It happened at the Coloramo Federal Credit Union on Highway 50 at around 3:15 p.m. A man approached the bank teller and insisted on money. The suspect then fled on foot with another man, accordingLocations & Hours. Example: 10026 W. San Juan Way Littleton CO 80127. Enter an address, zip code, or city and state to begin your search. Refine your search. Search results. Colorado Credit Union location and hours.Coloramo Federal Credit Union | 258 sledujících uživatelů na LinkedIn. Building lifelong member relationships to help our members meet their needs of today & reach their dreams for tomorrow! | Coloramo Federal Credit Union was established on June 8, 1953. Coloramo originally consisted of only eight members who were Colorado Raw Materials … Coloramo was founded in June 1953 here in Grand Junction. Up until 2002 we served only federal agency employees and select employee groups. We applied to convert to a Community Charter and we have been able to serve all Mesa County residents since 2002. Legal Name Coloramo Federal Credit Union. Company Type For Profit. Contact Email [email protected]. Phone Number +1 800 528 2273. Coloramo Federal Credit Union is a financial service company. It offers services like loans, business services, online loan payments, mortgage services, debit cards, mobile payments, and more.We would like to show you a description here but the site won’t allow us.About us. Coloramo Federal Credit Union was established on June 8, 1953. Coloramo originally consisted of only eight members who were Colorado Raw Materials Office …Click here for Coloramo Federal Credit Union's banking Disclosures and Documents plus a copy of our membership agreement. Learn why we are the best! ... Coloramo Visa Credit Cards. PIN reset & activation: (877) 205 - 0143 Lost or stolen card: (833) 933 -1681 File a dispute on a transaction: (866) 279 -1399.2706 Highway 50 Grand Junction, CO 81503. Coloramo Federal Credit Union offers a vast network of ATMs for its members to access their accounts and perform financial transactions on-the-go. Our ATMs are conveniently located at credit union branches, shopping centers, and retail locations across the country.Coloramo Scholarship Application. Please complete this application (PRINT NEATLY OR TYPE) as accurately as possible and return it to the Scholarship Selection Committee, Coloramo Federal Credit Union (CFCU), 516 28 Road, Grand Junction, CO 81501, postmarked on, or before, March 31st. Step 1 - general information.Download apps by Coloramo Federal Credit Union, including R1 - Real One, Coloramo Connect, and Coloramo Federal Credit Union.Coloramo Federal Credit Union Q3 2023 Financial Summary Now Available. Find Coloramo Federal Credit Union Credit Union Near Me from 3 branches using your current location or from any U.S. address.Coloramo Federal Credit Union | 276 followers on LinkedIn. Building lifelong member relationships to help our members meet their needs of today & reach their dreams for tomorrow! | Coloramo Federal Credit Union was established on June 8, 1953. Coloramo originally consisted of only eight members who were Colorado Raw Materials Office …Sep 7, 2023 · 2706 Highway 50 Grand Junction, CO 81503. Coloramo Federal Credit Union offers a vast network of ATMs for its members to access their accounts and perform financial transactions on-the-go. Our ATMs are conveniently located at credit union branches, shopping centers, and retail locations across the country. COLORAMO FEDERAL CREDIT UNION : Office Type: Main office: Delivery Address: 516 28 ROAD, GRAND JUNCTION, CO - 81501 Telephone: 970-243-7280: Servicing FRB Number: 101000048 Servicing Fed's main office routing number: Record Type Code: 1 The code indicating the ABA number to be used to route or send ACH items to the RFI. 0 = …Dec 13, 2021 · History. Credit Union of Colorado, founded in 1934, has occupied its current headquarters in downtown Denver for more than 56 years. When we started construction on the Logan Street headquarters in 1962, it was state-of-the-art, mid-century modern. We are excited to have a 21st-century headquarters in 2023, that will serve the credit union for ... We've moved. Our downtown branch is no longer at 1390 Logan Street. We are now located down the way at 1275 Tremont Place and now offer drive thru service. 1275 Tremont Place. Denver, CO 80204. United States. 