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.

About Align

Connecting With Our Members Since 1922

Align Credit Union is committed to delivering a banking experience perfectly in sync with you. The right tools at your fingertips 24/7. Professional guidance when and where you need it. It's how we've been doing things for more than 100 years. 

Our Member-centric approach has been part of our fabric since 1922. We were founded as the Northern Massachusetts Telephone Workers Union (NMTW) to provide better financial resources for area phone company employees and their families. Over the years, our Membership grew. By 2005, NMTW has become one of the strongest financial institutions in the region, extending our Membership to include anyone who lives, works, or attends school in many cities and town throughout Massachusetts and Southern New Hampshire. 

And we didn't stop there. While staying true to our roots, we continued to evolve. In 2013, we changed our name to Align Credit Union to better communicate who we are, where we've come from and where we're going. As Align, our Members are still at the core of everything we do. We have always embraced the fact that everyone is unique. How we work together should be too.

Mission

Aligning our members and communities with financial tools to serve their needs. 

Serving Our Community

Align Team Members are proud to serve the community by serving on many Boards and Committees, volunteering their time and expertise.

  • Boys & Girls Club of Greater Lowell
  • Cooperative Credit Union Association Tri-County North Chapter
  • D'Youville Life and Wellness Community Foundation
  • Elder Services of Merrimack Valley
  • Girls Inc. of Greater Lowell
  • Greater Lowell Chamber of Commerce
  • Greater Lowell Workforce Board
  • Home Ownership for Massachusetts Elders (H.O.M.E.)
  • Lawrence Partnership
  • Lowell Rotary Club
  • Lowell Plan
  • Lowell YMCA
  • Manolis Family Foundation, Inc.
  • MassHire Workforce Systems
  • Massachusetts Share Insurance Corporation
  • Mass Labor and Workforce Board
  • Mass Workforce Association
  • Merrimack Valley Chamber of Commerce
  • Merrimack Valley VNA
  • Mill Cities Community Investments
  • Nevins Family of Services
  • North Shore Chamber of Commerce
  • Octant Business Services, LLC
  • Project Learn
  • Women's Business League

Joleen Forgione

Chief Financial Officer

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