Get paid to pay for the stuff you’re already paying for.
10 card swipes per statement can earn you up to 4.00% APY on your Money Market Select account.
Money Market
The best high-yield savings account.
Looking for the best money market account to grow your savings? Westerra Credit Union offers a high-yield money market account designed to help you reach your financial goals faster. With competitive rates and no monthly fees, it's the perfect savings account for anyone looking to maximize their earnings!
No monthly minimum balance
Ten swipes per month on your Westerra debit or credit card
maintenance fees.
How our Money Market accounts compare
Money Market | Money Market Select | |
|---|---|---|
Annual Percentage Yield (APY) | ||
Monthly or Maintenance Fees | NO | NO |
Withdrawal Limit | None | None |
Minimum Deposit Requirement | $0 | $0 |
Minimum Balance Requirement | $0 | $0 |
Minimum Qualifications | No | Yes* |
*Must meet minimum average daily balance requirement and a minimum of 10 qualified Westerra consumer debit/credit card swipes per statement.
Everyday Money (and earning)
A checking account for the way you live (and spend) today. No monthly fees. No minimum balance required. Plus a debit card that helps you earn rewards. Checks optional.
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 account questions
A Money Market Select Account is a free, high-yield savings account that offers both flexibility and growth. You can earn competitive interest on your savings while maintaining easy access to your funds when needed — without any penalties. It’s the perfect balance of earning potential and liquidity for your savings goals.
To qualify for the interest rate on a Money Market Select Account, you’ll need a Prime Share account. Additionally, you must have a Westerra consumer VISA® debit or credit card linked to the same account. To earn the corresponding interest rate, you need to complete at least 10 qualifying transactions each month within a qualifying statement cycle. The statement period ends at 6 p.m. of the cycle month. These products are not required to open a Money Market Select Account but are necessary to earn the higher interest rate.
If you’re a new member at Westerra Credit Union, you can open a Money Market online or visit a branch location. If you’re already a member and would like to add another account, please give us a call at 303-321-4209 or visit us at any of our branches.
No, the Money Market Select is not an investment account. You can reap the benefits of earning high interest without the risks typically associated with investments. It’s a secure way to grow your savings.
No, there is no monthly fee for a Money Market or Money Market Select Account. Enjoy all the benefits of high-yield savings with no ongoing charges.
Yes, you can withdraw funds from your Money Market Select Account at any time without penalty. There are no restrictions on the number of withdrawals or transfers you can make, giving you full flexibility and easy access to your savings when you need it.
Yes, you can easily link your Money Market Select Account to your checking account for convenient transfers. With digital banking, you can quickly transfer funds between accounts anytime, giving you seamless access to your savings whenever you need it.
Yes! Click here to calculate your individual coverage!
Have any questions?
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The dividend rate paid is based on the minimum average daily balance to the corresponding tier in any statement month that the specific account requirements are met. If the requirements are not met, the dividend rate of .05% APY is applied for the statement month. The statement month ends at 6pm MST on the last calendar day of the month. The requirements needed to receive the dividend rate are (i) minimum average daily balance that corresponds to the desired rate, (ii) 10 combined debit/credit card purchase transactions that post and clear in the statement months (i), 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. Apple Pay and the Apple Pay logo are trademarks of Apple Inc. Google Pay and the Google Pay logo are a trademarks of Google Inc. Samsung Pay and the Samsung Pay logo are registered trademarks of Samsung Electronics Co., Ltd.
*APY= Annual Percentage Yield; APY accurate as of 12/01/2024; fees may reduce earnings.
