Member Assistance Resource Center
We understand that life can take unexpected turns, and when it does, you don't have to face it alone. Whether you're dealing with disruption, damage to your home, time away from work, or other challenges, we’re here to help with personalized financial solutions and compassionate guidance.
Whatever you're facing, we're here to support you.
Contact us at: WesterraCanHelp@WesterraCU.com or call us at 303-321-4209.
Westerra Cares: Government Relief Loan
Westerra Credit Union is offering a special 6-month, 0% APR* interest loan to help members affected by the federal government shutdown. This loan is designed to provide financial relief and bridge the gap between paychecks during this period. To qualify, members must provide a furlough notification letter along with a recent pay stub or proof of direct deposit into their Westerra account. Our team is here to assist you through the application process and answer any questions.
Only available to current members.
You can schedule an appointment virtually, by phone, or in person at a branch.
Access your accounts anytime through:
If you need help using any of these services, please contact us at: 📞 303-321-4209 📧 Email@WesterraCU.com
It’s important to us to support our members through challenging times. Please reach out — we're ready to help.
Resources
Fraudsters often target generosity during crises. Help members protect themselves by sharing these tips:
Vet Solicitors Carefully: Refer members to the Federal Trade Commission (FTC) for guidance on recognizing scams.
Research Charities: Encourage the use of trusted resources like Charity Navigator or GuideStar to verify organizations before donating.
For additional tips, members can visit the FTC website or trusted charity platforms.
To report a lost or stolen Visa® credit, debit card, or for card inquiries:
Call 303-321-4209 or 1-800-858-7212 during business hours.
Visit one of our branch locations to have your credit or debit card issued instantly.
Contact us via secure messaging through Digital Banking.
Call 1-888-241-2510, 24 hours a day.
Please note: Cards sent by mail will arrive in approximately 4 to 7 business days. You will also receive a new PIN, which can be changed by calling 1-800-858-7212.
Ensuring your contact information in your Westerra profile is up to date ensures our staff can verify your identity and information, which helps prevent fraud. You can update your name, address, phone number and email either at the branch by presenting your ID to one of our staff or by logging-in to your personal or business Digital Banking account. Simply visit Settings > Contact section. To update your business mailing address, please contact our Business Banking staff at businessbankinggroup@westerracu.com.
If you're logged in on a web browser, you can send a secure message by selecting the three dots next to the "Self-Service" button at the top of the page, and then select "Messages" from the dropdown menu.
To log in to Digital Banking, click "Login" on the top right corner of this website, then "Personal Banking," and enter your username and password on the next screen.
If you have forgotten your username or password, click on the "Forgot Username?" or "Forgot Password?" link and it will guide you through the process of entering a new username or password.
Launch Westerra mobile banking app, log in with your Digital Banking username and password and select the deposits feature. The system will guide you through the process.
If you do not already have the Westerra mobile banking app, download it from the App Store (Apple) or Google Play (Android).
If you’re facing financial challenges, the first step is to reach out to us at WesterraCanHelp@WesterraCU.com. We’re here to listen and provide support tailored to your situation.
If you have a current loan, credit card, or HELOC with Westerra, you may qualify to defer up to 3 payments which will be added to the end of your loan. Mortgage loans are not eligible. You’re allowed a maximum of 6 skipped payments over the life of each loan. For revolving credit (like credit cards), you must either pay the interest due, or have it added as a 0% interest advance when the deferral is processed. Interest continues to accrue during the deferral period. To request assistance, contact us at 720‑836‑2258 or WesterraCanHelp@Westerracu.com.
If your account is past due, you may still qualify — if the combination of any payment and the deferral bring your account current. For example, if you’re 60 days behind and request a 3-month deferral, you may be asked to make a payment first. Also, if you’ve previously skipped payments, you’ll only be approved for the remaining allowed skips (up to a total of 6). Deferrals extend your loan term, but don’t raise your monthly payment. Always reach out for personalized help.
Westerra is dedicated to serving you safely.
Please let us know how we can help.
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*APR = Annual Percentage Rate
The Westerra Cares: Government Relief Loan is available exclusively to existing members of Westerra who joined prior to October 1, 2025. Loan eligibility requires submission of a government furlough letter along with proof of income through a pay stub or direct deposit into a Westerra account.
Members who remain affected by the federal government shutdown may now apply for a second disbursement under the same program. The combined total of all Government Relief Loan disbursements is limited to the lesser of $15,000 or two months of the member’s net monthly salary.
Each loan carries an APR of 0%, with a 6-month full balance repayment term and no fees. Eligibility requires proof of continued furlough status, and no credit score is required.
This extension allows Westerra to continue providing meaningful financial support to members during the prolonged government shutdown while maintaining responsible lending practices.
