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Federally Insured by NCUA.
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Equal Housing Opportunity.
Mailing Address:
P.O. Box 9408
Join Westerra and get $100 without having to jump through so many hoops.
Fewer requirements make it easier: there’s no direct deposit required, no e-statements necessary and no online banking signup.
You open a new Smart Money Checking or Money Market Select account and keep a minimum balance of $5 for 30 days from the date of account opening. (Welcome to the family!)
You earn $100 limited-time bonus! Cha-Ching!
No monthly maintenance fee
Early Paycheck: Get paid up to 2 days early with direct deposit
Apple Pay® / Google Pay™ / Samsung Pay™
Mobile Deposit
Learn more about checking account and card services.
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 has been my financial home for nearly 40 years. My earliest memories are visiting the Cherry Creek branch with my mom, a Denver teacher, to see Santa. Those moments became cherished family memories especially after my mom’s stroke. Today, as a teacher myself, I still bank with Westerra because it’s more than a credit union. It’s part of my story.” — Angela Bracero
For new members only. To receive a $100 Amazon or Visa® gift card, open a new Westerra Prime Share savings account and either a Smart Money Checking or Money Market Select account online or in branch between August 21, 2026, and October 31, 2026. Enroll in Digital Banking at the time of account opening and maintain a minimum balance of $5 for the first 30 days following account opening. After all offer requirements have been completed, a reward redemption email will be sent within five (5) business days. Business accounts do not qualify. To qualify for the $100 gift card, the enrolled account must remain open and unrestricted at the time of payout. Eligibility may be limited based on account ownership. One offer per Social Security Number (SSN). The gift card is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). Offer availability is subject to change and may be discontinued at any time. This offer is not available to individuals whose Westerra accounts have been closed within the last 90 days or closed with a negative balance within the past three years. Membership eligibility is required.
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.