800-444-4816. Coloramo Visa Credit Cards. PIN reset & activation: (877) 205 - 0143 Lost or stolen card: (833) 933 -1681 File a dispute on a transaction: (866) 279 -1399. Coloramo Visa DEBIT Cards. Lost or stolen card after hours: USA (970) 609 - 7461 International (909) 941 - 1398 Coloramo Federal Credit Union. Coloramo Federal Credit Union was established with an Organization Certificate on June 8, 1953 issued by the Bureau of Federal Credit Unions. It started with eight original members purchasing one share at the par value of $5, providing assets of $40. The original members were Colorado Raw Materials Office employees.Rates as Low as 6.74% APR! If you're ready to shop for a car, consider a Bellco Credit Union auto loan, which features some of the best auto loan ...Coloramo Federal Credit Union offers a feature-rich and intuitive mobile banking app designed to meet the banking needs of the community. The app is available for iPhone users and provides a seamless digital banking experience. With the Coloramo FCU mobile banking app, users can easily view their account details and transaction history ...Coloramo Scholarship Application. Please complete this application (PRINT NEATLY OR TYPE) as accurately as possible and return it to the Scholarship Selection Committee, Coloramo Federal Credit Union (CFCU), 516 28 Road, Grand Junction, CO 81501, postmarked on, or before, March 31st. Step 1 - general information.Join Clockwise Now. Check you're eligible. To join Clockwise Credit Union you need to meet our eligibility criteria. Please confirm you are eligible to apply by selecting one of the …About us. Coloramo Federal Credit Union was established on June 8, 1953. Coloramo originally consisted of only eight members who were Colorado Raw Materials Office …Top 10 credit unions unveils the top 10 Best Credit Union websites in California! We specialize in choosing the 10 most gorgeous, ADA compliant website ...Leora also has extensive experience in running end-to-end lending operations in the Credit Union space. Leora currently serves on numerous industry Boards, including the Colorado Mortgage Lenders Association. Since 2008, and an industry influencer, Leora is incredibly passionate about spreading awareness on helping everyone achieve the American …Coloramo $1,000 Scholarship - If we can be a part of someone's success, make a difference in some small way, we want to help. That’s why we continue with...Coloramo Federal Credit Union | 259 followers on LinkedIn. Building lifelong member relationships to help our members meet their needs of today & reach their dreams for tomorrow! | Coloramo Federal Credit Union was established on June 8, 1953. Coloramo originally consisted of only eight members who were Colorado Raw Materials Office …Credit Union checking accounts are also known as share draft accounts. 7. Must be the age 55 or better to qualify, other restrictions may apply. ... Coloramo Visa Credit Cards. PIN reset & activation: (877) 205 - 0143 Lost or stolen card: (833) 933 -1681 File a dispute on a transaction: (866) 279 -1399.Discover all credit union branch locations in Grand Junction, Colorado. Our interactive map and comprehensive list guide you to the nearest service points. ... Coloramo Federal Credit Union. Main Office. 516 28 Road Grand Junction, CO 81501; Open Today: 9:00 am - 1:00 pm. Branch Details. Orchard Mesa Branch. 2706 Highway 50 Grand Junction, CO ... Locations. | Routing # 302176580. (970) 243-7280 Video Call Set an Appointment. Make a Payment. Online Banking. Coloramo FCU offers all the services of a national bank without the hassle. Learn about our online bill pay, instant debit card, remote deposits and more. Read our Harborstone Credit Union Business Cash Preferred Card review if you’re a depositor and want to earn cash back. Credit Cards | Editorial Review Updated May 11, 2023 REVIEWE...The routing number for Coloramo Federal Credit Union is 302176580. Coloramo Federal Credit Union is located at this address: 516 28 Road, Grand Junction, Colorado. In case of mail delivery, this is the full address you should use: To contact Coloramo Federal Credit Union by phone, call: (970) 243-7280.Background. Grand Junction Federal Credit Union is headquartered in Grand Junction, Colorado has been serving members since 1957, with 1 branch from Main Office. The Main Office is located at 633 24 Road, Grand Junction, Colorado 81505. Contact Grand Junction at (970) 243-1370. Access Grand Junction Federal Login, hours, phone, financials, and ...If you’re shopping for a place to keep your money, you have several options. National banks offer the convenience of a large number of ATMs and branches. Local banks give you perso...Credit unions are financial institutions controlled and owned by their members. The United States has nearly 8,000 federally insured credit unions, serving almost 90 million member...Currently led by Mike Moyes, the Coloramo FCU has grown its membership to over 9,431 with assets of more than $93,826,821. