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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

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 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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