Loans
Westerra Credit Union provides a wide array of loan options with Great Rates and flexible terms. Plus, with quick approval and expert advice from our loan officers, you can obtain the credit you need when you need it.
AUTO LOANS
If you've financed your vehicle with another lender, you could save hundreds of dollars by refinancing with Westerra Credit Union. Westerra Credit Union offers some of the Best Rates in the nation!
• Low rates on new and used cars, trucks and recreational vehicles
• Flexible terms up to 7 years
• Affordable monthly payments
• Borrow up to 100% of the purchase price, including tax,
license and extended warranty
Before you buy a new or used vehicle, take advantage of these tools to ensure you are making an informed decision. Before you shop, get your financing pre-approved—apply online , visit any Westerra location, or call us at 303-321-4209 or 1-800-858-7212. We’ll get you on the road fast in your new vehicle!
• Click here to find the current value of your vehicle
• Compare two or more vehicles
• Click here to search the current vehicle inventory
• Select the year, price and payment from the comfort of your home!
• Click here for a list of dealerships offering Westerra financing
› Current Auto Rates
› Apply For an Auto Loan
› NADA Vehicle Values
YOU HAVE QUESTIONS, WE HAVE ANSWERS!
› How much car can I afford?
› Calculate your loan payments.
› Should I lease or purchase?
› Take the rebate or the special financing?
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VISA® CREDIT CARDS
Your Westerra Credit Union VISA® Credit Card gives you the credit you deserve. We offer some of the best Interest Rates and perks available:
• Special balance transfer introductory rate
• A low fixed interest rate
• NO ANNUAL FEE
• 25-day grace period on purchases
• 2% minimum monthly payment (or $15, whichever is greater)
• Easy 24-hour ATM cash access
• Personal member service
• Free travel accident insurance up to $400,000
• Emergency Travel Assistance
• Collision coverage for rental cars, if card is used to rent vehicle
• ScoreCard points and benefits
YOU HAVE QUESTIONS, WE HAVE ANSWERS!
For answers to specific questions or concerns, Email Us or call us at 303-321-4209 or 1-800-858-7212.
› Apply Now For A Westerra Credit Union VISA® Credit Card
› Click Here To Transfer Your Credit Card Balance To Westerra Credit Union!
› Credit Card Payoff Calculator
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SMALL BUSINESS LOANS
Our Small Business Loans are backed by the Small Business Administration. For more information about these loans, please contact Dave Mulhollen at 303-329-4574 or dmulhollen@westerracu.com.
PERSONAL LOANS
Westerra Credit Union offers the benefits you want, at the rates and terms you deserve.
Personal Lines (Overdraft Protection)
Use a personal line as overdraft protection on your checking account or simply as a means of quick and easy access to funds. You may also use a Share Savings or a Money Market account to cover any potential overdrafts.
› Apply For a Secured Personal Loan
SECURED LOANS
Secured Certificate of Deposit Loan
Certificate Loans are secured 100% by your Westerra Credit Union CD. The interest rate is typically lower because the loan is secured. Additionally, you continue to earn interest on your CD pledged as collateral.
› Apply For A Secured Personal Loan
Secured Share Savings Loan
These loans are secured 100% by your Westerra Credit Union Share Savings or Tiered Rate Money Market Account. This is a great way to maintain the balance in your account, plus you continue to earn dividends/interest on your savings pledged as collateral.
› Apply For A Secured Personal Loan
HOME EQUITY LINES OF CREDIT
Home equity lines of credit are easy and economical, and allow you to put the money you’ve invested in your home to work for you. Plus the interest may be tax-deductible *.
Jumbo Equity
• Up to $500,000
• No closing costs on loans up to $100,000
• Minimal closing costs on loans over $100,000
• Variable interest rate as low as Prime plus 0% APR**
Equity Express
• Borrow up to $25,000 or 80% loan-to-value
• No closing costs
• Variable interest rate as low as Prime plus 0% APR**
Generous Equity
• Borrow up to 100% loan-to-value
• Little or no closing costs
• Variable interest rate
• No appraisal fee (restrictions apply)
REVERSE MORTGAGE LOANS
Your equity could help you with retirement! Find out how you can receive monthly payments from your mortgage. This is a great money management tool if you would like to tap into the equity in your home without making any monthly payments. One of our knowledgeable mortgage loan officers will be happy to provide you with all the details.
YOU HAVE QUESTIONS, WE HAVE ANSWERS
› Paying Off A Charge Account Calculator
› Paying Off A Loan Calculator
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*Please consult your tax advisor.
** Rates are tied to Prime Rate as published in the Wall Street Journal. Rates based on credit history and are subject to change. Rate valid for owner-occupied properties. .50% will be added to Prime Rate for non-owner occupied properties. All out-of-state loans and non-owner properties have full closing costs.
