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.

Current News

Beneficial Ownership Information

Effective January 1, 2024, reporting companies must not only register with the Secretary of State, or similar office, but also with the U.S. Treasury. FinCEN, a department of the U.S. Treasury, will begin accepting applications, from January 1, 2024 and before January 1, 2025, for existing businesses who are required to be registered with the Secretary of State or similar office. If you are unsure if your organization is considered a reporting company, please visit fincen.gov/boi for more information. 

A reporting company created or registered on or after January 1, 2024, and before January 1, 2025, will have 90 days, after receiving notice of the company's creation or registration, to file its initial BOI report at fincen.gov/boi. Reporting companies created or registered on or after January 1, 2025, will have 30 days, after receiving notice of the company's creation or registration, to file its initial BOI report at fincen.gov/boi. Businesses will be subject to penalties for nonregistration.

To be in compliance with the Beneficial Ownership Reporting Rule, businesses must identify individuals who either directly or indirectly (1) exercise substantial control of the business or (2) owns or controls at least 25% of the company's ownership interest.

Some companies may be exempt from this rule. Please visit fincen.gov/boi to learn if your company qualifies for an exemption.

To learn more and view FAQs, please visit fincen.gov/boi.

We thank you for your continued membership.

 

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