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Ready, set, save

Start your savings today (Like, right here)

Get a savings account today! It takes 5 minutes to open and start saving for all those goals — education, a new car, and maybe even a much deserved vacation.

Move your money local

Westerra isn't a bank, it's a credit union. That means there's no stockholders — and your funds stay here in our local economy. 

Federally insured by NCUA

Deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA). Learn how share insurance rules apply with the NCUA's Deposit insurance Calculator.

Your Membership Starts Here

If you're not already a member, you can open up a Westerra account with a minimum deposit of $5. You'll become a member of our modern financial community. Make connections. And prepare for your future.

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IRAs: Save for future you

Financial security for the future starts now. Earn competitive rates on the money you put away with individual retirement accounts.

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Make money on your money with a certificate of deposit 

Think of a certificate of deposit like savings on steroids. You'll earn money on your account balance with competitive rates. There's only a $500 minimum deposit, and dividends are paid monthly.

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MMAs (no, the other kind)

Money market accounts help you get higher rates on your savings — all while still keeping your money easily accessible. Federally insured by NCUA up to $250,000.

Quick access

Unlike CDs, you'll have easy access to your money, similar to a savings account. 

Higher interest rates

Get interest rates comparable to certificates of deposit — the greater your account balance, the more you'll earn.

Monthly $

The greater your account balance, the more interest you will earn. Interest is computed daily and paid monthly. Interest earned is based on account balance.

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Kids savings: start 'em while they're young

They might be little now, but someday they'll be flying the nest. College. World travels. Maybe even space travel. Either way, you can start saving money gradually over time to prepare for their future and get a debit card for a kid at any age too.

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School your savings with Coverdell Education

Coverdell Education (formerly the Education IRA) can be used to save for qualified elementary, secondary or higher education expenses for a child. That's smart savings.

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Make the holidays happy with special savings

Stress-less during the most wonderful time of the year with holiday club accounts. Make automatic payroll deductions for holiday shopping, travel, and dining.

Set it and forget it

Automatic payroll deduction sets aside money before it even hits your wallet. You'll be saving without a second thought! You can also deposit additional cash at any time.

Oct. 31 transfer

Funds are automatically transferred to your checking or savings account at the beginning of the holiday shopping season. If you prefer, a check can also be mailed to you.


... Is computed daily and paid monthly. Your account remains open for future deposits after funds are distributed each year, unless you specify otherwise.

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The Westerra humble-brag

→ Why us? Westerra's community is built on meaningful personal relationships, not transactions. We're here for you with real support for your goals, your money and your financial education. That's the Westerra way.

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Ready to start saving with Westerra?

We'd love for you to join our community. 

How to Apply for a Membership

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Savings Calculator

*Interest can be deposited directly into your Certificate of Deposit or Share Savings Account, or it can be mailed to you in check form. Early withdrawal penalties apply. This penalty may reduce earnings.  Federally insured by NCUA.

 Example assumes 7% Annual Percentage Yield.