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.

Direct Deposit

How can I sign up for Direct Deposit?

Set up direct deposit in a few easy steps and save extra trips to the branch on payday! If your employer offers direct deposit, they will be responsible for setting up direct deposit on your behalf. Common information your payroll department will need:

  • Credit Union Routing Number: 211383901
  • Your member number
  • A voided check to verify your routing and member number (if you do not have a voided check, contact our Member Care Center or visit a branch near you for an account confirmation letter)
  • Address of the credit union: Align Credit Union, 87 Hale Street, Lowell, MA 01851

Please note: Money can only be electronically deposited into a Membership Savings Account or a Checking Account. Once money in deposited, automatic transfers to other Align Credit Union accounts may be setup in Online Banking.

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