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52

Visa Classic

Coloramo Federal Credit Union

One State/TerritoryVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
16.49%
Annual fee
None
0% intro
None
0% transfer
16.49%
Foreign fee
0.8%
Grace period
25 days

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

0 red flags · 5 filed docs

Detected in the CFPB-filed cardholder agreements from Coloramo 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 offered16.49%
Median16.49%
Highest offered16.49%

Balance transfer APR

Promotional window: ? months

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

Lowest offered16.49%
Median16.49%
Highest offered16.49%

Cash advance APR

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

Lowest offered16.49%
Median16.49%
Highest offered16.49%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee0.8%
Purchase transaction feeNone
Late fee$30
Over-limit feeNone
Minimum finance charge$30
Balance computationAverage daily balance including new purchases
Additional fees
Return Payment Fee$30

Rewards, benefits and features

Rewards

None reported

Services
  • Debt cancellation coverage
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityOne State/Territory
StatesCO
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence

Geographic: Mesa, Delta, Montrose, Gunnison, Ouray, Garfield, Rio Blanco, and Moffat Counties

Phone970-243-7280
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (0%)$0
Promo interest at 16.49%$412.25
You save$187.75

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 16.49% afterwards.

Cost to carry a balance
Interest for a year at 16.49%$494.70
Annual / periodic fees$0
Total yearly cost$494.70

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

5 documents filed by Coloramo Federal Credit Union in the 2026 Q1 archive.

More from this issuer