Home & Mortgages

Your Financial Toolkit

Products & Services

Westerra News & Community

Fraud Awareness

Smart Money Moves for Students

Small Business Banking

Events

All Articles

Boy rides a skateboard while wearing a toy rocket pack on his back.

Katie Mohr

Brandon Short

Bryan Wisher

Kevin Kiernan

Troy Arnold

Christina Aschenberg

Kevin Kendall

Dave Frey

Monika Higgins-Szczur

Shawna Rice

Family hiking in Denver Colorado, with the peace of mind of banking local with Westerra Credit Union. 

Homepage Nav Banner

Westerra by the Numbers

Person using the Westerra digital banking app to open a new account on their smartphone. 

Open a Bank Account Online Anytime, Anywhere. 

WESTERRA CREDIT UNION SECURES TWO INDUSTRY ACCOLADES

Colorado Bill Proposes Mandatory Financial Literacy for Students

Westerra's got big news to share

Home Page Disclaimer

Join the best local not-for-profit credit union in the Denver-metro area today.

Your Local Colorado Credit Union

Colorado

Denver

Aurora

Littleton

Lakewood

Centennial

Parker

Castle Rock

Arvada

Westerra was founded by eight school teachers in 1934. Today Westerra is a modern financial community with a deep local heritage and a continued commitment to teaching one another to prosper. Our goal is to support your goals, your money, and finanical eduction with our spending, savings, and borrowing services for both individuals and businesses.

Westerra Credit Union offers our members free checking with rewards. It's easy to switch and start saving money today.

No monthly fees. No minimum balance required. No overdraft fees. Just a debit card that helps you earn rewards.

Everyday Money Account

Get rewarded with higher interest for a higher balance. It's your typical checking account with some extra incentives. Dividend rates and Annual Percentage Yields based on daily account balance.

Interest Checking

Enjoy the perks of credit cards with the great rates, low fees and member service you expect from Westerra. Choose between two empowering Visa® credit cards with great perks and competitive rates.

Westerra Credit Cards

Personal Spending

Get a savings account today! It takes 5 minutes to open and start saving for all those goals — education, a new car, and maybe even a much deserved vacation. Your fund stay here in our local economy and are federally insured by NCUA.

Regular Savings Account

Stress-less during the most wonderful time of the year with holiday club accounts. Make automatic payroll deductions for holiday shopping, travel, and dining.

Holiday Savings Account

They might be little now, but someday they'll be flying the nest. College. World travels. Maybe even space travel. Either way, you can start saving money gradually over time to prepare for their future and get a debit card for a kid at any age too.

Kids Savings Account

Our traditional IRAs offer ZERO annual administration fees.

Traditional IRA

The money you contribute to a Roth IRA has already been taxed, so the principal amount isn’t subject to taxes or penalties in the future when you stay within the contribution guidelines.

Roth IRA

Education savings accounts that can be used for elementary, middle, and high school students, as well as private schools, undergratuate, and graduate students.

Coverdell Education Savings Accounts

Think of a certificate of deposit like savings on steroids. You'll earn money on your account balance with competitive rates. There's only a $500 minimum deposit, and dividends are paid monthly.

Certificate of Deposits

Money market accounts help you get higher rates on your savings — all while still keeping your money easily accessible. Federally insured by NCUA up to $250,000.

Money Market Accounts

Westerra Personal Savings Accounts

Westerra Credit Union offers a variety of personal loans with some of the most competitive rates in Colorado. Our credit union borrowing options include home loans, auto loans, credit cards, secured loans, student loans, and personal lines of credit.

Westerra offers a range of auto loan options and resources, so you don’t have to spin your wheels trying to finance your new ride. Auto loan options include new and used vehicle loans, moto home loans, motorcycle loans, and refinance options.

Auto Loans

There's no place like home and there’s no place like Westerra to help you buy, update, refinance or MTV Cribs-ify your home. We offer the products you need and the advice of real human beings to help you make your decisions. We make securing a mortgage and refinance existing mortgages easy.