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (970) 243-7280 or email them at [email protected] to get exact details . There are many other credit unions in ...Read reviews, compare customer ratings, see screenshots and learn more about Coloramo Federal Credit Union. Download Coloramo Federal Credit Union and enjoy it on your …Find a local credit union location near you today! Blue Federal Credit Union has 21 branch locations, including 13 branches in Colorado and 8 in Wyoming. ONLINE BANKING NOTICE: Our online banking system, Blue Digital, will be undergoing maintenance from Saturday, March 16, 2024, at 11:00 PM to Sunday, March 17, 2024, at 3:00 AM.Coloramo Federal Credit Union - Grand Junction, CO (Main Office) Headquarters. 516 28 Road Grand Junction, CO81501. Get Directions. Open Today. Saturday, March 23, 2024. …When it comes to managing your finances, choosing the right credit union is crucial. In Colorado, one credit union that stands out among the rest is Ent Credit Union. One of the ma...Coloramo Federal Credit Union Available services. Checking Account Online Banking Mobile App Debit Cards Auto Loans Mortgage Loans. Join now. Contact. Head Office. 516 28 Rd, Grand Junction, CO 81501, United States. Get directions. Head Office mail. 516 28 Road, Grand Junction, CO 81501, USA.Options to pay your loan at Colorado Credit Union. Skip Navigation Download Adobe® Acrobat Reader to view. ROUTING# 302075267 | Locations | Rates. Colorado Credit Union. ROUTING# 302075267 | Locations | Rates. Open Search. × Close Search. Search Input Search This Site. Login Login .It happened at the Coloramo Federal Credit Union on Highway 50 at around 3:15 p.m. A man approached the bank teller and insisted on money. The suspect then fled on foot with another man, according1. 302176580. 516 28 ROAD. GRAND JUNCTION. COLORADO. On this page We've listed above the details for ABA routing number COLORAMO FEDERAL CREDIT UNION used to facilitate ACH funds transfers and Fedwire funds transfers. Online banking portal: You'll be able to get your bank's routing number by logging into online banking.The COLORAMO FCU of COLORAMO FEDERAL CREDIT UNION is located in GRAND JUNCTION, CO at 516 28 Rd. See location on map below. For additional information, such as hours of operation, please call (970) 243-7280 .Glassdoor gives you an inside look at what it's like to work at Coloramo Federal Credit Union, including salaries, reviews, office photos, and more. This is the Coloramo Federal Credit Union company profile. All content is posted anonymously by employees working at Coloramo Federal Credit Union. See what employees say it's like to work at ...Coloramo FCU mobile banking is a more intuitive and feature-rich digital experience to help our community with their banking needs. We proudly serve anyone who: Lives, works, attends school, or has immediate family who qualifies by any of the above criteria in Mesa, Delta, Montrose, Gunnison, Ouray,…Who is Coloramo Federal Credit Union. It started with eight original members purchasing one share at the par value of $5, providing assets of $40. The original members were Colorado Raw Materials Office employees. From serving members in the log cabin at the Atomic Energy Commission compound until 1984 Read More.If you’re shopping for a place to keep your money, you have several options. National banks offer the convenience of a large number of ATMs and branches. Local banks give you perso...Feb 5, 2018 ... ... COLORAMO. 516 28 Road. Grand Junction. CO. 81501. MOYES, MIKE. 970-243-7280. 92,198,608. 30,734,485. 12.23. 8.14. 3.87. 33.34. 59.04. 9,019. 