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Money Market Select 3.50% APY*

Get paid to pay for the stuff you’re already paying for.

10 card swipes per month earns you 3.50% APY

Money Market

The new 
Money Market Select account from Westerra.

Just 10 qualifying swipes per month on your Westerra consumer debit or credit card earns you 3.50% APY on your daily balance of $100,000 or more. It’s like getting paid to do the daily spending you’re already doing.


Minimum average daily balance.


Ten qualifying swipes per month on your Westerra consumer debit or credit card.


No monthly minimum balance or maintenance fees.

How our Money Market products compare

Money Market vs. Money Market Select

Money Market

Money Market Select

Annual Percentage Yield (APY)

Monthly or Maintenance Fees



Withdrawal Limit



Minimum Deposit Requirement



Minimum Balance Requirement



Minimum Qualifications



*Must maintain average daily balance greater than $100,000 to receive higher rate (APY).**Must meet minimum average daily balance requirement and a minimum of 10 qualified Westerra consumer debit/credit card swipes per month.

Woman at counter handing her card to a cashier

Everyday Money (and earning)

Spend and earn with a Westerra Visa® debit card that offers a selection of rewards for you to choose, and is a Bank On Certified account by the national Cities for Financial Empowerment Fund, which ensures low cost, high functionality & consumer safety.

Black Visa card illustration on red background with white stripes

Give your wallet some credit

Pay for daily transactions and bills with a credit card — then pay it off each month. That way, you can earn reward points for cash back and more. It's secure and helps you build that all-important credit score.

Frequently asked Money Market questions

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

Ready to join the Westerra community?

Open an account in 4 minutes and 59 seconds (we timed it).

How to Apply

The higher dividend rate of 3.445% will be paid in any statement month that specific account requirements are met. If requirements are not met the lower dividend rate of .05% is applied for the statement month. *The requirements needed to receive the higher dividend rates are (i) minimum average daily balance of $100,000.00 and (ii) 10 combined debit/credit card purchase transactions that post and clear in the statement month on the same membership account. 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 higher dividend rate. IRA, Roth IRA, and Business accounts are not eligible for this product. Rates subject to change without notice. Membership eligibility required. Visa and Visa logo are registered trademarks of Visa International Services Association.