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.

Homebuyer Webinars

Join Us for Homebuyer Webinars

The path to home ownership starts now! Attend one of Align's FREE Homebuyer Webinars to learn about the entire process. Our mortgage professionals will answer all your home-buying questions, including:

  • How do I get pre-approved?
  • What type of mortgage is right for me?
  • What is the process and timeline?
  • How do I make an offer on a property?
  • What are the benefits of borrowing locally?
  • Can I still buy a home if I have had past credit issues?

BONUS: All attendees will receive a coupon for $500 off closing costs* on your Align mortgage.

Homebuyer Webinar - July 16, 2025

REGISTER TODAY!

Homebuyer Webinar - August 20, 2025

REGISTER TODAY!

Homebuyer Webinar - September 17, 2025

REGISTER TODAY!

Homebuyer Workshop - October 29, 2025 (In Person)

This workshop will be held in person at the lobby of the Align Credit Union Branch located at 87 Hale Street, Lowell MA 01851

REGISTER TODAY!

Disclosure:
*Valid for new home purchase mortgages or portfolio restart refinance. Mortgage application must be received and funded by 12/31/2025 with attendance of Align Homebuyer Webinar. $500 will be credited to closing. Limit one (1) per application. Not valid for refinanced mortgages or non-owner occupied home. Subject to credit approval. An account at Align Credit Union must be established prior to the loan closing in order to meet the membership eligibility requirements.

Featured Rates

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30 Year Fixed

As low as
6.485
% APR**
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3/1 ARM

As low as
6.475
% APR**
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30 Year Fixed Jumbo

As low as
6.422
% APR**
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