Account takeovers are on the rise. Here is how to protect yourself.
Scams continue to evolve, and account takeovers are showing up more often in ways that feel personal and convincing.
Read Article
Your Colorado credit union.
As a homegrown Colorado credit union, we understand what it means to live here, work here and manage your money in ways that make sense here. Together with our members, we support and build the Colorado we all know and love.
Because together, you can do money.
Rates as low as 4.99% APR** for 12 months.
Get the cash you need at a rate that's worth keeping. HELOC Select lets you borrow in multiple installments to give you flexibility and control. (So you'll be prepared for whatever life throws your way.)
Checking and savings accounts that work for your money.
Westerra Smart Money Checking Benefits and Perks
No monthly maintenance fee
Early Paycheck: Get paid up to 2 days early with direct deposit
Apple Pay® / Google Pay™ / Samsung Pay™
Overdraft protection services and Courtesy Pay***
Mobile Deposit
Learn more about checking account and card services.
Savings that work as hard as you do
You give your all every day. Your savings should keep up. Money Market Select is designed to help your money grow while staying flexible and easy to access.
Grow your savings without locking your money away
Get rewarded for everyday habits like using your debit card
Easy access to your money when you need it
No monthly fees
No minimum balance
Westerra is a trusted Colorado credit union. In the past year...
Westerra News and Resources
Is refinancing a smart way to pay off debt?
If you’re a homeowner managing high interest debt, you’re not alone. Many members are asking an important question right now: Should I refinance my mortgage to pay off debt?
Read Article
3 signs it may be time to refinance your auto loan
Auto loan rates have taken quite a ride over the last few years. Before the pandemic, rates were steady and generally low. When the economy shifted, both rates and vehicle prices climbed quickly.
Read Article
APY*= Annual Percentage Yield; Membership eligibility required
**LIMITED-TIME OFFER: As low as 4.99% APR 12-month Fixed Rate promotion is available to qualified borrowers who open a new HELOC Select and advance at least $10,000 from the available line of credit at the time the Fixed Rate Segment is opened. This promotional fixed rate applies for 12 months in a fixed-rate, interest-only segment.
Effective May 1, 2026, eligibility for the promotional rate requires automatic payment from a Westerra checking account.
The Variable Annual Percentage Rate (APR) for well-qualified borrowers as of January 15, 2026, is 7.24% and is subject to change without notice. The maximum APR for a variable-rate advance is 21%. The variable rate may change after account opening.
Members must request creation of the Fixed Rate Segment within 45 days of loan origination. Westerra will assist with creating the fixed segment in-branch, by phone, or online. Conditions and restrictions apply, including but not limited to CLTV, debt-to-income ratio, and credit score requirements.
Property must be insured, owner-occupied (primary or secondary residence), and located in Colorado. Offer valid on new HELOC Select lines only. Promotion ends June 30, 2026. Promotion subject to change or extension at Westerra’s discretion. HELOC closing costs may include title and appraisal fees based on the amount requested and CLTV. Membership eligibility required. New prime share accounts are subject to a $5 membership setup fee and a $5 minimum deposit. All loans subject to approval.
Smart Money Checking:
*Annual Percentage Yield (APY) is accurate as of 8/1/2025. The rate may change without notice after the account is opened. Fees may reduce earnings. $5 prime share deposit required for membership. A $5 opening deposit is required for a Smart Money Checking account. 6.00% APY applies to average daily balances up to and including $2,000. For average daily balances greater than $2,000, the APY may range from 0.05% to 3.00%. If requirements are not met, all balances will earn .01% APY. In order to get the higher rates, you must meet certain requirements each month. If you don’t meet the requirements, an APY of 0.01% APY applies to all balances. Limit one Smart Money Checking per membership. Membership eligibility required.The requirements needed to receive the dividend rate are (i) minimum average daily balance that corresponds to the desired rate, (ii) 16 combined debit/credit card purchase transactions that post and clear in the statement month (a) a statement month ends at 6pm MST on the last calendar day of the month, as (b), on the same membership account, (iii) a minimum of one (1) direct-deposit or Automatic Clearing House (ACH) of at least $500 per month, (iv) enrollment in online statements. ATM and cash advance transactions do not count toward the debit card transaction requirement. Requirements are waived the first statement cycle the new share is opened and will earn the dividend rate that corresponds to each minimum balance tier. IRA, Roth IRA, and Business accounts are not eligible for this product. Rates subject to change without notice. See Membership and Account Agreement for Nature of Dividends under our resource tab.
***Qualified members are automatically enrolled in Opt-IN for ACH and draft checks but are not automatically enrolled for onetime and recurring debit card transactions. Accounts must be brought positive within 30 days of going negative. Courtesy Pay Opt-In
