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Westerra Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 29, 2026
Westerra Credit Union's CD of Deposit - 3 Month rates are at 1.85%, CD of Deposit - 6 Month rates are at 1.70%, CD of Deposit - 60 Month rates are at 1.65%, CD of Deposit - 12 Month rates are at 1.60%, CD of Deposit - 48 Month rates are at 1.60%. Westerra Credit Union's savings rates are at 0.05%. Westerra Credit Union's money market rates are at 3.25%. Westerra Credit Union's checking rates are as high as 6.00%. Westerra Credit Union's Jumbo 7/6M SOFR ARM - Purchase rates are at 6.38%, 15-Year Fixed - Purchase rates are at 6.62%, 7/6M SOFR ARM - Purchase rates are at 6.75%, Jumbo 15-Year Fixed - Purchase rates are at 6.75%, Jumbo 30-Year Fixed - Purchase rates are at 7.00%. Westerra Credit Union's Personal Loan Rates are as low as 9.99%. Westerra Credit Union's Credit Card Rates are at 11.40%. Westerra Credit Union's CD rates are 30% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Westerra Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.20%. Rates last updated and verified on 10/29/2026.
Westerra Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Westerra Credit Union? Share your experience about Westerra Credit Union by leaving a review below, or read customer reviews before you decide to use Westerra Credit Union.
Westerra Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Westerra Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
3.20%
ExcellentLower than avg
Westerra Credit Union Texas Ratio
Westerra Credit Union's Texas Ratio is 3.20%, which is considered excellent and is lower than the national average of 6.13%.
Westerra Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.29% to 3.20% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Westerra Credit Union CD Rates
Product
Rate
APY
Term
View More
19 Month Promo Certificate of Deposit
3.928%
4.00%
19 Month
Min Balance$500
DetailsPromo CD; APY based on minimum balance of $500; Dividends paid monthly; Rates accurate as of 10/01/2026; Early withdrawal penalties apply
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
1 change since Sep 14, 2026 · 11.40% → 11.65% ▲ 0.25 pts · high 11.65% / low 11.40%
Oct 9, 202611.65%▲ from 11.40%
Sep 14, 202611.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.20%
Business Visa Card
-
12.65%
DetailsPublished APR range: 12.65%-21.00%. Variable APR+; APR is Prime Rate plus margin 5.65%-16.65%
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 12.40% → 12.65% ▲ 0.25 pts · high 12.65% / low 12.40%
Oct 9, 202612.65%▲ from 12.40%
Sep 14, 202612.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.20%
Visa Signature Rewards Credit Card
-
13.40%
DetailsPublished APR range: 13.40%-21.00%. Variable APR; Rewards: 1.25 reward points for every $1 you spend; Annual fee:; Bonus: 10,000 bonus points when you spend $3,000 within the first 90 days
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 13.40% APR · checked 9 times
1 change since Sep 14, 2026 · 13.40% → 13.65% ▲ 0.25 pts · high 13.65% / low 13.40%
Oct 9, 202613.65%▲ from 13.40%
Sep 14, 202613.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.20%
Business Visa Rewards Card
-
14.65%
DetailsPublished APR range: 14.65%-21.00%. Variable APR+; APR is Prime Rate plus margin 7.65%-18.65%
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 14.40% → 14.65% ▲ 0.25 pts · high 14.65% / low 14.40%
Oct 9, 202614.65%▲ from 14.40%
Sep 14, 202614.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.20%
Westerra Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
9.99%
DetailsAs Low As; Other Member Loans; Rates are based on individual credit history
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.20%
Other Business Loans - Unsecured
10.49%
DetailsAs Low As; APR (Other Business Loans table)
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 10.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.20%
Visa Signature Rewards Credit Card
13.40%
DetailsPublished APR range: 13.40%-21.00%. Variable APR; Rewards: 1.25 reward points for every $1 you spend; Annual fee:; Bonus: 10,000 bonus points when you spend $3,000 within the first 90 days
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 13.40% APR · checked 9 times
1 change since Sep 14, 2026 · 13.40% → 13.65% ▲ 0.25 pts · high 13.65% / low 13.40%
Oct 9, 202613.65%▲ from 13.40%
Sep 14, 202613.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.20%
Westerra Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Business Line of Credit
-
-
11.50%
DetailsAs Low As; APR (Other Business Loans table)
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 11.25% → 11.50% ▲ 0.25 pts · high 11.50% / low 11.25%
Oct 9, 202611.50%▲ from 11.25%
Sep 14, 202611.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.20%
Home Improvement Loan
-
-
8.99%
DetailsAs Low As; Other Member Loans; Rates are based on individual credit history
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.20%
Other Business Loans - Equipment
-
-
8.24%
DetailsAs Low As; APR (Other Business Loans table)
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 8.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.20%
RENU Energy Efficient Loan
-
-
7.74%
DetailsAs Low As; Other Member Loans; Rates are based on individual credit history
