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.

Business Savings

Business Savings

You can grow your savings and your business with Align’s deposit solutions. Get more out of your savings investment by picking an account that is right for you, whether you’re looking to earn extra interest or save up for that next big purchase. Our Business Savings, Business Money Market, and Business IRAs feature great rates and are insured by the MSIC and NCUA.

With a Business Savings account, you’ll earn interest and have easy access to your money whenever you need it or take advantage of tiered interest rates and the flexibility to write checks with a Business Money Market. We understand that every business is different and that flexibility is key, which is why our eServices make it easy for you to make deposits and track your savings progress. You’ll be able to spend more time on your business and less time banking with accounts that work as hard as you do.

Business Savings Products

Business Savings

  • Earns interest on all deposits
  • Minimum opening deposit of $5.00
  • No monthly maintenance fee
  • Online Banking with eStatements
  • Mobile Banking* to view accounts on-the-go
  • Funds insured by NCUA and MSIC

*Message and data rates may apply.

Find a Branch

Business Money Market

  • Earn more with tiered interest rate
  • No term limits
  • No fees or penalties for withdrawing funds
  • Low minimum opening balance of $2,500
  • Funds insured by NCUA and MSIC
Find a Branch

Business Certificate of Deposits (CDs)

  • Low risk option to support overall business growth
  • Terms available from 91 days to 5 years
  • Low minimum deposit of $500
  • Funds insured by NCUA and MSIC
View CD Rates

Business Tiered IRA Savings

  • Traditional or Roth options available
  • Earn more with tiered rates - the higher your balance, the higher your return
  • Allow regular deposits
  • No term limits
  • Low minimum opening balance of $2,500
  • Funds of NCUA and MSIC
View CD Rates

Simplified Employee Pension (SEP IRA)

  • Established by an employer for employees to help save for retirement
  • Must be self-employed or work for someone who is
  • Contributions to a SEP IRA are made only by the employer and tax deductible for the employer only
  • Employer must make contributions for all eligible employees
View CD Rates

Explore Additional Services

*Message and data rates apply.

This website uses cookies in order to offer you the most relevant information. Please "Accept & Continue" for optimal site performance. For more information, please visit our Privacy Policy page.