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64

VISA

Chiropractic Federal Credit Union

NationalFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
9.90%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days

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 offered9.90%
Median9.90%
Highest offered9.90%

Cash advance APR

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

Lowest offered9.90%
Median9.90%
Highest offered9.90%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Late fee policy: If you are 15 or more days late in making a payment, a late charge of 5% of the amount past due (not less than $1.00 and not to exceed $25.00) will be added to your account. In no event will the amount of the Late Fee exceed the amount of the scheduled Mi

Rewards, benefits and features

Rewards
  • Other rewards
Services

None reported

Features
  • Chip card

Issuer note: ScoreCard points

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementProfessional Affiliation

Affiliation: Membership with Chiropractic Federal Credit Union is available to licensed Chiropractors in the State of Michigan; members of the Michigan Association of Chiropractors (MAC), members of the Minnesota Chiropractic Association (MCA); members of the Ohio Sta

Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 9.90%$297
Annual / periodic fees$0
Total yearly cost$297

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

1 document filed by Chiropractic Federal Credit Union in the 2026 Q1 archive.

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