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.

Certificate of Deposits

A Certificate of Deposit (CD) is a powerful savings tool to help you reach your financial goals.  CDs and IRA CDs offer higher interest rates and flexible terms, making them a safe way to earn more.  

Certificate of Deposits (CDs)

  • Low risk way to grow your savings
  • Terms available from 91 days to 5 years
  • Low minimum deposit of $500
  • Funds insured by the NCUA and MSIC
  • 2 Year CD and 5 Year CD are available to open online

CD Specials

  • Limited time offer: 5 month and 8 month terms available
  • Low minimum opening deposit of $500
  • Lock in a guaranteed great rate
  • Funds are insured by NCUA and MSIC

IRA CDs

  • Low minimum opening deposit of $500
  • Available for both Traditional and Roth IRAs
  • Lock in a guaranteed great rate for a fixed term
  • Funds insured by NCUA and MSIC

Starter CD (ages 5-17)

Align's Starter CD teaches kids how to build their very own nest egg.  We'll even let them make two additional deposits along the way to boost their savings.

  • Low minimum deposit of $100
  • Short 12-month term
  • A great rate
  • Funds are insured by NCUA and MSIC

 

Featured Rates

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5 Month CD Special

APY as high as*
4.25
% APY*

1 Year CD

APY as high as*
3.75
% APY*

5 Year CD

APY as high as*
2.85
% APY*

Disclosure:

*APY= Annual Percentage Yield. APY effective as of 07/08/2025.

Member must maintain a minimum daily balance of $500 or more each day to obtain the disclosed annual percentage yield.  Only exception is on the starter certificate of deposits (for members ages 5-17), a minimum daily balance of $100 is required to obtain the disclosed annual percentage yield.

Rates on certificates of deposit are guaranteed for the length of the term, all other deposit rates are variable and subject to change after the account is opened. Fees may reduce earnings on accounts. A penalty may be imposed for early withdrawal on Certificates of Deposit. Credit union membership is required. Members must maintain a $5 deposit relationship.

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The Benefits of Membership

Align is a community credit union. We are committed to providing the right financial tools to help you reach your financial goals and deliver a customized banking experience perfectly in sync with you.

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*Message and data rates may apply.

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