34. Credit Union Coloramo Federal Credit Union. Charter Number 8725. Year Chartered1953. Address516 28 Road. City, State, ZipGrand Junction, CO 81501. Peer Group5 - $100,000,000 to less than $500,000,000. Field of Membership Type. Routing Number (ABA Routing Number)1302176580. Total Net Worth$15,714,717. The NCUA is responsible for regulating federal credit unions, insuring deposits, and protecting members of credit unions.Coloramo Federal Credit Union was established on June 8, 1953. Coloramo originally consisted of only eight members who were Colorado Raw Materials Office employees. Today, Coloramo serves nearly ... Coloramo Visa Credit Cards. PIN reset & activation: (877) 205 - 0143 Lost or stolen card: (833) 933 -1681 File a dispute on a transaction: (866) 279 -1399. Coloramo Visa DEBIT Cards. Lost or stolen card after hours: USA (970) 609 - 7461 International (909) 941 - 1398 When it comes to managing your finances, choosing the right credit union is crucial. In Colorado, one credit union that stands out among the rest is Ent Credit Union. One of the ma... Coloramo Visa Credit Cards. PIN reset & activation: (877) 205 - 0143 Lost or stolen card: (833) 933 -1681 File a dispute on a transaction: (866) 279 -1399. Coloramo Visa DEBIT Cards. Lost or stolen card after hours: USA (970) 609 - 7461 International (909) 941 - 1398 Coloramo Federal Credit Union. 1.0 1 review on. Coloramo FCU is a not-for-profit, member-owned financial cooperative. We offer a better value to our members because we... More. Phone: (970) 243-7280. Cross Streets: Near the intersection of 28th Rd and Court Rd. Closed Now.Locations. | Routing # 302176580. (970) 243-7280 Video Call Set an Appointment. Make a Payment. Online Banking. Coloramo FCU is proud to serve Western Colorado. Bank …Coloramo Federal Credit Union - Fruita, CO, 333 W Aspen Avenue. 333 W Aspen Avenue Fruita, CO81521. Get Directions. Open Today. Monday, March 18, 2024. Call Now. …Coloramo Federal Credit Union is an NCUA insured credit union located in Grand Junction and has 171780076 in assets. Coloramo Federal Credit Union Customer Reviews, Frequently Asked Questions, Rates, Branches, Related Articles, and Financial Summary - 2024Owners of Coloramo, come learn what Coloramo has accomplished, what new things are planned, and how well your credit union has done this past year!...Please call us at 720-283-2346 if you suspect fraudulent activity or have any questions. To report a lost or stolen credit card: 800-325-3678. To report a lost or stolen debit card: 888-241-2510. At Columbine Federal Credit Union, we want to give you the service and products you will appreciate. All credit unions are member-owned, not-for-profit.The ORCHARD MESA BRANCH of COLORAMO FEDERAL CREDIT UNION is located in GRAND JUNCTION, CO at 2706 Highway 50. See location on map below. For additional information, such as hours of operation, please call (970) 243-7280. Location 2706 Highway 50 GRAND JUNCTION, CO 81503 (970) 243-7280Coloramo Federal Credit Union Rating. Member Rating. 2.0. ★★★★★. ★★★★★. Based on 1 Review. 516 28 Road Grand Junction, CO 81501. We value your feedback about your experiences at the Main Office Branch. Would you recommend the services and staff at the Main Office to others?First $5,000 deposited must be funds not currently on deposit at Canvas Credit Union. Limit of one Reverse Tier Savings Account per member. $0-$2,000. 5.00% ...It happened at the Coloramo Federal Credit Union on Highway 50 at around 3:15 p.m. A man approached the bank teller and insisted on money. The suspect then fled on foot with another man, according3 Coloramo Federal Credit Union Branch locations in Grand Junction, CO. Find a Location near you. View hours, phone numbers, reviews, routing numbers, and other info. Coloramo FCU Branch Location at 759 Horizon Dr Ste A, Grand Junction, CO 81506 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews. Coloramo Federal Credit Union With over 70 years of service and $178 million in assets, Coloramo is a trusted financial institution serving over 12,000 members and growing. At Coloramo, we offer a wide range of account services, including bill pay, mobile payments, remote deposit, insurance, and financial wellness services.3 Coloramo Federal Credit Union Branch locations in Grand Junction, CO. Find a Location near you. View hours, phone numbers, reviews, routing numbers, and other info.Contact Center Branch Manager at Coloramo Federal Credit Union Grand Junction, Colorado, United States. 10 followers 10 connections. Join to view profile Coloramo Federal Credit Union ... Colorado Credit Union offers extremely competitive auto loan rates with 90 days before your first payment is due. Whether you are looking to drive a new or used car off the dealership lot, purchase a private party vehicle, or refinance your current auto loan from another financial institution — we can help. 90 Days No Payments**. Coloramo Federal Credit Union - Grand Junction, CO, 2706 Highway 50. 