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.20%
Westerra Energy Efficient Loan
-
-
7.99%
DetailsAs Low As; Other Member Loans; Rates are based on individual credit history
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.20%
Financial Health History
Westerra Credit Union’s Texas Ratio rose from 2.29% in Q3 2023 to 3.20% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$2.1B
3.20%
5.0
A+
March 31, 2026
$2.0B
10.78%
5.0
A
December 31, 2025
$2.1B
10.90%
5.0
A
September 30, 2025
$2.1B
3.44%
5.0
A+
June 30, 2025
$2.1B
3.06%
5.0
A+
March 31, 2025
$2.1B
2.39%
5.0
A+
December 31, 2024
$2.1B
2.85%
5.0
A+
September 30, 2024
$2.1B
2.90%
5.0
A+
June 30, 2024
$2.1B
2.55%
5.0
A+
March 31, 2024
$2.1B
1.97%
5.0
A+
December 31, 2023
$2.2B
2.48%
5.0
A+
September 30, 2023
$2.2B
2.29%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Westerra Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Westerra Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Westerra Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
159,405,445
Total Uninsured Shares and Deposits > $250K (F+J)
159,405,445
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,511,011,039
Total Interest Expense (Sum of items 6 8)
23,481,643
Share Certificates
10,685
Number of Accounts for Share Drafts
65,452
IRA KEOGH Accounts
2,944
Number of Accounts for Regular Shares
115,861
Money Market Shares
22,271
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
58,434,231
Total Liabilities
1,863,221,374
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Westerra Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Westerra Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Westerra Credit Union
Frequently Asked Questions About Westerra Credit Union
Does Westerra Credit Union offer CDs?
Yes. Westerra Credit Union current CD rates include its CD of Deposit - 3 Month at 1.85% APY, its CD of Deposit - 6 Month at 1.70% APY and its CD of Deposit - 60 Month at 1.65% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Westerra Credit Union NCUA insured?
Yes. Westerra Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Westerra Credit Union?
The highest Westerra Credit Union CD rate is its 19 Month Promo CD of Deposit at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Westerra Credit Union offer?
Westerra Credit Union CD rates are 1.85% APY for a 3 month CD, 1.70% APY for a 6 month CD, 1.60% APY for a 12 month CD, 4.00% APY for an 18 month CD, 1.55% APY for a 2 year CD, 1.60% APY for a 4 year CD and 1.65% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Westerra Credit Union for its full lineup.
What is the highest savings rate at Westerra Credit Union?
The highest Westerra Credit Union savings rate is its Business Savings Accounts at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at Westerra Credit Union?
The highest Westerra Credit Union money market rate is its Business Money Market Select at 3.25% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at Westerra Credit Union?
The highest Westerra Credit Union checking rate is its Business High Balance Checking at 0.20% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest 30 year fixed mortgage rate at Westerra Credit Union?
The lowest Westerra Credit Union 30 year fixed mortgage rate is its Jumbo 30-Year Fixed - Purchase at 7.00%, verified by MonitorBankRates as of October 29, 2026. Westerra Credit Union mortgage rates are 7.125% for a 30 year mortgage and 6.625% for a 15 year mortgage.
What is the lowest auto loan rate at Westerra Credit Union?
The lowest Westerra Credit Union auto loan rate is its Auto Loans at 6.24% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at Westerra Credit Union?
The lowest Westerra Credit Union personal loan rate is its Personal Loan at 9.99% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at Westerra Credit Union?
The lowest Westerra Credit Union credit card APR is its Visa Select low-interest credit card at 11.40% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does Westerra Credit Union operate?
Westerra Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Westerra Credit Union?
Yes, to access services at Westerra Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Westerra Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Westerra Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Westerra Credit Union offer online and mobile banking?
Most modern institutions like Westerra Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://westerracu.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Westerra Credit Union rates compare?
Westerra Credit Union's CD rates are 30% lower than the MonitorBankRates national average, and it has an A+ health rating. Westerra Credit Union's top rates are its 19 Month Promo CD of Deposit at 4.00% APY, its Business Savings Accounts at 0.05% APY, its Business Money Market Select at 3.25% APY, its Smart Money Checking at 6.00% APY, its Jumbo 7/6M SOFR ARM - Purchase at 6.375%, its Personal Loan at 9.99% APR and its Visa Select low-interest credit card at 11.40% APR, verified by MonitorBankRates on October 29, 2026.
Current Westerra Credit Union Rates
12-Month CD1.60%
18-Month CD4.00%
24-Month CD1.55%
60-Month CD1.65%
Savings0.05%
MMA3.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
