Credit Card Change in Terms Notification:

Due to an update to our Credit Card Service provider, we will be amending the terms of the Align Credit Union business and consumer credit card.  The changes are summarized below and will go in into effect August 25, 2025, for all transactions made on or after August 25, 2025. 

Here’s what’s changing:

  • Floor Rate: Your standard rate will never be lower than 9.99% APR. Introductory APR Period excluded.
  • Interest Rate Adjustments: The interest rate will adjust monthly in accordance with Wall Street Journal Prime Rate.  This excludes the 12 Month Introductory Period, for qualifying accounts.
  • Foreign Transaction Fee: Foreign Transaction Fee will be accessed at 2.00% of the transaction.
  • Balance Transfer Fee: Balance Transfer Fee of 4.00% of transaction will be accessed per-Balance Transfer during the Introductory APR Period.  No fee will be accessed for Balance Transfers initiated outside of the Introductory APR Period; standard rates apply.  
  • Convenience Check Fee: Convenience check fee of 4.00% of transaction will be accessed per transaction during the Introductory APR Period.   No fee will be accessed for Convenience Checks used outside of the Introductory APR Period; standard rates apply.

Mortgage Solutions for Every Need

Our Business Lending team will work with you to develop customized financing for real estate acquisitions, refinancing, or that next big move. We offer a variety of options with competitive rates, flexible terms, and fewer fees.

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We're in the Business of Helping Yours

Align is proud to be named one of Massachusetts' Fastest Growing Lenders by Banker & Tradesman. Our Commercial Lending Team was ranked #1 in Number of Commercial Loans and #10 in Commercial Loan Volume.

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Designed to Help Your Business Grow

For entrepreneurs who are just starting out or getting ready to take their business to the next level, financing is crucial. Align has partnered with the U.S. Small Business Administration (SBA) to help businesses access the funds they need to start, grow, and expend.

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A Flexible and Fast Way to Borrow

A Business Line of Credit is a great way to improve cash flow, streamline processes, or cover an unexpected expense. You'll be able to access credit when you need it to help you prepare for the changing needs of your business.

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Business Banking
Business Loans & Credit Cards

Explore Additional Services

Current Rates

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2 Year SEP IRA CD

APY as high as*
3.10
% APY*
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5 Month CD Special

APY as high as*
4.25
% APY*
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Business Money Market

APY as high as*
1.70%
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Business Tiered IRA Savings

APY as high as*
1.70%
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Business Checking

Align's Business Checking accounts make managing your finances easier. Whether you want a simple way to manage cash flow or have more complex banking needs, we will help you get the most out of every dollar.
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Lending You Confidence

From starting a new business to growing your existing one, Align understands the importance that credit plays when it comes to your business needs. A loan can be critical to the success and growth of your venture. 
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Convenient eServices

With Align's eServices, you can access your business accounts anytime, anywhere, and on any device. With online banking, mobile banking*, and alerts, you can save time and money. 
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