2706 Highway 50 Grand Junction, CO81503. Get Directions. Open Today. Monday, March 18, 2024. Call … Colorado Credit Union offers extremely competitive auto loan rates with 90 days before your first payment is due. Whether you are looking to drive a new or used car off the dealership lot, purchase a private party vehicle, or refinance your current auto loan from another financial institution — we can help. 90 Days No Payments**. We would like to show you a description here but the site won’t allow us.Branch Office. Contact Number. 720-479-5275. Mailing Information. Mailing Address. 2478 Highway 6 and 50 Unit A , Grand Junction, Colorado 81505. Phone. 720-479-5275.Credit Union: Coloramo: Branch: Orchard Mesa Branch: Address: 2706 Highway 50 , Grand Junction, CO 81503: County: Mesa: Branch Type: Branch Office: Contact NumberColoramo Federal Credit Union Q3 2023 Financial Summary Now Available. Find Coloramo Federal Credit Union Credit Union Near Me from 3 branches using your current location or from any U.S. address.Find out what works well at Coloramo Federal Credit Union from the people who know best. Get the inside scoop on jobs, salaries, top office locations, and CEO insights. Compare pay for popular roles and read about the team’s work-life balance. Uncover why Coloramo Federal Credit Union is the best company for you.Coloramo Federal Credit Union May 3, 2023. Next. 9 Simple Ways to Trim Monthly Expenses. Coloramo Federal Credit Union March 30, 2023. Contact Info. Phone: (970) 243-7280 Fax: (970) 242-6506 Routing # 302176580 NMLS # 527644. Coloramo Visa Credit Cards. PIN reset & activation: (877) 205 - 0143 Lost or stolen card: (833) …The Paycheck Protection Program’s (PPP), the first and second round, have doled out hundreds of billions of dollars to small businesses. The Paycheck Protection Program’s (PPP), th...Currently led by Mike Moyes, the Coloramo FCU has grown its membership to over 9,431 with assets of more than $93,826,821. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (970) 243-7280 or email them at [email protected] to get exact details . There are many other credit unions in ...Credit Union of Denver, a Colorado credit union serving the Denver community. Free checking, low rate personal loans, car loans, home mortgage, refinancing, and ATMs near you. Online and Mobile Banking will be unavailable for scheduled maintenance between the hours of 10:00pm MST on March 23rd and 4:00am MST on March 24th.Fruita Branch. 333 W Aspen Avenue Fruita, CO 81521. Open Today: 8:30 am - 5:30 pm. Branch Details. The interactive map showcases all Coloramo branches located in and around the Fruita, making it easy for residents to find the nearest one and take advantage of their services. The map above displays the locations of Coloramo Federal locations in ...Leora also has extensive experience in running end-to-end lending operations in the Credit Union space. Leora currently serves on numerous industry Boards, including the Colorado Mortgage Lenders Association. Since 2008, and an industry influencer, Leora is incredibly passionate about spreading awareness on helping everyone achieve the American …Credit Union of Denver, a Colorado credit union serving the Denver community. Free checking, low rate personal loans, car loans, home mortgage, refinancing, and ATMs near you. Online and Mobile Banking will be unavailable for scheduled maintenance between the hours of 10:00pm MST on March 23rd and 4:00am MST on March 24th. We apologize for …Coloramo Federal Credit Union was chartered on Jan. 1, 1953. Headquartered in Grand Junction, CO, it has assets in the amount of $80,142,985. Its 8,661 members are served from 4 locations. Deposits in Coloramo Federal Credit Union are insured by NCUA.Rocky Mountain Law Enforcement Federal Credit Union 700 W 39th Avenue Denver, CO 80216 (303) 458-6660. Aventa Credit Union 2735 Dublin Boulevard Colorado Springs, CO 80918 ... Coloramo Federal Credit Union 516 28 Road Grand Junction, CO 81501 (970) 243-7280. 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Coloramo Federal Credit Union was established on June 8, 1953. Coloramo originally consisted of only eight members who were Colorado Raw Materials Office employees. Today, Coloramo serves nearly .... Disk usage analyzer
