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45

Premier

Associated Healthcare Credit Union

RegionalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
12.99–17.99%
Annual fee
None
0% intro
2.99%
0% transfer
None
Foreign fee
2%
Grace period
None

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

0 red flags · 6 filed docs

Detected in the CFPB-filed cardholder agreements from Associated Healthcare 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

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered12.99%
Median15.99%
Highest offered17.99%

Introductory purchase APR

Promotional window: 6 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered2.99%
Median2.99%
Highest offered2.99%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered2%
Median2%
Highest offered2%

Every fee on this card

Annual feeNone
Balance transfer fee2% (min $10)
Cash advance fee2% (min $10)
Foreign transaction fee2%
Purchase transaction feeNone
Late fee$35
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$35
ATM Fee$10

Rewards, benefits and features

Rewards

None reported

Services

None reported

Features
  • Contactless Payments
  • Chip card

Who can get this card

AvailabilityRegional
StatesMN
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementProfessional Affiliation

Geographic: Minnesota

Affiliation: Healthcare professional and family, alumni or attendee of MN colleges

Phone651-383-4000
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 15.99%$479.70
Annual / periodic fees$0
Total yearly cost$479.70

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

6 documents filed by Associated Healthcare Credit Union in the 2026 Q1 archive.

More from this issuer