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Today's Rates

Annual Percentage Rate as low as:
30 Year Fixed 3.93% Apply
5 Year ARM 3.14% Apply
New/Used Auto Purchase1.75%Apply
Annual Percentage Yield as high as:
Variable IRA0.40%Apply
Money Market0.50%Apply
View All Rates
Annual Percentage Rate as low as:
30 Year Fixed 3.93% Apply
15 Year Fixed 3.10% Apply
5 Year ARM 3.14% Apply
30 Year Fixed
Mass Housing
(first-time homebuyer)
4.18% Apply
Annual Percentage Rate as low as:
New/Used Auto Purchase1.75%Apply
New/Used Auto Refinance2.25%Apply
New RV8.25%Apply
Used RV8.50%Apply
View All Rates

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Credit Cards

Credit Cards

Align's Visa® Credit Cards are simply incredible and offer unparalleled benefits and choices!

Win a Magical Shopping Spree

Use your Align credit card three times per week for a chance to win an all-expense paid trip to Chicago and a magical 60-second shopping spree in a CURewards warehouse. Trip includes roundtrip airfare, 3 days and 2 nights accommodations, meals and entertainment. There will be a winner every two weeks now through October 25. Register today!

Earn Double CURewards Points This Summer

This summer earn double CURewards points every time you use your VISA® Signature Rewards Card or VISA® Platinum Rewards Card on travel, gas and dining purchases.*

*Double CURewards Points offer good only on dining, gas and vacation/travel purchase transactions made between 7/1/15 and 9/30/15. Eligible merchants for the double points include: (a) Dining (representing eating places, restaurants, fast food restaurants and drinking places (alcoholic beverages) — bars, taverns, nightclubs, cocktail lounges and discotheques); (b) Gas (representing automated fuel dispenser, or service stations (with or without ancillary services); and (c) Vacation/Travel (representing airlines, vehicle rentals, hotels, motels, lodging providers (includes timeshares, camps and campgrounds). Cash advances and balance transfers do not qualify. Points will be posted to your account at the close of each billing cycle. Fees and fi nance charges do not earn points. You must use your Align VISA® Signature Rewards Card or Align VISA® Platinum Rewards Card to qualify for double points.

Visa Signature Card

Added benefits with travel security and cash back rewards. Receive a low introductory APR as low as 1.99%.
  • CURewards – earn points with every purchase you make... now redeemable for cash back rewards!
  • New account-spend $3000 in the first 90 days and earn 6000 points
  • Available for credit scores of 700 and over
  • Open line of credit up to $15,000
  • No annual fee
  • No hidden charges
  • EMV chip for travel security
  • Travel Accident Insurance up to $100,000
  • VISA concierge services for travel & entertainment
  • Personal Identity Theft Coverage
  • Year End Summary of Usage
  • Extended Warranty Manager
  • Auto Rental Collision Damage Waiver
  • Roadside dispatch
  • Signature perks on events & special discounts
  • Cell phone replacement up to $250
  • Verified By Visa® Purchase Protection
  • Online access for payments and history through Online Banking
  • Free eStatements
  • No balance transfer fee

Visa Platinum Rewards

Flexible, easy, rewarding
Receive a low introductory APR as low as 4.50%.
  • CURewards – earn points with every purchase you make... redeemable for travel, merchandise and more!
  • Open line of credit up to $15,000
  • No annual fee
  • No hidden charges
  • Personal Identity Theft Coverage
  • Year End Summary of Usage
  • Extended Warranty Manager
  • Auto Rental Collision Damage Waiver
  • Verified By Visa® Purchase Protection
  • Online access for payments and history through Online Banking
  • Free eStatements
  • No balance transfer fee

Visa Platinum

Flexible, easy, rewardingReceive a low introductory APR as low as 4.50%.
  • Low APR (1% lower than Visa® Platinum Rewards)
  • Credit line up to $15,000
  • No annual fee
  • No hidden charges
  • Auto Rental Collision Damage Waiver
  • Travel Insurance
  • Online access for payments and history through Online Banking
  • Free eStatements

Google Wallet™

Looking for an easier way to pay? Download Google Wallet™ to your smartphone and upload your Align crebit card. Shop wherever Google Wallet is accepted and make purchases without even swiping your card. Google Wallet also allows you to link store loyalty and gfit cards, so you never have to worry about missing out on savings. Google Wallet is availabale in iTunes® and Google Play™ stores.

EMV Chip Card Security

Align Credit Union VISA® Credit Cards come with built-in chip technology. These cards are not only more secure – they’re also easy to use.

  • Receive an enhanced level of security. When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.
  • Check out with ease. Follow simple steps to pay at a chip-activated terminal.
  • Enjoy global acceptance. More merchants are accepting chip transactions every day. Whether you check out using chip technology or swipe your card, you can pay wherever VISA® Credit Cards are accepted.
Watch a video about using the EMV Chip Card.

View our EMV Chip Card brochure for more information.

Credit Card Alerts

Keeping you in the know while you're on the go! Your Align Visa® credit card now offers you the most convenient way of keeping track of your account activity anytime, anywhere! You can choose to receive alerts on what’s most important to you:

  • Text messages* and email alerts
  • Detect possible fraud**
  • Account Reminders, including Payment Due Date
  • Transaction exceeding a specific dollar amount
  • Transactions made outside of the US
Sign up for alerts today!

*Message and data rates may apply.*Cardholders are responsible for reporting any suspicious or fraudulent activity to their credit union.

Debt Protection

For life's unexpected turns, learn about Align's Debt Protection options.

Apply Online Download Application View Disclosures View an eBrochure

*Not currently a Member?
View membership requirements
to see if you are eligible.