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+ Annual Percentage Rate. Short-term/temporary interest-only loan.

Top 5-star rating for financial strength—see www.bauerfinancial.com. Federally insured by NCUA.

ºAPR=Annual Percentage Rate. Rates are subject to change without notice. Rates are based on individual credit history.

+APR=Annual Percentage Rate. Introductory balance transfer rate is valid for 12 billing cycles from account origination on balances transferred to a Business Visa Rewards or Business Visa card from other financial institutions.

+Your APR is the Prime Rate plus a margin of 5.65% - 16.65% for the Business Visa or 7.65% - 18.65% for the Business Visa Rewards based on your business credit qualification. APRs will vary with the market based on the Prime Rate. Published APR is effective as of 4/1/2020. Foreign Transaction Fees are 1.00% of the US dollar amount of the foreign transaction for foreign currency conversions, 0.80% of the US dollar amount of the foreign transaction for International Service Fee (ISA). Cash Advance Fee 2%. Please refer to your Guide to Benefits for further details.

View the Westerra Business Banking Fee Schedule.

Top 5-star rating for financial strength — see www.bauerfinancial.com. Federally insured by NCUA.

*Annual Percentage Yield. The dividend rate and APY are subject to change without notice. Dividends are computed using the daily balance method and are paid monthly. APY based on minimum account balance of $500. Upon maturity, certificates may be renewed automatically for the same term and at the current rate. Penalties apply for early withdrawal. Amount of penalty for early withdrawal on the amount withdrawn for Business CDs is 90 days dividends on CDs of 12 months or less, and 180 days dividends on CDs over 12 months. Early withdrawal penalties may affect the principal balance.

**The dividend rate and APY are subject to change without notice. Dividends are computed using the daily balance method and are paid monthly. $5,000 average daily balance to avoid maintenance fee. You are allowed up to six transactions (transfers and withdrawals) per month. Any fees may reduce earnings.

***The dividend rate and APY are subject to change without notice. Dividends are computed using the daily balance method and are paid monthly. APY is based on minimum account balance of $100. You are allowed up to six withdrawals (transfers and withdrawals) per month. Any fees may reduce earnings.

^The dividend rate and APY are subject to change without notice. Dividends are computed using the daily balance method and are paid monthly. $5,000 average daily balance for Business Preferred Checking to avoid maintenance fee. $50,000 average daily balance for Business High Balance Checking to avoid maintenance fee. Any fees may reduce earnings.

View the Westerra Business Banking Fee Schedule.

*Annual Percentage Yield. Rates are subject to change without notice. Interest is computed daily and paid monthly. Penalties apply for early withdrawal. Annual Percentage Yield is based on minimum account balance of $500.00. Upon maturity, certificates may be renewed automatically for the same term and at the current rate. Amount of penalty for early withdrawal on the amount withdrawn for Regular CDs, Jumbo CDs and IRA CDs is 90 days interest on CDs of 12 months or less, and 180 days interest on CDs over 12 months. Penalty may reduce principal. 

***Annual Percentage Yield is based on minimum account balance $100,000.00. Not available for IRA CDs. Penalties apply for early withdrawal. Amount of penalty for early withdrawal on the amount withdrawn for Jumbo CDs is 90 days interest on CDs of 12 months or less, and 180 days interest on CDs over 12 months. Penalty may reduce principal.

***APR = Annual Percentage Rate. The variable rate will adjust on the first day of the month following a rate change and shall be the Prime Rate as published in the “Money Rates” section of the Wall Street Journal plus a margin based on your creditworthiness and combined loan to value at the time of application. Variable rate may change after account opening. The rate will not exceed 18% APR. The floor rate is 3.50% APR. APR for fixed-rate advances of $5,000 or more will be set at the time you agree to a fixed rate advance and is based on the term and the original application. This fixed rate will be in effect for the whole term of the applicable fixed-rate subaccount, which cannot exceed the term of the loan. Minimum monthly payment is $50. As of February 1, 2021, APR as low as 3.74% based on creditworthiness. Property insurance and security interest in property required. No closing costs on owner-occupied properties for loan amounts of $150,000 or less. If an appraisal is needed, a fee will be assessed. Other loan closing costs may range from $175 - $275. Federally insured by the National Credit Union Administration. Equal Housing Lender.