Teller (Former Employee) - Grand Junction, CO - June 25, 2017. Working at Coloramo was one of the best work experiences I have had so far. This company is one that makes you feel excited about coming to work, a part of a family while you are there, and a part of the community day in and day out. It is a great place to learn more about the ins ...Glassdoor gives you an inside look at what it's like to work at Coloramo Federal Credit Union, including salaries, reviews, office photos, and more. This is the Coloramo Federal Credit Union company profile. All content is posted anonymously by employees working at Coloramo Federal Credit Union. See what employees say it's like to work at ...Telebanking is the process of handling bank accounts over the phone. It is also referred to as telephone banking. This service is commonly offered by banks, credit unions and credi...The Co-op Shared Branch network allows members of one credit union to perform a range of transactions at another credit union. Through the Co-op Shared Branch network, participating credit unions can serve members in diverse geographical locations, even when they move or travel. Co-op Shared Branch express terminals provide after-hours member ...Credit Union checking accounts are also known as share draft accounts. 7. Must be the age 55 or better to qualify, other restrictions may apply. ... Coloramo Visa Credit Cards. PIN reset & activation: (877) 205 - 0143 Lost or stolen card: (833) 933 -1681 File a dispute on a transaction: (866) 279 -1399.Coloramo Federal Credit Union. 530 likes · 3 talking about this. Building lifelong relationships to help our members meet their needs and reach their dreams.Online Banking. Coloramo Credit Union Online Banking. Log In Here. Compare Interest Rates. Explore Nearby Branches. eServices. Bill Pay - Easily manage …coloramo federal credit union 138 s park square fruita, co 81521. 0.00 mi. cardtronics dba kahuna atm 106 s park square fruita, co 81521. 0.04 mi. cardtronics dba kahuna atm 152 south mesa fruita, co 81521. 0.05 mi. notre dame federal credit union 135 south plum street fruita, co 81521. 0.08 mi.Coloramo Federal Credit Union. Opens at 9:00 AM (970) 243-7280. Website. More. Directions Advertisement. 333 W Aspen Ave Fruita, CO 81521 Opens at 9:00 AM. Hours. Mon 9:00 AM -5:30 PM Tue 9:00 AM -5:30 ...Branch Office. Contact Number. 720-479-5275. Mailing Information. Mailing Address. 2478 Highway 6 and 50 Unit A , Grand Junction, Colorado 81505. Phone. 720-479-5275.Experience a credit union designed just for you. Gain access to products that fit your financial needs, from checking accounts to mortgage loans. Locations. | Routing # 302176580. (970) 243-7280 Video Call Set an Appointment. Make a Payment. Online Banking. Coloramo FCU offers all the services of a national bank without the hassle. Learn about our online bill pay, instant debit card, remote deposits and more. Coloramo FCU Branch Location at 516 28 Rd, Grand Junction, CO 81501 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews. You can pay your Credit One Bank bill by phone, online with a checking account or debit card, or with a check by mail. Credit One Bank also accepts payments by MoneyGram or Western... The ABC’s of our CD’s. Open a CD with as little as $500 and a higher interest rate than most savings accounts. Or, invest $100,000 or more and take advantage of higher rates paid on our Jumbo Certificates. Our Add On CDs let you access your money within 90 days to 6 months, and add to it in $50 increments. Sep 7, 2023 · Find your nearest Coloramo Federal Credit Union branch or ATM using our interactive search tool below. Coloramo has 3 branches across Colorado, offering a wide range of financial services to our members. Services may vary by location. Please verify services at your local branch. Use our interactive search tools to find: Sep 7, 2023 · Find your nearest Coloramo Federal Credit Union branch or ATM using our interactive search tool below. Coloramo has 3 branches across Colorado, offering a wide range of financial services to our members. Services may vary by location. Please verify services at your local branch. Use our interactive search tools to find: It happened at the Coloramo Federal Credit Union on Highway 50 at around 3:15 p.m. A man approached the bank teller and insisted on money. The suspect then fled on foot with another man, accordingBest Rate. 3.25% APY*. View All Rates. *APY - Annual Percentage Yield. APR - Annual Percentage Rate. *. Welcome to Colorado Credit Union. Pay My Loan Online. Pay your loan quickly and conveniently online.Earlier this week the credit industry was changed by new consumer protection laws. They're hardly taking the cut in profiteering laying down, however, and it's up to consumers to p....