membership
Q: What are the membership eligibility criteria for Coloramo Federal Credit Union?
A: Coloramo is a Community Charter, which means we can serve anyone who lives, works, attends school, or has immediate family who qualifies by any of those criteria in Mesa, Delta, Montrose, Gunnison, Ouray, Garfield, Rio Blanco, and Moffat Counties. Unlike other more restrictive credit unions, Coloramo emphasizes inclusivity and supports the local community across multiple counties.
Q: Does Coloramo offer a referral program?
A: Yes! If you have a friend or family member who is looking to find their perfect financial fit, be sure to tell them about Coloramo! When they join and mention your name, you will get a referral bonus deposited into your savings account! Ask us for more details.
Credit Cards
Q: What types of Visa credit cards does Coloramo Federal Credit Union offer and how are the credit limits determined?
A: Coloramo Federal Credit Union offers three types of Visa credit cards: the Visa Secured Card, the Visa Classic Card, and the Visa Platinum Card. Credit limits for these cards are determined based on factors such as creditworthiness, income, and overall financial health. This personalized approach aligns credit limits with each member's financial situation. For more information on your potential credit limit, contact us directly or visit a branch.
Q: How can I find out my potential credit limit for a Coloramo Visa credit card?
A: For accurate information regarding your potential credit limit, it is best to contact Coloramo FCU directly or visit one of our branches.
Q: Can applying for a credit card at Coloramo help with establishing or improving my credit?
A: Yes, choosing a Visa credit card from Coloramo can support your financial goals, including establishing or improving your credit.
Q: Where can I apply for a Coloramo Visa credit card?
A: You can apply for a Coloramo Visa credit card online or by visiting one of our branches or by contacting us directly for assistance.
Q: Does Coloramo Federal Credit Union offer a cash back Visa credit card?
A: Yes, Coloramo Federal Credit Union offers a cash back Visa credit card, our Visa Platinum card. The Platinum card comes with No Annual Fee, No Overlimit Fee, Competitive Low Rate, and the ability to Access Platinum Visa card rewards—including cash back—in your online banking! Watch this helpful tutorial to see how to access your rewards.
Q: What's the credit limit on Coloramo FCU Visa credit cards?
A: Credit limits for our cards are determined based on factors like creditworthiness, income, and overall financial situation. For personalized credit limit information, it's best to contact Coloramo directly. We are happy to help!
accounts
Q: How do I open an account at Coloramo Federal Credit Union?
A: Opening an account at Coloramo Federal Credit Union is a seamless and quick process that can be completed online. Simply fill out the application form, or stop by a branch to open an account in person. You can schedule an appointment for a new account here. Ensure you have your Social Security Number, a valid ID, and proof of address handy.
online banking
Q: How do I log in to Coloramo Federal Credit Union online banking?
A: To access Coloramo Federal Credit Union's online banking services, follow these steps:
Navigate to Coloramo Federal Credit Union's homepage.
Locate the Login Section: On the homepage, find the "Online Banking" button at the top right corner.
Enter Your Credentials.
Access Your Account: Click the "Login" button to enter your online banking account.
First-Time Users:
Enrollment: If you haven't registered for online banking, click the “Enroll” option on the login page. You'll need to provide personal information to verify your identity and set up your online access.
Mobile Banking:
Mobile App: For convenient access on the go, download the Coloramo Federal Credit Union mobile app:
iOS Devices: Available on the App Store.
Android Devices: Available on the Google Play Store.
App Features: The mobile app allows you to view account details, transfer funds, deposit checks remotely, pay bills, and more.
Assistance:
Customer Support: If you encounter any issues or have questions, contact Coloramo Federal Credit Union at (970) 243-7280 or visit a local branch for personalized assistance.
Watch Tutorials: We have several Online Banking tutorials to help you, available on our YouTube channel.
mortgage loans
Q: What are the types of mortgage solutions offered by Coloramo Federal Credit Union?
A: Coloramo offers First Mortgage Loans, Home Equity Loans and Lines of Credit, Home Mortgage Refinancing, Construction Loans, as well as FHA & VA Mortgage Loans.
Q: What support does Coloramo Federal Credit Union offer to first-time homebuyers in Western Colorado?
A: Coloramo Federal Credit Union offers tailored home lending solutions designed to make homeownership more accessible and affordable for first-time homebuyers in Western Colorado. We provide a comprehensive range of mortgage solutions, including first mortgage loans, home equity loans, and refinancing options, with quick turnaround times thanks to in-house underwriting. Additionally, our knowledgeable staff guides members through the home-buying process, offering education and answering questions to ensure informed decision-making. Learn more at our mortgage page.