Coloramo Credit Union Fruita CO | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Coloramo, your trusted credit union located at 333 W Aspen Ave, Fruita, CO 81521. Since opening our doors in 1953, we have proudly served our community with dedication and commitment, growing to a membership of over 12,544 individuals who rely on us for their financial needs. With total assets amounting to an impressive $177,331,584, we are well-equipped to provide personalized banking solutions. At Coloramo, we believe in supporting our members through every stage of their financial journey. Whether you are looking for a new auto loan where we have facilitated over 5,896 loans or need assistance with personal banking services such as checking and savings accounts, we've got you covered. Our deposits currently stand at $8,862,502, reflecting the trust our members place in us. Led by our CEO, Anthony Restivo, and Board President Keith Larsen, our team of 41 dedicated employees works tirelessly to ensure that you receive exceptional service tailored to your unique needs. We understand that navigating finances can be challenging; that's why we're here to help you make informed decisions. While members can visit us at our branch address for in-person assistance, official correspondence should be sent to our mailing address: 516 28 Road, Grand Junction, CO 81501. Explore more about what we offer by visiting our website at Coloramo.org. If you're ready to take the next step towards achieving your financial goals or simply have questions about your options, don't hesitate to call us at 970-243-7280. We're here for you!

Branch History & Mission

Accessibility & Convenience

To better serve you, our branch offers convenient operating hours from 7:30 AM to 5:30 PM on weekdays and 9:00 AM to 12:00 PM on Saturdays. We also provide essential services like ATM access and drive-thru banking to ensure your transactions are quick and easy. If you're unable to visit us in person at 333 W Aspen Ave, you can reach us at 970-243-7280 or send official correspondence to our mailing address at 516 28 Road, Grand Junction, CO 81501. As technology evolves, so do we. Our digital advancements include online banking, mobile payments, e-statements, and person-to-person payment options ensuring that your banking experience is not only secure but also convenient.

Join Us Today!

Coloramo isn't just a credit union; it's a community hub where everyone can thrive financially. We invite you to join us today! Experience firsthand the personalized service that sets us apart as a trusted partner in your financial journey. Together, let's build a brighter future for Fruita! For more information on membership eligibility or to open an account online, please visit our website.

Our Mission

At Coloramo, our mission goes beyond just banking; it's about building relationships and enhancing lives. We strive to provide exceptional personal banking services including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and more. Our goal is to ensure that every member feels valued and supported on their financial journey. We understand the importance of being there for our members during both good times and challenging moments. That's why we actively engage in community outreach efforts and partnerships that create positive change in Fruita. Whether it's sponsoring local events or collaborating with non-profits to support those in need, we believe that together we can make a real difference.

Branch Location & Accessibility

Convenient Access and Parking

When you visit us, you'll find ample parking available right outside our door, making it easy for you to pop in for a quick transaction or a longer consultation. Our facility is designed with accessibility in mind, featuring ramps and ADA-compliant entry points to ensure everyone can access our services comfortably.

Get in Touch!

If you have any questions or need assistance, feel free to give us a call at 970-243-7280. Our friendly team is ready to assist you! While members can visit us at 333 W Aspen Ave, official correspondence should be sent to our mailing address at 516 28 Road in Grand Junction. We invite you to stop by and experience the warm welcome that Coloramo has to offer. Your financial success is our priority!

Operating Hours

We understand that life gets busy, which is why we offer flexible operating hours. Our lobby is open Monday through Friday from 7:30 AM to 5:30 PM, allowing you plenty of time to stop by after work or during your lunch break. On Saturdays, our drive-thru service is available from 9:00 AM until noon, so you can still take care of your banking needs over the weekend.

Services Offered

At Coloramo, we offer a variety of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans and mortgage refinancing, our knowledgeable staff is here to help. We also provide online and mobile banking options for those who prefer managing their finances on-the-go. Plus, enjoy the convenience of our drive-thru banking for quick deposits and withdrawals!

Member Eligibility

At Coloramo, we believe that everyone deserves a chance to be part of a supportive community that values your financial well-being. Joining us is easy! If you live, work, worship, or attend school in the Fruita area, you're already eligible to become a member. We welcome individuals and families alike, making it simple for you to access our wide range of services designed just for you. Whether you're looking for personal banking options like checking and savings accounts, or exploring auto loans and mortgage solutions, being a member at Coloramo opens up a world of opportunities tailored to your needs. To get started on your journey with us, simply visit our eligibility page at https://coloramofcu.formstack.com/forms/new_membership for more details on membership requirements. Ready to open an account? It's as easy as clicking here: https://online.coloramo.org/enrollment . If you have any questions or need assistance, don't hesitate to reach out at (970) 243-7280. We're excited to welcome you into the Coloramo family!

Business Banking & Commercial Services

Financing Options Tailored for You

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $166 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $13,231,710, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make a Difference

In addition to loans, our merchant services simplify payment processing, allowing you to focus on what matters most running your business. Imagine being able to accept payments easily from your customers while managing your finances all in one place. This practical solution helps streamline operations and enhance customer satisfaction. Visit us at 333 W Aspen Ave Fruita Co 81521 in Fruita, CO, or call us at (970) 243-7280 to learn more about how we can partner with you for success. Your growth is our priority!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're considering purchasing a new vehicle, our auto loans and vehicle financing options make it easier than ever. We understand that buying a car is a significant investment. That's why we offer competitive rates and flexible terms to fit your budget.

