Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Purchase APR | 9.9% |
|---|---|
| Balance transfer APR | 9.9% |
| Cash advance APR | 9.9% |
| Late payment fee | up to $25 |
| Foreign transaction fee | 1% |
| Grace period | 25 days |
| Network | Visa |
Analysis
Chiropractic Federal Credit Union's filed agreement for 48 48 Classic Credit Card Agreement discloses a 9.9% purchase APR. Against the 4,587 filings on this site, that rate lands around the 5th percentile.
What the agreement puts on the record
Chiropractic Federal Credit Union filed this agreement for 48 48 Classic Credit Card Agreement with the Consumer Financial Protection Bureau. It is issued on the Visa network and the filing runs six pages.
The filing is explicit about a purchase rate, a cash advance rate, a balance transfer rate, a late payment maximum and a foreign transaction fee. No figure appears for a penalty rate and an annual fee line.
The purchase APR against the corpus
Measured against every other filing on the site, 9.9% is about the 5th percentile for purchase APR; it sits in the bottom few percent of everything filed.
What the rate means in dollars
A $4,000 balance left untouched for twelve months accrues about $416 in interest at this purchase rate.
A typical filing in this index would charge about $983 on that balance; this one is roughly $567 a year below it.
Month to month it reads as about $32.68 per cycle on that balance.
Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.
The no-interest path
Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.
The downside terms
$25 is the disclosed ceiling on a late payment fee, placing it near the 32nd percentile of the set.
The fee structure
For cash advances the filing discloses a cash advance APR of 9.9%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.
Transferred balances are priced at 9.9%; no separate transfer fee was captured from the filing.
The filing sets a 1% foreign transaction fee, which adds roughly $10 to $1,000 spent outside the United States.
What the filing does not tell you
This page cannot tell you an annual fee and penalty pricing, because the filing's disclosure table as read does not contain them.
An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.
Reading the agreement yourself
The filed PDF is linked from this page and runs six pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.
In short
The purchase rate of 9.9% is one of the cheaper figures in this index — the central point in the agreement's favour.
The source document
This page is a reading of one document: the cardholder agreement Chiropractic Federal Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Chiropractic Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Chiropractic Federal Credit Union
This is the only agreement from Chiropractic Federal Credit Union in the database with enough disclosed terms to publish. See the issuer's full filing list.
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.