It’s an A+ time to join
Give $100 (on us), get $100 (on us, too). From December 2 to December 11, 2024, we’ll donate $100 to our foundation partnership schools* (up to $10,000) AND contribute $100 to a new member account when you open a Smart Money Checking or Money Market Select account.
We’re banking on educators.
Founded by eight teachers in 1934, supporting schools isn’t just something we do during the holiday season. It’s an integral part of our mission, 365 days a year.
Donate on us.
When you open a new account, we’ll donate $100 to our foundation partner schools, up to a total of $10,000. Colorado schools will thank you for it.
Easiest. Payday. Ever.
New member? Open a Smart Money Checking or a Money Market Select account and we’ll contribute $100 to your account. Just because we like you. Learn more
Smart Money Checking
Best for
Making small balances earn big returns and heavy monthly use.
Features
This is a reverse tier account, which means you’ll earn bigger returns on smaller balances, and smaller returns on bigger balances.
Earn up to 6.00% APY* on your first $2000 each month. That’s up to $120 a year. Then your next chunk of cash will make you 3.00% APY* and so on. See all APY rate tiers.
No minimum balance requirement
No monthly maintenance fee
Earn Debit card rewards: 1 point for every $3 spent when you sign for purchases
Early paycheck
Courtesy Pay up to $500***
Even if you don't meet all the monthly requirements (they're listed below) to get up to 6.00% APY, you're guaranteed to earn .01% interest.
What’s the catch?
Make at least 16 debit/credit transactions every month to get the best APY
Set up a minimum of one $500 recurring direct deposit or ACH payments per month to get the best APY
Enroll in e-statements
Money Market Select
Learn how money can make money: get higher rates on your savings, all while still keeping your funds easily accessible.
Features
Annual Percentage Yield (APY) 0.05% - 4.00%. See Rate sheet to learn more
Access to funds anytime
Flexibility to transfer funds between multiple shares at the same institution
Unlike savings shares, money market shares offer check-writing privileges, much like a regular checking
No monthly maintenance fees
$0 minimum deposit monthly requirement
$0 minimum balance monthly requirement
What's the Catch?
The more you save, the higher APY* you’ll receive. See rate sheet for details.
Just 10 swipes per statement on your Westerra consumer debit or credit card
By Teachers. For Teachers.
90 years ago, 8 Denver Public School teachers came together with a goal: to create a credit union that would support their fellow educators. Today, that mission continues. We’re a not-for-profit, member-owned community committed to seeing our community of Coloradans succeed.
Invested in our Community
Contributed over
$500,000
annually to our community
Volunteered
1500+
hours from our employees annually.
Awarded over
$50,000
annual grants for Colorado Educators
Apply for a Westerra school grant.
Every school year, we fund $50,000 to Colorado educators through our School Grant Program. Any Westerra member who is an educator of grades K-12 can apply for a $50,000 grant to help their schools—and students—shine.
Financial Literacy in the classroom
We believe that kids deserve to learn about finances. If you want to build financial literacy in the classroom, we’d love to come in for a lesson. Drop us a note at engagement@westerracu.com to schedule a presentation for your students.
Explore our Checking and Savings Accounts for Students
Understanding money management is a big step in becoming independent. Our studentaccounts and financial resources are here to help students start their financial journey.
