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Visa Secured

Coloramo Federal Credit Union

Secured cardOne State/TerritoryVariable · PrimeNo credit score
Issuer site ↗
Purchase APR
7.90%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
0.8%
Grace period
25 days

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 offered7.90%
Median7.90%
Highest offered7.90%

Cash advance APR

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

Lowest offered7.90%
Median7.90%
Highest offered7.90%

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 chargeNone
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, Moffat Counties

Phone970-243-7280
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 7.90%$237
Annual / periodic fees$0
Total yearly cost$237

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.

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