Changes to Align Credit Union's Fee Schedule: New fees will be put into place effective November 15, 2025, to some services provided by the credit union For more information on these changes please click here.

Market Street Lowell ATM Machine Alert:

The Align Credit Union ATM located at 40 Market Street in Lowell, MA is currently out of service. For alternative ATM options during this outage, please visit our locations page.  We apologize for any inconvenience this may cause. 

Indigenous Peoples' Day Closure: All Align branches and the member contact center will be closed on Monday, October 13, 2025 in observance of Indigenous Peoples' Day.  During this period, transactions can be made through online, mobile*, and telephone banking. *Message and data charges may apply.

Early Closure Announcement:

On October 23, 2025, all Align branches will close early at 2PM so that all staff can attend an offsite event.  Transactions can be made during this time by accessing your account through online, mobile* and telephone banking. We appreciate your understanding and apologize for any inconvenience this may cause.

*Message and data charges may apply.

Align Credit Card

The Align VISA® Credit Card features a great rate, fantastic benefits, and no annual fee. Our card was designed with our members in mind. Whether you’re looking to use for travel, merchandise, gift cards, and more or want to transfer balances and consolidate debt to one low rate, having our credit card in your wallet is always a smart choice.

Align VISA® Credit Card

  • Introductory rates of 7.49% APR for the first 12 months*
  • Variable rate as low as 12.50% APR after the first 12 months*
  • Credit lines up to $20,000
  • Tap to Pay Functionality
  • EMV Chip technology for increased security
  • Mobile access through the Align Cards mobile app
  • Fraud alert notifications**
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Disclosure:

APR = Annual Percentage Rate

*Introductory rate is based on your credit worthiness and in effect for the initial 12 months. Rates thereafter are as low as 12.50% variable APR based on your credit worthiness and may vary depending on each individual's credit experience. In the event there is no score a credit score of 620-649 will be used. The variable rate is based on prime plus a margin. Fees may include: Cash advance fee $5 or 2% of the amount of each whichever is greater-Maximum Fee $90; Foreign Transaction Fee of 1% of transaction in U.S. Dollars; Returned Payment Fee of up to $20; Late payment fee of 10% of the outstanding balance, maximum fee cannot exceed $10. Programs, rates, terms and conditions subject to change without notice. Credit Union membership is required. Members must maintain a $5 deposit relationship

**Fraud alert phone number will be (833) 763-2013, this is the number that will appear on the member caller ID we need to contact you regarding possible fraud activity involving your account.

Credit Card Benefits

  • Digital wallet enabled for contactless checkout
  • EMV Chip Technology for increased security
  • Tap to Pay Functionality
  • 24/7 Cardholder Service: Call (844)-223-7463 for balance inquiries, payment information, transaction history, statement requests or to dispute a charge

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