Align Visa

Align Credit Union

RegionalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+

Issuer site ↗

Purchase APR

11.75–16.75%

Annual fee

None

0% intro

7.49%

0% transfer

7.49%

Foreign fee

Grace period

None

Contract X-Ray — what's buried in the fine print

0 red flags · 8 filed docs

Detected in the CFPB-filed cardholder agreements from Align Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score

16.75%

≤619

16.75%

620–719

13.75%

720+

11.75%

Lowest offered11.75%

Median13.75%

Highest offered16.75%

Introductory purchase APR

Promotional window: 12 months

No score

—

≤619

—

620–719

—

720+

7.49%

Lowest offered7.49%

Median—

Highest offered7.49%

Balance transfer APR

Promotional window: 12 months · grace period retained on purchases

No score

—

≤619

—

620–719

—

720+

7.49%

Lowest offered7.49%

Median—

Highest offered7.49%

Cash advance APR

No score

—

≤619

—

620–719

—

720+

7.49%

Lowest offered7.49%

Median—

Highest offered16.75%

Every fee on this card

Annual feeNone

Balance transfer fee4%

Cash advance fee2% (min $5)

Foreign transaction fee2%

Purchase transaction feeNone

Late fee—

Over-limit feeNone

Minimum finance charge$25

Balance computationAverage daily balance including new purchases

Late fee policy: 10.00% of the amount of the outstanding balance, if you are 15 or more days late in making a payment. However, the fee will not exceed $10.00.

Rewards, benefits and features

Rewards

None reported

Services

None reported

Features

Contactless Payments
Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityRegional

StatesMA

Membership requirementsYes

RequirementGeographic Restrictions Beyond Place of Residence

RequirementProfessional Affiliation

RequirementOther. Please Describe:

Geographic: Must be an Align Member. Align Membership is open to anyone who lives, works or attends school in many cities and towns throughout Massachusetts and Southern New Hampshire.

Affiliation: Telephone worker

Phone8009429575

Balance transfer calculator

Balance to move$5,000

Your current APR24%

Stay put — 12 mo at 24%$600

Transfer fee (4%)$200

Promo interest at 7.49%$187.25

You save$212.75

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 13.75% afterwards.

Cost to carry a balance

Average balance carried$3,000

Interest for a year at 13.75%$412.50

Annual / periodic fees$0

Total yearly cost$412.50

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the stated-day grace period avoids the interest entirely.

Cardholder agreements

8 documents filed by Align Credit Union in the 2026 Q1 archive.