Debit Card Improvements:

We are making improvements to our Debit Card Program effective February 2, 2026.  To learn more please click here

Martin Luther King Jr. Day Closure

All Align branches and the member contact center will be closed on Monday, January 19, 2026 in observance of Martin Luther King Jr. Day. During this period, transactions can be made through online, mobile*, and telephone banking.

*Message and data charges may apply.

Delay of IRA Monthly Required Minimum Distribution: Please be informed that there is a delay affecting the monthly required minimum distributions for members with Individual Retirement Accounts (IRAs). We are actively addressing the issue and sincerely apologize for any inconvenience this may cause.

Notice of Statement Delay: Member statements are currently delayed. We are working to resolve the issue. Statements will be mailed out and made available to view as soon as possible.  We apologize for any inconvenience this has caused and appreciate your understanding. 

Member Scam Alert:

Members should be aware of a recent scam where individuals falsely claim to represent Align Credit Union. These callers might say a debit card transaction was attempted and ask you to verify your personal information. If you receive such a call, do not provide any details. Instead, hang up and contact our support center at 800-942-9575 for help. You can also view common signs of a scam by visiting: Fraud & Scam Protection

Certificate of Deposits

A Certificate of Deposit (CD) is a powerful savings tool to help you reach your financial goals.  CDs and IRA CDs offer higher interest rates and flexible terms, making them a safe way to earn more.  

Certificate of Deposits (CDs)

  • Low risk way to grow your savings
  • Terms available from 91 days to 5 years
  • Low minimum deposit of $500
  • Funds insured by NCUA and MSIC
  • 2 Year CD and 5 Year CD are available to open online

CD Specials

  • Limited time offer: 5 month and 8 month terms available
  • Low minimum opening deposit of $500
  • Lock in a guaranteed great rate
  • Funds insured by NCUA and MSIC

IRA CDs

  • Low minimum opening deposit of $500
  • Available for both Traditional and Roth IRAs
  • Lock in a guaranteed great rate for a fixed term
  • Funds insured by NCUA and MSIC

Starter CD (ages 5-17)

Align's Starter CD teaches kids how to build their very own nest egg.  We'll even let them make two additional deposits along the way to boost their savings.

  • Low minimum deposit of $100
  • Short 12-month term
  • A great rate
  • Funds insured by NCUA and MSIC

 

Featured Rates

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5 Month CD Special

APY as high as*
3.85
% APY*

1 Year CD

APY as high as*
3.25
% APY*

5 Year CD

APY as high as*
2.85
% APY*

Disclosure:

*APY= Annual Percentage Yield. APY effective as of 01/05/2026.

Member must maintain a minimum daily balance of $500 or more each day to obtain the disclosed annual percentage yield.  Only exception is on the starter certificate of deposits (for members ages 5-17), a minimum daily balance of $100 is required to obtain the disclosed annual percentage yield.

Rates on certificates of deposit are guaranteed for the length of the term, all other deposit rates are variable and subject to change after the account is opened. Fees may reduce earnings on accounts. A penalty may be imposed for early withdrawal on Certificates of Deposit. Credit union membership is required. Members must maintain a $5 deposit relationship.

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The Benefits of Membership

Align is a community credit union. We are committed to providing the right financial tools to help you reach your financial goals and deliver a customized banking experience perfectly in sync with you.

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*Message and data rates may apply.

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