Associated Healthcare Credit UnionSignature RewardsRegistry illustration · issuer artwork unavailable

Signature RewardsAssociated Healthcare Credit Union · state credit union, MN · NCUA 60466

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured

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Purchase APR

14.49%–17.99%

great to no score

Balance transfer

—

Cash advance APR

variable

Annual fee

a year

Foreign fee

of the amount

Grace period

Not offered

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory, reported median duration 6 months	2.99% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Great credit	median 15.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 17.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Poor credit	median 17.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
No credit score	median 17.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	14.49%–17.99% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for balance transfers	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances	2% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	Not offered from the close of each billing cycle	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Transaction fees
Cash advance	2% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	2% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	2% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
First late fee	$35Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
Returned Payment Fee	$35, Charged when a payment made to the VISA account is returned for insufficient funds or other reasons.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
ATM Fee	$10, Charged when used at an ATM, charges 2% or $10 minimumConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Opening conditions	MinnesotaConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Opening conditions	Healthcare Professional, family and MN College graduate and alumni.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

ASSOCIATED HEALTHCARE CU VISA® SIGNATURE REWARDS ACCOUNT TERMS AND CONDITIONSpage 1 of 4

6789 Upper Afton Rd Woodbury, MN 55125 651-383-4000 www.ahcu.org

Information contained in this document is accurate as of Oct. 1st , 202 5 and is subject to change. Thereafter, cardholders may contact Associated Healthcare Credit Union for any updates to the required information below.

ASSOCIATED HEALTHCARE CU VISA® SIGNATURE REWARDS ACCOUNT TERMS AND CONDITIONS

Interest Rates and Interest Charges

Introductory Offer · 2.99% for the first 6 months on all purchases completed within the first 60 days. Annual Percentage Rate (APR) For Purchases, Balance Transfers and Cash Advances · 1 4.99 % – 17.99% After 6 0 days , your APR is based on your creditworthiness. The APR will vary with the market rate based on the Prime Rate. Paying Interest · Your due date is at least 25 days after the close of each billing cycle. Wewill not charge you any interest on purchases if you pay the balance by the due date each month. Minimum Interest Charge · If you are charged interest, the charge will be no less than $0.50. Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees Annual Fee · None Transaction Fees Balance Transfers · 2% with a minimum fee $10.00 and no maximum Cash Advances · 2% with a minimum fee $10.00 and no maximum ATM Fee · 2% with a minimum fee $10.00 and no maximum Foreign Transactions · 2% of each transaction in U.S. Dollars Penalty Fees Late Payment · Upto$35 Returned Payment · Up to $35 Additional Service Fees Express Card Delivery · $35 Replacement Card Fee · $10 Returned Statement Fee · $10 Statement Copy Fee · $5

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

The purpose of this agreement is to establish the terms and conditions of a line-of-credit loan. In this agreement, the words 'I', 'my', 'you' or 'your' mean each person who applies for a Visa Credit Card or who signed the agreement or who uses the credit card or duplicate credit card. The word 'card' means your Visa Credit Card and duplicates of said card. The word 'account' means your Visa Credit Card revolving credit account with ASSOCIATED HEALTHCARE Credit Union. The words 'we', 'us', and 'our' mean ASSOCIATED HEALTHCARE Credit Union.

1 2 3 4No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:associated-healthcare-credit-union:signature-rewards
Fields: Balance Transfer Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:associated-healthcare-credit-union:signature-rewards
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:associated-healthcare-credit-union:signature-rewards
Fields: Intro APR max, Intro APR median, Intro APR min, Introductory APR Offered?, Median Length of Introductory APR, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:associated-healthcare-credit-union:signature-rewards
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:associated-healthcare-credit-union:signature-rewards
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR good, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:associated-healthcare-credit-union:signature-rewards
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR great, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:associated-healthcare-credit-union:signature-rewards
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR no score, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:associated-healthcare-credit-union:signature-rewards
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR poor, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:associated-healthcare-credit-union:signature-rewards
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:associated-healthcare-credit-union:signature-rewards
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:associated-healthcare-credit-union:signature-rewards
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:associated-healthcare-credit-union:signature-rewards
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:associated-healthcare-credit-union:signature-rewards
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:associated-healthcare-credit-union:signature-rewards
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:associated-healthcare-credit-union:signature-rewards
Fields: Other Fee Amount 2, Other Fee Explanation 2, Other Fee Name 2
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:associated-healthcare-credit-union:signature-rewards
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:associated-healthcare-credit-union:signature-rewards
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:associated-healthcare-credit-union:signature-rewards
Fields: Geographic Restrictions, Requirements for Opening, Requirements for Opening Types
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:associated-healthcare-credit-union:signature-rewards
Fields: Professional Affiliation, Requirements for Opening, Requirements for Opening Types
Read exact source ↗

CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Dec 31, 2025: Annual fee, Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Associated Healthcare Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 60466
Branches: 5 in MN
Sources: Government dataset · 1 document · 0 pages cited

Documents

ASSOCIATED HEALTHCARE CU VISA® SIGNATURE REWARDS ACCOUNT TERMS AND CONDITIONSeffective date not parsed

Signature RewardsAssociated Healthcare Credit Union · state credit union, MN · NCUA 60466

Rates and fees