August 2025 credit card disclosure

August 2025 credit card disclosure, as filed by Align Credit Union, carries a 11.75% purchase APR and a 7.49% introductory rate. The purchase rate sits at roughly the 7th percentile of the 4,587 agreements indexed here.

What the document actually states

The document behind this page is Align Credit Union's filed agreement for August 2025 credit card disclosure. The filing runs eight pages, and It is issued on the Visa network.

The filing is explicit about a purchase rate, a cash advance rate, a balance transfer rate, a late payment maximum and a foreign transaction fee. No figure appears for a penalty rate and an annual fee line.

The introductory rate

The filing discloses an introductory rate of 7.49% but no term for it.

Among the 763 filings here that disclose an introductory rate, 7.49% sits at about the 90th percentile.

What matters more than the promotion is the rate waiting behind it: 11.75%. A $2,500 balance that survives the promotional window costs roughly $312 a year from that point on.

Pricing the purchase rate

Ranked against the corpus, this purchase APR — 11.75% — sits at approximately the 7th percentile and is comfortably below what most issuers filed.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

This figure is the post-promotional rate. The introductory pricing is handled separately further down.

What a balance actually costs

Put $5,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $623.

Priced at the median of 21.99%, that balance would generate about $1,229 in a year — so this agreement comes in around $606 cheaper for the same debt.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Paying in full

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.

Default pricing

The maximum late fee is $10 — roughly the 6th percentile of the late fee ceilings disclosed across this index.

The fee structure

Taking cash against the card means a cash advance fee of $5 or 2% of the advance, whichever is greater and a cash advance APR of 11.75%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Balance transfers cost 4% of the amount transferred up front and then accrue at 11.75%. On $5,000 that fee is about $200 before any interest is charged.

The filing sets a 2% foreign transaction fee, which adds roughly $60 to $3,000 spent outside the United States.

The issuer's other agreements

8 separate Align Credit Union filings appear in the corpus. Every one of the others that discloses a purchase rate discloses the same 18%, so the issuer's filings are near-identical on pricing and the differences between its cards lie outside the rate table.

The limits of this document

This page cannot tell you an annual fee and penalty pricing, because the filing's disclosure table as read does not contain them.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Go to the source

Everything here is a reading of the filed agreement, eight pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

11.75% places this filing at the inexpensive end of the set, which is the headline here.