2024 Overview
General Credit Union Information
Align is an NCUA insured institution located in Lowell, MA. It was founded in 1922 and has approximately $681.76 millions in assets.
Who can join?
NMTW Community Credit Union membership is open to anyone that lives, works, or attends school in Middlesex or Essex Counties in Massachusetts, several cities and towns within Norfolk and Worcester Counties in Massachusetts, and Rockingham and Hillsborough Counties in New Hampshire.
Employment Eligibility
If your company is located in our service area, then you and your employees are eligible to receive the exceptional service and value of NMTW Community Credit Union.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 66365 |
| Date Established | 1922 |
| Assets | $681.76 million |
| Loans | $395.07 million |
| Deposits | $560.31 million |
| Capital | $69.06 million |
Field of Membership Restrictions
Align CU is open to anyone that resides, holds employment, or is enrolled as a student in the Eastern Massachusetts and the Southern New Hampshire area. Align CU still recognizes all of the employees that work for area phone companies for membership eligibility as well.
Deposit Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
|
Money Market
|
0.25% | $1 | $2,499 |
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|
|
Money Market
|
0.85% | $2,500 | $9,999 |
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|
|
Money Market
|
1.00% | $10,000 | $24,999 |
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|
|
Money Market
|
1.15% | $25,000 | $49,999 |
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|
|
Money Market
|
1.35% | $50,000 | $99,999 |
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|
|
Money Market
|
1.50% | $100,000 | $249,999 |
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|
|
Money Market
|
1.70% | $250,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
2.00% | $500 | - |
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|
| 8 Mo CD
|
4.86% | $500 | - |
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|
| 11 Mo CD
|
4.86% | $500 | - |
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|
| 12 Mo CD
|
3.25% | $500 | - |
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|
| 18 Mo CD
|
3.75% | $500 | - |
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|
| 24 Mo CD
|
3.50% | $500 | - |
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|
| 30 Mo CD
|
3.10% | $500 | - |
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|
| 36 Mo CD
|
2.85% | $500 | - |
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|
| 48 Mo CD
|
2.85% | $500 | - |
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|
| 60 Mo CD
|
2.85% | $500 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| IRA Savings
|
0.25% | $25 | - | Learn More |
| Fixed IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 8 Mo FIRA
|
4.86% | $500 | - | Learn More |
| 11 Mo FIRA
|
2.85% | $500 | - | Learn More |
Loan Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Align
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 66247 |
6.576% | 6.500% | 0.75 | $2,544 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.953% | 6.875% | 0.63 | $2,534 | $2,103 | Learn More |
NMLS ID: 2890 License#: MBMB.850089.000 |
6.989% | 6.875% | 0.88 | $3,721 | $2,103 | Learn More |
NMLS ID: 1907 |
7.093% | 7.000% | 1.00 | $3,002 | $2,129 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Achieve Loans See Table |
Intro APR 10.625 % After Intro: 10.625 % |
$0 |
Learn More
More Info |
Note to Align
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Align branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Align Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 635.53 | A | View Lobby Hours | |
| 645.33 | B | View Lobby Hours | |
| 646.22 | C | View Lobby Hours | |
| 646.70 | D | View Lobby Hours | |
| 660.52 | E | View Lobby Hours | |
| 662.25 | F | View Lobby Hours | |
| 669.56 | G | View Lobby Hours |
Climate Policy and Initiatives
ALIGN is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Align Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Align. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Align | U.S. Average |
|---|---|
| 4.47% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Align had $3,145,818 in non-current loans and $11,218 in owned assets. To cover these potential losses it had $69,061,736 in net worth and $1,557,540 in loans loss reserves. That gives it a Texas Ratio of 4.47%.
Net Worth
| Align | U.S. Average |
|---|---|
| 10.12% | 13.93% |
Align FCU has a net worth of 10.12% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Align
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