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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 4/1/2023. 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.

*Annual Percentage Yield. The dividend rate and APY are subject to change without notice. Dividends are computed using the average 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 Amount of penalty for early withdrawal on the amount withdrawn for Business CDs is 90 days dividends on CDs of 12 months or less, and 180 days dividends on CDs over 12 months.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 average daily balance method and are paid monthly. $5,000 average daily balance to avoid maintenance fee. Any fees may reduce earnings.

***The dividend rate and APY are subject to change without notice. Dividends are computed using the average daily balance method and are paid monthly. APY is based on minimum account balance of $100. Any fees may reduce earnings.

^The dividend rate and APY are subject to change without notice. Dividends are computed using the average 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. 

**Offer available to new and existing members on Certificate of Deposit (CD) accounts. Individual Retirement Accounts (IRA) CDs are included in this offer. Membership eligibility and restrictions apply. Federally insured by NCUA. Annual Percentage Yield (APY) is effective as of 12/1/2024. This is a limited-time offer, and we reserve the right to modify or cancel the terms and conditions of the CD Offering at any point without notice. The minimum balance requirement to open a 5-month CD or IRA CD and earn the advertised fixed APY rate of 4.00% is $500.

The APY fixed rate of earnings assumes that the account balance remains at or above the stated minimum balance requirement for the full term of the CD. Penalties may be imposed for early withdrawals. Fees may reduce earnings. Individual Retirement Plans are subject to contribution, income, and rollover limitation; consult your tax advisor. At maturity, if you choose to renew your CD, the 13-month CD proceeds will automatically renew at a 12-month CD with the APY earnings base rate of interest in effect at that time. A grace period of 7 calendar days for renewal is available. Interest is paid monthly.

Review the Service Charge and Fee Schedule, the Certificate of Deposit purchase receipt, and the Membership Account Agreements, Disclosures and Information Guide for additional details.

***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 4.49% 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 1/2/2025, APR as low as 7.99% 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 Opportunity.

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, $400K or $900K (Jumbo) loan amounts at 60% LTV. Purchase scenarios based on 760+ FICO, $400K or $900K (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 12/1/2024. 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.

**APY=Annual Percentage Yield. The requirements needed to receive the dividend rate are (i) minimum average daily balance that corresponds to the desired rate (ii) 16 combined debit/credit card purchase transactions that post and clear in the statement months as (i), on the same membership account (iii) a minimum of one (1) direct-deposit or Automatic Clearing House (ACH) of at least $500 per month (iv) enrollment in online statements. 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 dividend rate that corresponds to each minimum balance tier. IRA, Roth IRA, and Business accounts are not eligible for this product. Rates subject to change without notice. See Membership and Account Agreement for Nature of Dividends under our resource tab.

*** 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 as (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 dividend rate that corresponds to each minimum balance tier. IRA, Roth IRA, and Business accounts are not eligible for this product. Rates subject to change without notice.

+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.