
Holiday Club
0.10%APY
Funds automatically transfer/deposit to Membership Savings / primary savings account after dividends are posted in October / on November 1st. Rates are variable and may change after account opening. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.10% | $10 |
Sources (2)
All captured Oct 5, 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.