Rates

Business Savings, Checking and Loan Rates

FEATURED RATES as of November 15, 2018

BUSINESS CERTIFICATES OF DEPOSIT (CDs) Term (Period of Investment) MINIMUM BALANCE DIVIDEND RATE APY*
6 Month $500.00 0.995% 1.00%
12 Month $500.00 1.391% 1.40%
24 Month $500.00 1.638% 1.65%
BUSINESS MONEY MARKET ACCOUNTS**       
  $0 - $4999.99 0.050% 0.05%
  $5,000 - $9,999.99 0.100% 0.10%
  $10,000 - $24,999.99 0.250% 0.25%
  $25,000 - $49,999.99 0.300% 0.30%
  $50,000 - $99,999.99 0.349% 0.35%
  $100,000 - $249,999.99 0.399% 0.40%
  $250,000 - $499,999.99 0.449% 0.45%
  $500,000 + 0.449% 0.45%
BUSINESS SAVINGS ACCOUNTS***      
  $0-99.99 0.000% 0.00%
  $100 + 0.050% 0.05%
 
BUSINESS PREFERRED CHECKING ^  Daily Balance Dividend Rate APY*
  $0 - $4,999.99 0.050% 0.05%
  $5,000 - $24,999.99 0.100% 0.10%
  $25,000 - $49,999.99 0.100% 0.10%
  $50,000 - $99,999.99 0.100% 0.10%
  $100,000 + 0.150% 0.15%
BUSINESS HIGH BALANCE CHECKING^      
  $0 - $24,999.99 0.100% 0.10%
  $25,000 - $49,999.99 0.150% 0.15%
  $50,000 - $99,999.99 0.200% 0.20%
  $100,000 - $249,999.99 0.250% 0.25%
. $250,000 + 0.300% 0.30%

Business Loan Rates

Vehicle Loans APRº  
Business Auto Loans as low as 4.74%  
VISA Credit Cards    
Business Visa Rewards Balance Transfer
4.99% intro rate for first 12 months then 12.90%-21.00% variable APR+
 
Business Visa Rewards Card 12.90% - 21.00% variable APR+  
Business Visa Balance Transfer
2.99% intro rate for first 12 months then 10.90%-21.00% variable APR+
 
Business Visa Card 10.90% - 21.00% variable APR+  
Other Business Loans    
Share/Certificate Secured 3% above rate of share/certificate  
Business Line (Overdraft Protection) as low as 13.25%  
Equipment as low as 5.24%  
 
Find out more about how Westerra can help you and your business. Fill out the Business Services Request Form or call us at 303-321-4209.
 
Top 5-star rating for financial strength—see www.bauerfinancial.com. Federally insured by NCUA.

* Annual Percentage Yield. The dividend rate and APY are subject to change without notice.  Dividends are computed using the daily balance method and are paid monthly.  APY based on minimum account balance of $500. Upon maturity, certificates may be renewed automatically for the same term and at the current rate. Penalties apply for early withdrawal.  Amount of penalty for early withdrawal on the amount withdrawn for Business CDs is 90 days dividends on CDs of 12 months or less, and 180 days dividends on CDs over 12 months.  Early withdrawal penalties may affect the principal balance. **The dividend rate and APY are subject to change without notice.  Dividends are computed using the daily balance method and are paid monthly.  $5,000 average daily balance to avoid maintenance fee. You are allowed up to six transactions (transfers and withdrawals) per month. Any fees may reduce earnings.***The dividend rate and APY are subject to change without notice.  Dividends are computed using the daily balance method and are paid monthly.  APY is based on minimum account balance of $100. You are allowed up to six withdrawals (transfers and withdrawals) per month. Any fees may reduce earnings. ^ The dividend rate and APY are subject to change without notice.  Dividends are computed using the daily balance method and are paid monthly.  $5,000 average daily balance for Business Preferred Checking to avoid maintenance fee. $50,000 average daily balance for Business High Balance Checking to avoid maintenance fee. Any fees may reduce earnings.

ºAPR=Annual Percentage Rate. Rates are subject to change without notice. Rates are based on individual credit history. To determine your payment amount, click here to use the payment calculator.+APR=Annual Percentage Rate. Introductory balance transfer rate is valid for 12 billing cycles from account origination on balances transferred to a Business Visa Rewards or Business Visa card from other financial institutions. +Your APR is the Prime Rate plus a margin of 5.65% - 16.65% for the Business Visa or 7.65% - 18.65% for the Business Visa Rewards based on your business credit qualification. APRs will vary with the market based on the Prime Rate. Published APR is effective as of 11/6/2018. Foreign Transaction Fees are 1.00% of the US dollar amount of the foreign transaction for foreign currency conversions, 0.80% of the US dollar amount of the foreign transaction for International Service Fee (ISA). Cash Advance Fee 2%. Please refer to your Guide to Benefits for further details.

View the Westerra Business Banking Fee Schedule.

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