Purchase APR
12.99–17.99%
Annual fee
None
Foreign fee
2%
No score≤619
Carrying $3k for a year ≈ $479.70
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54
Signature Rewards
Associated Healthcare Credit Union
One State/TerritoryVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
14.49–17.99%
Annual fee
None
0% intro
2.99%
0% transfer
None
Foreign fee
2%
Grace period
None
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
17.99%
≤619
17.99%
620–719
17.99%
720+
15.99%
Lowest offered14.49%
Median16.99%
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
- Cashback rewards
- Travel-related rewards
- Other rewards
Services
None reported
Features
- Contactless Payments
- Chip card
Issuer note: Merchandise, gift cards and charitable donations.
Who can get this card
AvailabilityOne State/Territory
StatesMN
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementProfessional Affiliation
Geographic: Minnesota
Affiliation: Healthcare Professional, family and MN College graduate and alumni.
Phone651-383-4000
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 16.99%$509.70
Annual / periodic fees$0
Total yearly cost$509.70
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
Purchase APR
13.49–20.49%
Annual fee
None
Foreign fee
2%
≤619620–719Cashback
Carrying $3k for a year ≈ $509.70
Purchase APR
14.95–18%
Annual fee
None
Foreign fee
1%
≤619620–719Cashback
Carrying $3k for a year ≈ $508.50
Purchase APR
4.90–23.90%
Annual fee
None
Foreign fee
None
No score≤619Other
Carrying $3k for a year ≈ $507