Skip to Main Content

How can we help you?

Frequently Asked Questions

The U.S. government has amended rules to require financial institutions to collect and verify specific information from businesses establishing new memberships, shares or loans. Requiring the disclosure of key individuals who own and/or control a business helps law enforcement investigate and prosecute crimes. Have any questions? Email us. We're here to help! This requirement does not pertain to Sole Proprietorships or Business Club Associations.

We hope you are enjoying your updated vertical designed credit and debit card, now with contactless technology! If you haven’t activated your new card yet, please do so as soon as possible. A reminder: Though your card number did not change, your expiration date did! This means you may have to update that date on online accounts where your card information is saved. Examples include shopping apps – like Amazon! –, automatic and bill pays, and in your Apple® Pay, Google Pay™ or Samsung Pay™ digital wallets.

With the Westerra Rewards program, you can earn reward points for cash back, gift cards, travel, experiences, fuel, merchandise and more with your Visa Signature® credit or debit card. Plus, you can earn bonus points! Westerra Rewards is our way of thanking you for choosing Westerra.

What is Westerra Credit Union's Routing Number?

  • Routing Number: 302075319

*Annual Percentage Yield (APY) is accurate as of 5/1/2024. The interest rate and APY may change without notice after the account is opened. Fees may reduce earnings on the account. $5 prime share deposit required for membership. A $25 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 Share per account. Membership eligibility required. Federally Insured by NCUA.

When a check is issued, it requires an endorsement before you can deposit it.

It is important that you properly endorse your check to avoid possible returns or delays in processing it, and getting those funds deposited into your account.

The following tips will guide you in making sure your check is properly endorsed, depending on the type of check, the issuer, and who it is made payable to.

Wire transfers are a way to electronically transfer funds from one person or entity to another person or entity.

Quick tips:

  • Do not wire funds to anyone who overpays for something sold online or sends a check or money order, then cancels the deal and asks you to cash the check and wire back the money.

  • Give checks or money orders you receive from a stranger time to clear your accounts before you use the funds. Check with your financial institution for guidelines. If something feels off, it probably is.

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

Ready to join the WCU community?

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