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Everyday money account

Open a free Everyday Money spending and savings account* in about 5 minutes.

As a bonus - shop using your Westerra debit and credit cards to earn rewards points for your purchases.

Free digital banking

All Westerra members get access to a free Digital Banking portal and mobile app that makes it easier than ever to keep track of payments.

Set up low balance alerts

You can set alerts in Digital Banking to get notified if your account reaches a certain high or low balance, or if transactions over a certain amount take place in your account.

Download the CardNav app

Receive notifications on your phone every time a transaction is made on your account, turn your credit & debit cards on or off instantly and more. Download this free app for iOS (Apple App Store) or Android (Google Play).

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Pay on the Go with Digital Wallet.

Add your Westerra card to Apple®, Google™ or Samsung Pay™ Digital Wallet to always have a convenient, secure way to pay in-store, online and in-app. 

Restrictions apply. Apple, Google and Samsung are registered trademarks.

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Everyday Money (and earning)

Our Spend Accounts help you spend and earn with a Westerra Visa® debit card that offers a selection of rewards for you to choose, and is a Bank On Certified account by the national Cities for Financial Empowerment Fund, which ensures low cost, high functionality & consumer safety.

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Interested in earning interest?

Get rewarded with higher interest for a higher balance. It's your typical checking account with some extra incentives.

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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.

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Why do so many Colorado businesses choose Westerra?

Westerra in the Mile High & beyond
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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.

Debit Card Assistance

Westerra Rewards

Browse cash back, travel, gift cards and merchandise rewards, or go here for more information on how to redeem Westerra Rewards points.

Pay on the Go

Set up your Apple®, Google™ or Samsung Pay™ on your device to pay with your Westerra card on the go. Learn more about how to set up digital wallets here.

Card assistance

PIN changes

If you would like to change your existing PIN number (and know what your current PIN number is!) please visit any Westerra ATM. If you need to create a new PIN issued on your consumer debit card, visit any branch during regular business hours and receive it the same day or if you would like to receive a new PIN in the mail, call us at 303-321-4209 or 1-800-858-7212 for assistance.

Travel alerts

Send us a message through Digital Banking or notify us at 303-321-4209 with your travel dates and destination to head off any potential fraud alert service interruption.

CardNav security

Download this free app for iOS (Apple App Store) or Android (Google Play) to add an extra layer of protection to your debit or credit cards.

Start your savings today (like, right here)

Personal Savings Accounts
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There’s no place like home

Explore loans
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Give your wallet some credit

Explore credit cards
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Ready to become a Westerra member?

We'd love for you to join our community

How to Apply for a Membership

*Membership eligibility required and account qualifications apply. $5 prime share deposit required for membership. A $25 opening deposit is required for an Everyday Money Spending account. Transactions at ATMs not owned by Westerra or in a partnership with the CO-OP Network may incur fees by the machine’s owner. Review Westerra’s important account information and Fee Schedule for more information.

**At Westerra Credit Union, our approach is to help members better manage their accounts by providing money management tools.Westerra Credit Union is known for fewer fees. Here's our Service Charge and Fee Schedule.

Visa and the 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.