Align rates: up to 4.50% APY
credit union · NCUA CHARTER 66365 · www.aligncu.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 18/65 Savings | 0.25% | APY | 2026-11-01 | since 2026-11-01 | ||
| Membership Savings | 0.25% | APY | 2026-11-01 | since 2026-11-01 | ||
| MyGoal Savings | 0.25% | APY | 2026-11-01 | since 2026-11-01 | ||
| Tiered IRA Savings | $0.01-$2,499.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Tiered IRA Savings | $2,500-$9,999.99 | 0.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Tiered IRA Savings | $10,000-$24,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Tiered IRA Savings | $25,000-$49,999.99 | 1.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Tiered IRA Savings | $50,000-$99,999.99 | 1.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Tiered IRA Savings | $100,000-$249,999.99 | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Tiered IRA Savings | $250,000 and above | 1.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Variable IRA Savings | 0.25% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 91 Day CD | 3 months | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 91 Day IRA CD | 3 months | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 6 Month CD | 6 months | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 6 Month IRA CD | 6 months | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 1 Year CD | 1 year | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 1 Year IRA CD | 1 year | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Starter CD | 1 year | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 1.5 Year CD | 18 months | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 1.5 Year IRA CD | 18 months | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 2 Year CD | 2 years | 3.10% | APY | 2026-11-01 | since 2026-11-01 | |
| 2 Year IRA CD | 2 years | 3.10% | APY | 2026-11-01 | since 2026-11-01 | |
| 2.5 Year CD | 30 months | 2.85% | APY | 2026-11-01 | since 2026-11-01 | |
| 2.5 Year IRA CD | 30 months | 2.85% | APY | 2026-11-01 | since 2026-11-01 | |
| 3 Year CD | 3 years | 2.85% | APY | 2026-11-01 | since 2026-11-01 | |
| 3 Year IRA CD | 3 years | 2.85% | APY | 2026-11-01 | since 2026-11-01 | |
| 4 Year CD | 4 years | 2.85% | APY | 2026-11-01 | since 2026-11-01 | |
| 4 Year IRA CD | 4 years | 2.85% | APY | 2026-11-01 | since 2026-11-01 | |
| 5 Year CD | 5 years | 2.85% | APY | 2026-11-01 | since 2026-11-01 | |
| 5 Year IRA CD | 5 years | 2.85% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 18/65 Money Market Account | $0.01-$2,499.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 18/65 Money Market Account | $2,500-$9,999.99 | 0.85% | APY | 2026-11-01 | since 2026-11-01 | |
| 18/65 Money Market Account | $10,000-$24,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 18/65 Money Market Account | $25,000-$49,999.99 | 1.15% | APY | 2026-11-01 | since 2026-11-01 | |
| 18/65 Money Market Account | $50,000-$99,999,.99 | 1.35% | APY | 2026-11-01 | since 2026-11-01 | |
| 18/65 Money Market Account | $100,000-$249,999.99 | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 18/65 Money Market Account | $250,000 and above | 1.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $0.01-$2,499.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $2,500 - $9,999.99 | 0.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $10,000 - $24,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $25,000 - $49,999.99 | 1.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $50,000 - $99,999.99 | 1.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000 - $249,999.99 | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $250,000 and above | 1.70% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Benefit Checking | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| Holiday Club | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| Student Checking | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.aligncu.com/personal/rates | 2026-11-02 01:54 UTC | ok | aed8903da444 |