Visa Premier TC (1)

On the record for Visa Premier TC (1): a 17.99% purchase APR and no annual fee, filed by Associated Healthcare Credit Union. That purchase rate ranks near the 28th percentile across this corpus of 4,587 filings.

On the face of the filing

Associated Healthcare Credit Union filed this agreement for Visa Premier TC (1) with the Consumer Financial Protection Bureau. The filing runs four pages, and It is issued on the Visa network.

On the record here: a purchase rate, an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

The purchase rate in context

Ranked against the corpus, this purchase APR — 17.99% — sits at approximately the 28th percentile and comes in under the midpoint of the corpus.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

What a balance actually costs

Put $1,500 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $296.

Priced at the median of 21.99%, that balance would generate about $369 in a year — so this agreement comes in around $73 cheaper for the same debt.

Per statement cycle that is on the order of $22.34 on $1,500, which is the number that actually shows up on a bill.

Small balances do not get a proportionally small bill — the agreement imposes a $0.50 minimum interest charge in any month where interest applies.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

What the card costs before you borrow

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

For cash advances the filing discloses a cash advance fee of $10 or 2% of the advance, whichever is greater.

A balance transfer costs $10 or 2% of the amount transferred, whichever is greater up front. The filing does not separately state the rate applied to transferred balances. Shifting $1,000 across attracts something like $20 in fees on day one.

Foreign transactions attract 2%. On $1,000 of overseas spending that is $20, charged on top of whatever exchange rate applies.

What a missed payment costs

The maximum late fee is $35 — roughly the 54th percentile of the late fee ceilings disclosed across this index.

Paying in full

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.

The $0.50 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

What you cannot learn from the filing

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Against the rest of Associated Healthcare Credit Union's filings

Associated Healthcare Credit Union has 6 agreements indexed on this site. Pricing across this issuer's filings is uniform at 17.99% — the rate table does not distinguish one of its cards from another.

Go to the source

Everything here is a reading of the filed agreement, four pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

The pricing here is middling by the standards of the index — 17.99% on purchases is near enough to typical.