Westerra financially supports the Colorado Homeownership Coalition, which provides mortgage assistance to individuals and families when they need an extra hand. In 2019, Westerra donated $7,640 to help people stay in their homes.

*Annual Percentage Rate (APR) is the cost of the loan in percentage terms taking into account various loan charges such as Prepaid Finance Charges (discount points, processing and underwriting fees, flood certificate, tax service, closing and wire fees, prepaid interest) and Private Mortgage Insurance (if applicable). Refi scenarios based on rate and term transaction, 760+ FICO, $300K or $700K (Jumbo) loan amounts at 60% LTV. Purchase scenarios based on 760+ FICO, $400K or $700K (Jumbo) loan amounts at 60% LTV. Variables such as LTV, CLTV, credit score, cash out, occupancy and property type etc. could affect rate and APR. 

To determine your payment amount, click here to use the payment calculator. Rates are based on individual credit history and are subject to change without notice. Rates are conventional-conforming loans only. Other rates and terms may apply for Jumbo and nonconforming/specialty portfolio programs. Please contact a Westerra Credit Union Mortgage Loan Officer at 303-321-4209 for more details. 

Westerra financially supports the Colorado Homeownership Coalition, which provides mortgage assistance to individuals and families when they need an extra hand. In 2019, Westerra donated $7,640 to help people stay in their homes.

*Annual Percentage Rate (APR) is the cost of the loan in percentage terms taking into account various loan charges such as Prepaid Finance Charges (discount points, processing and underwriting fees, flood certificate, tax service, closing and wire fees, prepaid interest) and Private Mortgage Insurance (if applicable). Refi scenarios based on rate and term transaction, 760+ FICO, $300K or $700K (Jumbo) loan amounts at 60% LTV. Purchase scenarios based on 760+ FICO, $400K or $700K (Jumbo) loan amounts at 60% LTV. Variables such as LTV, CLTV, credit score, cash out, occupancy and property type etc. could affect rate and APR. 

To determine your payment amount, click here to use the payment calculator. Rates are based on individual credit history and are subject to change without notice. Rates are conventional-conforming loans only. Other rates and terms may apply for Jumbo and nonconforming/specialty portfolio programs. Please contact a Westerra Credit Union Mortgage Loan Officer at 303-321-4209 for more details. 

*APR=Annual Percentage Rate. Rates are subject to change without notice. Rates are based on individual credit history. To determine your payment amount, click here to use the payment calculator.

^APR=Annual Percentage Rate. Introductory balance transfer rate is valid for 12 billing cycles from account origination on balances transferred to a Visa Signature or Visa Select card from other financial institutions.

+Your APR is the Prime Rate plus a margin of 4.65% - 15.65% for the Visa Select or 6.65% - 17.65% for the Visa Signature based on your credit qualification. APRs will vary with the market based on the Prime Rate. Published APR is effective as of 4/1/2020. Foreign Transaction Fees are 1.00% of the U.S. dollar amount of the foreign transaction for foreign currency conversions and 0.80% of the U.S. dollar amount of the foreign transaction for International Service Fee (ISA). Cash Advance Fee is 2%.

*APY=Annual Percentage Yield. Dividends are computed using the daily balance method and are paid monthly. Any fees may reduce earnings. Rates subject to change without notice. You are allowed up to six withdrawals (transfers, cash or checks) per month.

+No minimum amount required to earn dividends on minor accounts.

Your savings federally insured up to $250,000 by the National Credit Union Administration and backed by the full faith and credit of the United States Government.