Credit union · NCUA insured
Align Credit Union Carrot Score
A $642.1M credit union headquartered in Lowell, MA, with 26,989 members and 6 branches in 2 states.
Align Credit Union Carrot Score
84
Carrot Score
Higher than 66% of U.S. banks and credit unions
- CDs87
- Savings84
- Auto loans83
- Credit cardsNot scored
Each bar is every U.S. bank and credit union, lowest score to highest. Choose a product to see its rates.
Where Align Credit Union ranks
By Carrot score, in each area where it has branches
Scores run from 60 to 99; 90 and up means rates near the best in the country. Top Carrot marks a score of 87 or more, the top quarter of U.S. banks and credit unions. It’s about rates only, not safety, service or who can join.
By product
How each product scores
How its rates compare with every U.S. bank and credit union. Open a product to see them.
CDs
87top 23% nationally
| Term | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| 3-8 months | 3.75% | 68% | 3.50% | 3.82% | 4.05% |
| 9-15 months | 4.05% | 78% | 3.70% | 4.00% | 4.25% |
| 16-30 months | 4.10% | 86% | 3.35% | 3.85% | 4.20% |
| 31-60 months | 2.85% | 40% | 3.05% | 3.65% | 4.07% |
| Qualified | 4.10% | 72% | 3.85% | 4.15% | 4.35% |
Best rates 81.8 · all terms 70.9 → 77.4 → 87
Savings
84top 32% nationally
| Balance | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| $1,000 | 0.25% | 58% | 0.20% | 0.50% | 1.51% |
| $10,000 | 1.00% | 69% | 0.50% | 1.15% | 2.20% |
| $100,000 | 1.50% | 63% | 1.00% | 2.01% | 2.93% |
| Qualified | 1.00% | 64% | 0.60% | 1.31% | 2.43% |
Best rates 66.8 · all balances 64.8 → 66.0 → 84
Auto loans
83top 38% nationally
| Vehicle | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| New vehicle | 4.99% | 59% | 5.00% | 4.74% | 4.25% |
| Used vehicle | 4.99% | 71% | 5.39% | 4.99% | 4.49% |
Best rates 71.3 · all vehicles 65.2 → 68.8 → 83
Credit cards
Not scoredWhere the score could improve
- Auto loans, New vehicle4.74%4.99% today, lower than 59% of U.S. institutions. 4.74% would reach the top quarter; 4.25% the top 10%.
- CDs, 31-60 months3.65%2.85% today, higher than 40% of U.S. institutions. 3.65% would reach the top quarter; 4.07% the top 10%.
- Auto loans, Used vehicle4.99%4.99% today, lower than 71% of U.S. institutions. 4.99% would reach the top quarter; 4.49% the top 10%.
- To score in the 90sIts CDs already have a rate near the best in the country (4.10% at 16-30 months); its other CDs rates need to rank near the top too, so the weaker ones above matter most.
Scores update as rates change. Institutions can correct a rate we show; payment never changes a score.
Method
How the score works
- Each product gets a standingWe compare its CD, savings, auto loan and credit card rates with every bank and credit union in the U.S. and give each product a standing out of 100. Its best rates count the most. For loans and cards, lower rates rank higher.
- Its two best products set the scoreWe average its two strongest products. Each extra product it publishes adds 1.5 points, so sharing more rates can only help.
- Its rank puts it on the 60–99 scaleWe rank that number against every scored bank and credit union in the country to get a score from 60 to 99. The top quarter earn Top Carrot.
How Align Credit Union got its score
Its products stand at 77.4 for CDs, 68.8 for auto loans and 66.0 for savings, out of 100. Its best two, CDs and auto loans, average 73.1. Publishing three products adds 1.5, for 74.6. That puts it in the top 34% nationally: a Carrot Score of 84.
The fine print: inside each product, its best rates make up 60% of its standing and all its rates the rest. Its best rates are its two best CD terms, its $10,000 and Qualified savings or money market rates, the better of its new and used auto loan rates, and its credit card purchase rate. The Qualified rate is the best $10,000 rate you can get by opening another account or meeting monthly requirements (or the standard rate, if that’s higher). Rates that need monthly activity get half credit for the extra they pay, and rates that need a combined balance count only from that balance. We subtract monthly fees and count an intro rate at what it earns over a full year. Accounts for kids, students, seniors, businesses, IRAs and health savings aren’t scored.