Business Banking Services

For our business members, we provide comprehensive business banking services, including merchant services and business loans. We understand that running a business comes with unique challenges, and we're here to help you navigate them successfully.

Convenience at Your Fingertips

In addition to traditional banking services, Coloramo offers robust online and mobile banking platforms. You can manage your accounts on-the-go with features like mobile payments and person-to-person transfers. Enjoy the ease of managing your finances from the comfort of your home or while out and about.

Credit Cards with Rewards

Take advantage of our credit cards with rewards program! Earn points on every purchase that can be redeemed for travel, gift cards, or cash back. It's an excellent way to make your spending work for you while enjoying added benefits.

Drive-Thru & Shared Branch Transactions

For those who prefer face-to-face interactions, our basic drive-thru banking allows for deposits, withdrawals, and simple transactions without leaving your car. Plus, if you're visiting from another credit union that partners with us, take advantage of our shared branch transactions for easy deposits and withdrawals. At Coloramo in Fruita, we strive to create meaningful financial solutions that empower our members. For any questions or to learn more about how we can assist you with your financial needs, please call us at 970-243-7280 or visit us at 333 W Aspen Ave Fruita Co 81521. Ready to start your journey with us? Explore more about opening an account today!

Mortgage Loans & Refinancing

Thinking about buying a home or refinancing your existing mortgage? Our mortgage loans and refinancing services provide the resources you need to make informed decisions. Our knowledgeable staff can guide you through the application process, ensuring you find a loan that suits your financial situation.

Personal Banking

Our personal banking services include various options for checking and savings accounts designed to help you manage your finances effectively. With features like online and mobile banking, you can access your accounts anytime, anywhere. Need cash? Our ATMs are conveniently located for easy withdrawals and balance checks.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans offer quick access to funds when you need them most. If you're looking to simplify your finances, consider our debt consolidation options, which can help combine multiple debts into one manageable payment.

Digital & Online Banking

Key Features of Our Online Banking

With just a few clicks, you can visit us at https://www.coloramo.org/ to explore all the online banking options available. Our platform provides 24/7 access, allowing you to check balances, pay bills, and transfer funds whenever you need. Plus, our electronic signature authorization makes document signing a breeze no more printing or mailing!

Mobile Banking on Your Terms

Our mobile application offers even more flexibility. You can use it for mobile payments, making transactions quick and easy right from your smartphone. Want to send money to a friend? Our person-to-person transfer feature allows you to do that effortlessly. At Coloramo, we understand that managing your finances should fit seamlessly into your life. That's why our online banking services are designed for ease of use and real-time account management. Whether you're logging in from a computer or using our app on your phone, you can trust that your information is secure. Join us today at https://www.coloramo.org/ and take control of your banking experience!

Stay Organized with E-Statements

Say goodbye to cluttered mailboxes! With our e-statements availability, you can receive your account statements electronically. This not only keeps things organized but also enhances security by minimizing the risk of sensitive information falling into the wrong hands.

Financial Strength

Commitment to Your Future

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Coloramo is your trusted partner. Visit us at 333 W Aspen Ave Fruita Co 81521 or call 970-243-7280 to learn more about how we can help you achieve your financial goals.

Dedicated Team Support

We also take pride in having 38 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts stand at 24,850, showing a strong and growing member base that trusts us with their finances.

Operational Efficiency

Our operational efficiency is reflected in our performance with a net income of $0, showcasing our commitment to maintaining a healthy balance sheet while continuing to invest back into the community and enhancing member services.

Secure Savings Options

Members' savings are secured through $28,728,985 in share certificates and $45,742,081 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $10,869,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $16,719,992, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 943 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Earnings Reinvestment

With $16,683,504 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our total loans and leases amount to $136,883,644, which includes $21,144 in used auto loans. This lending capacity supports members' financial goals across various sectors.

Loan Offering

Additional Services

For those looking to expand their business or manage cash flow, we have outstanding commercial loans totaling $13,231,710, providing the capital needed for growth and stability. Additionally, if you're interested in personal loans or debt consolidation options, we can guide you through our competitive offerings. If you're ready to explore these opportunities further or want more information about our loan products at Coloramo, don't hesitate to reach out. You can contact us at (970) 243-7280 or visit us at our branch located at 333 W Aspen Ave Fruita Co 81521 in Fruita, CO. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to supporting your financial journey!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We currently have $40,716,251 in used vehicle loans and $9,248,637 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we can assist you every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $13,251,277, make buying or refinancing simple. If you're considering refinancing your current mortgage, ask us about eligibility options that could save you money over time.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $1,427,483 in loans helping members manage their finances effectively, our credit cards provide the convenience and support you need for everyday purchases and unexpected expenses.

Loan Aggregator

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This means that the offers presented are fair and transparent. LendMesh prioritizes user trust by ensuring that all data is verified, giving users confidence in their choices.

COLORAMO FEDERAL CREDIT UNION - Fruita, CO