Debit Card Improvements:

We are making improvements to our Debit Card Program effective February 2, 2026.  To learn more please click here

Martin Luther King Jr. Day Closure

All Align branches and the member contact center will be closed on Monday, January 19, 2026 in observance of Martin Luther King Jr. Day. During this period, transactions can be made through online, mobile*, and telephone banking.

*Message and data charges may apply.

Delay of IRA Monthly Required Minimum Distribution: Please be informed that there is a delay affecting the monthly required minimum distributions for members with Individual Retirement Accounts (IRAs). We are actively addressing the issue and sincerely apologize for any inconvenience this may cause.

Member Scam Alert:

Members should be aware of a recent scam where individuals falsely claim to represent Align Credit Union. These callers might say a debit card transaction was attempted and ask you to verify your personal information. If you receive such a call, do not provide any details. Instead, hang up and contact our support center at 800-942-9575 for help. You can also view common signs of a scam by visiting: Fraud & Scam Protection

Holiday Loan Special

Unwrap the Joy of the Season with Our Holiday Loan Special!  Why wait to make your holiday dreams come true? Our Holiday Loan special has you covered! 

Holiday Loan Special

  • Special fixed rate of 7.49% APR*
  • Borrow up to $5,000 for 12 months
  • No fees or pre-payment penalties
  • Available until February 28, 2026
Apply Now

Disclosure:

*Subject to credit approval.  Annual Percentage Rate (APR)  may vary based on your personal credit history.  7.49% rate is for a 700+FICO Score and 12 month term.  The established payment would be 12 monthly installments of $86.75 per $1000 borrowed.  8.49% rate is for 699 and below FICO Score and 12 month term.  The established payment would be 12 monthly installments $87.21 per $1000 borrowed.  Limited time offer.  APR effective from 11/14/2025 until 2/28/2026.  Existing balances do not qualify for the promotional rate.  Credit Union membership required.  Members must maintain a $5 deposit relationship.   


Additional Loan Options

Savings Secured Personal Loans

  • Borrow against your Align Savings or CD
  • Borrow up to 90% of the available balance in your account
  • Interest rate is 3% above current dividend rate
  • Shares continue to earn dividends
Apply Now

Overdraft Line of Credit

  • Attached to your Align Checking Account
  • No bounced check fees or monthly fees
  • No application fee
  • No prepayment penalties
  • Pay only on the amount you have used plus applicable interest
Apply Now

Credit Builder Loan

  • Low fixed interest rate
  • Borrow from $500 - $2,500
  • Payment history is reported to credit bureaus which will establish your credit history as you make payments
Apply Now

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