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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.

Contact Us

Member Care Center

(800)-942-9575

Available Hours:

Monday - Friday: 8:30am - 4:30pm; Saturday: 9am - 12pm

Branch Hours of Operation

By Email: info@AlignCU.com (please do not include account/Social Security numbers or other sensitive information in your email)

Schedule an Appointment

Schedule a time to meet with a Member Service Representative.

Important Numbers

Replacement ATM/Debit Card	800-942-9575
Lost Stolen ATM/Debit/Credit Card	800-449-7728
Telephone Easy Banking	800-942-9588
Bill Pay Assistance	855-401-9651
Consumer Loan Fax	978-454-3052
Mortgage Servicing Department Fax	978-454-1743
Home Financing Department Fax	978-452-2227
Member Care Center Fax	978-459-2494
Operations Department Fax	978-454-4621

Important Mailing Addresses

Deposit & Loan Payments

Align Credit Union

87 Hale Street

Lowell, MA 01851

FEDEX/Overnight Payment Address

Align Credit Union

87 Hale Street

Lowell, MA 01851

Credit Card Payments

Align Credit Union

P.O. Box 37603

Philadelphia, PA 19101-0603

Student Choice

Phone: 877-530-9782

Mailing address: P.O. Box 5879, Carol Stream , IL 60197

Contact Student Choice

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