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.

Internet Fraud

Phishing

Phishing is a rapidly increasing issue for your privacy and information. This is a scam executed through certain emails and websites that will pose as a legitimate agency or website and ask users for their personal information. Emails posing as a known brand name will ask for your account information for "security, "rewards", and a handful of other excuses. Put a legitimate, secure email and a phishing next to each other and it can be hard to spot the differences. These emails are created to steal your money so they have to look as realistic as they can.

  • Do not trust an email that requests personal financial information.
  • Be sure not to click on links within an email unless you are certain it is legitimate.
  • Setup your spam filter to automatically block all unwarranted incoming mail. Occasionally double check your spam folder to make sure an expected document did not end up in the folder.
  • Always keep computer browsers and software to date.
  • Spear phishing is a more focused and organized attacked on a select number of individuals of a business.
  • Avoid completing and sending forms via email that request personal financial information.
  • If you see a deal that sounds too good to be true, it's because it is.
  • If you do your banking and shopping on a computer that has multiple users, consider buying a personal computer or laptop for yourself to do those transaction. You may be aware of phishing, but the other users may be more susceptible. The more users, the higher the chance for the computer to obtain malware. 

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