Mortgage Loans

Home equity lines of credit and home equity loans are easy and allow you to put the money you’ve invested in your home to work for life's major expenses.

Home Equity Loans & Home Equity Liens of Credit

Borrow against the equity in the home you’re selling. Use that equity as a down payment on your new home. This is a short-term/temporary interest-only loan.

Bridge Loans

Westerra has teamed up with Sallie Mae to help students get the money they need for higher education. Whether you’re an undergraduate student, graduate student, or parent helping a student pay for school, Westerra's flexible loans are designed to meet your needs.

College Loans

Get a lower interest rate when you secure a loan with your Westerra certificate of deposit or savings account. You'll continue to earn interest pledged as collateral. It's a win-win.

Secured Loans

With a personal line of credit (LOC) you only pay interest on what you use.

Personal Line of Credit

Personal Refinance Loan

Unsecured Personal Loan

Westerra Personal Borrowing

Westerra offers business checking, debit cards with rewards & 3,000 free ATMs nationwide. See which checking account option is right for your business!

No minimum balance. No monthly fees. 100 free transactions per month with $0.30 per item after that. $5,000 free cash processing per month with 0.10% fee after that. Unlimited free CO-OP ATMS. No interest.

Business Value Checking

$5,000 minimum balance. $10 monthly fee if your monthly average of end-of-day balance is less than $5,000. 250 free transactions per month with $0.35 per item after that. $10,000 free cash processing per month with 0.10% fee after that. Unlimited free CO-OP ATMS. Interest based on your balance.

Business Preferred Checking

$50,000 minimum balance. $30 monthly fee if your monthly average of end-of-day balance is less than $50,000. 400 free transactions per month with $0.20 per item after that. $25,000 free cash processing per month with 0.10% fee after that. Unlimited free CO-OP ATMS. Interest based on your balance.

Business High Balanace Checking

We think credit cards should do exactly what credit unions always do: work for their members. Both of our business credit cards come with ultra-easy online payments, as well as the CardNav app, designed to stop fraud in its tracks. Which sounds right for your business?

Business Credit Cards

Westerra Business Spending Account

Earn interest while you save for taxes, insurance, or other business needs. With Westerra's savings account for small businesses, you can hit your goals faster and easier.

Business Savings Account

Put your business's money to work for you with our federally-insured CDs. We pay interest monthly, and there's only a $500 minimum deposit.

Business Certificates of Deposit (CDs)

Think of money market accounts like a CD's wilder younger sibling. Get the same high interest rates on your investment dollars — without all the rules. You can still access your money while it earns each month.

Business Money Market Accounts

Westerra Business Savings

Westerra Credit Union offers a variety of secured and unsecured business loans, including lines of credit, equipment loans, commercial real estate auto loans, commercial auto loans, and more.

Business Loans

Get the buying power you need for the equipment you need. Competitive rates. Flexible terms. And excellent member service (if we do say so ourselves). Westerra's business equipment loans can be used for medical, dental, veterinary, construction, manufactorting, office, computer, telephone, laboratory, agriculture, retail, and IT equipment.

Business Equipment Loans

Whether buying a single vehicle or a fleet, Westerra's business auto loans give you the buying power to purchase at competitive rates with flexible terms. Westerra's business auto loans can be used for semi-trucks, commerical pickup trucks, cargo vans, commerical passenger vans, motor coaches, commerical buses, construction vehicles, and lomousines.

Commercial Vehicle Loans

Westerra offers professional, local commercial real estate loans for a variety of properties including office, retail, industrial, and construction.

Commercial Real Estate Loans

Westerra's revolving business lines of credit include flexible repayment terms and no annual fee. Our business lines of credit allow you to access your funds according to your needs and can also be used as overdraft protection.

Business Line of Credit

Westerra Business Borrowing

Wires are a great way to send money securely and easily. Westerra Credit Union offers both domestic and international wire transfer services.