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.

Loans & Lines of Credit

From short-term projects or equipment purchases to that next big move, Align can provide the right financing and support you need in order to achieve your goals, now and in the future. All of our business loans feature flexible terms, fewer fees, and better rates. Our lines of credit can give you the purchasing power you need to meet your business objectives and we can help you choose the best financing solution.

We understand that no two businesses are the same and our expert business lending team has the experience and knowledge to create customized solutions for your company. All lending decisions are made locally, so we can respond quickly to your request. With a full suite of products that include Small Business Administration (SBA) Loans, Term Loans, and Business Lines of Credit, we can offer you a lending solution tailored to your business’s best interests.

Business Line of Credit

  • Competitive rates and terms 
  • Amounts available from $15,000 - $250,000 
  • Secured and unsecured options available 
  • Advance only what you need  
  • Creates an easily accessible reserve for your business
APPLY NOW

Business Term Loan

  • Uses include capital expenditures, equipment purchases, and debt consolidation 
  • Funds advanced at closing
  • Flexible terms and repayment options 
  • Fixed rate for easy budgeting 
  • Secured and unsecured options available 
  • No prepayment penalties
APPLY NOW

Small Business Administration (SBA) Loan

  • Qualified Small Business Administration (SBA) Lender 
  • SBA 7(a), SBA Express, and SBA 504 Loan Programs offered 
  • Beneficial for businesses of all sizes – from start-ups to mature companies 
  • A wide range of purposes and uses
Contact Us

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