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Member Assistance Resource Center

Please reach out to discuss your specific situation: Email us at or call us at 303-321-4209.

COVID-19 Resource Center

Please let us know how we can help you

To help you, your family and the small businesses in our community, we have been working to add more ways to give you peace of mind during these times:

Loan assistance

If you need help with your monthly loan payment, please reach out to discuss your specific situation at 303-321-4209. We have multiple options that can be tailored to your specific needs.

Most fees are permanently eliminated

Most fees were waived for all members beginning in March 2020 to assist with the financial hardships of the pandemic and most of those fees have now been permanently eliminated.

  • Discontinued fees - These fees were permanently eliminated: overdraft fees, non-sufficient funds fees, Visa® debit card foreign transaction fees, as well as fees for ATMs outside the CO-OP Network, temporary checks, returned mail, express delivery, account research/reconciliation, printed copies/account histories, deposits of foreign items, third party returned deposit items, ATM access cards, Online Banking external transfers to another financial institution, and Regulation D withdrawal limits on savings, Money Market, and Certificate accounts.

  • Reinstated fees - Effective February 1, 2022, the Interest spending/checking fee of $10 if the monthly average end-of-day balance is below $2,500 is reinstated, as well as all business account fees (savings, Money Market and spending/checking accounts) and minimum balance fees on all business shares. The 2% fee for credit card cash advances is also reinstated.

We hope that the fee waivers over the last two years, combined with the elimination and reduction of many of those fees, has helped you, your family, and the small businesses in our community gain greater peace of mind during the impacts of the COVID-19 pandemic. As always, if you need assistance, please visit any branch or call us at 303-321-4209.

Help with your mortgage

If you expect COVID-19 to impact you for a while, you may want to consider an initial relief option of a forbearance, which is a temporary stoppage of your mortgage payments for three months. If you need additional assistance after that time, we will work with you to determine the best options to resume payments. During the months of a forbearance plan, late fees are waived and missed payments are not reported to credit bureaus. The easiest way to start the forbearance process is to go directly to or call our mortgage service department directly at 1-866-657-0139.

Emergency line of credit or unsecured term loan for business members

If you have a business account at Westerra and need short-term working capital or interest relief, we may be able to assist with a line of credit. If your business does not have collateral available for a loan, ask about an unsecured term loan based upon the cash flow of your business. This loan is an excellent option for consolidating business debt and short-term financing. Ask about loan amounts from $500 to $50,000. Additional resources are available at SBA.Gov.

Get cash or make deposits

To make it easier to access cash, the daily limit for ATM cash withdrawals has been increased to $1,010. You can also deposit cash and checks through our CO-OP Network ATMs and in our branch Night Drop Boxes. Download the Westerra Mobile Banking App and you can deposit checks by taking a picture with your phone.

Woman on a virtual call with 8 others

Stay connected

If you are visiting a branch, click here for the latest information. Appointments are available virtually, by phone or in person at a branch. All drive-ups are open. The vast majority of our team is working from home to make things happen behind the scenes, to answer your calls and emails, and to meet with you virtually. You can also access your accounts through our Mobile App, Online Banking, Automated Telephone Banking and 1000 free CO-OP ATMs. If you need help using any of these services, please call us at 303-321-4209 or email us at

It is important to us to help our members who find themselves in financial hardship from the impacts of this crisis. Please let us know how we can help you. Contact us at 303-321-4209 or to discuss your specific situation.

Easy ways to access your accounts

Meet by virtual appointment, phone or in-person at a branch

Click here to schedule an appointment. If you do not find an appointment available on the day you prefer, please check another branch, or contact us with your specific questions at 303-321-4209 or

Deposit checks using the mobile app

Download the free Westerra Mobile app in the App Store (Apple) or Google Play (Android) – You can view account balances and history, transfer funds, make payments, pay bills and deposit checks from your smartphone.

Use online banking and bill pay

Online banking is free and available 24 hours a day, seven days a week. Verify deposits and withdrawals, view account activity, print eStatements, transfer funds between your Westerra Credit Union accounts, make Westerra Credit Union loan payments, view and print cleared checks from your account, check balances, pay bills and more. Click here to enroll in Online Banking. The system will guide you through the process to sign up. If you need assistance, please contact us at 303-321-4209 or email us at

24-Hour automated phone banking

Call 303-320-7774 to check balances, transfer funds between your accounts and much more. The automated system walks you through the process, making it easy. 

1,000 free ATMs in Colorado

Access your account at any CO-OP Network ATM. You can even make deposits at many ATMs. All fees are now waived for ATMs outside the CO-OP Network. Be aware that the ATM owner may still charge a fee.

200 Colorado CO-OP shared branching locations

Typically you can access your account at any credit union that is a member of the CO-OP Shared Branch Network.  Currently, some credit unions are limiting access to their members only.

Bank by phone

Talk to a Westerra representative M-F 8am-6pm & SAT 9am-1pm at 303-321-4209. Please be aware that our hold times may be slightly longer due to the increased volume. 


Email us at

For our business banking members

Business Banking

Enroll in Online Business Banking

Business Banking App

Download the app in the App Store (Apple) or Google Play (Android).   

Woman using ATM with her dog behind her

More ways to deposit checks:

       - Mobile Banking       - CO-OP Network ATMs       - Night Deposit Drops in Branches       - Drive-Up Branch Services       - CO-OP Shared Branches

Refinance your mortgage from home

You may be able to lower your monthly mortgage payment to free up money when you need it the most.

Check it out

Partnering with our schools and our community

Contributions to school district foundations and other non-profits.

Eight Denver teachers started our credit union in the midst of the Great Depression. They pooled their funds and made loans to each other to strengthen families and our community during that crisis. Today we carry that mission forward to help families and communities through the financial hardship of this COVID-19 crisis. We have made donations to the Foundations for Denver Public Schools, Douglas County Schools, Jeffco Schools, Mapleton Public Schools and Cherry Creek Schools, as well as area food banks and other non-profits in our community.

School grants awarded

Westerra has awarded 98 grants for the 2020-2021 school year for extremely valuable and worthwhile causes. We are honored to support our schools in helping students work toward academic and personal success. Click here to see the schools that received grants and how they will use them.

Support for small locally owned businesses

If you follow Westerra on social media, you likely saw our Yes Denver, We’re Open campaign, which helped bring awareness — and business — to the small locally owned businesses that had remained open to serve our community. Westerra put its own marketing dollars behind boosting the Facebook posts in the targeted areas where the businesses are located. Watch for Phase Two coming soon to help support education and non-profits that are making a difference in our community.

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

Westerra is dedicated to serving you safely.

Please let us know how we can help.

Talk to us