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.

Credit Cards

Does your business need to make purchases on the go?  With Align’s VISA® Business Credit Card, you can track expenses, pay bills, and manage your business’s cash flow.  An affordable and convenient way to make purchases anywhere in the world the VISA logo is accepted, you can save time and money with convenient global acceptance. You’ll enjoy one of the lowest rates around, no balance transfer fee, and the advantage of additional benefits.  You can have employee-issued cards and individual spending controls – the perfect solution for a business that wants to provide employees with purchasing power.  With no annual fee, EMV chip security and free online access through online banking, we can help you establish credit in your business’s name and provide a solution for smart money management – right in your wallet. 

Business Credit Card Benefits

  • Personal Identity Theft Coverage 
  • Auto Rental Collison Damage Waiver and Travel Insurance 
  • Year End Summary of Usage 
  • Extended Warranty Manager 
  • Digital Wallet enabled
Apply for a Credit Card

VISA® Business Credit Card

  • Competitive low rate
  • No annual fee 
  • No balance transfer fee 
  • Credit lines up to $100,000 
  • Protection from unauthorized usage through Verified by VISA 
  • EMV chip technology for increased security 
  • Credit Card Alerts

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