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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

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

0 red flags · 1 filed doc

Detected in the CFPB-filed cardholder agreements from Chiropractic Federal 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 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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