What are the current interest rates at Westerra Credit Union?

Current rates for Westerra Credit Union include: 12-Month CD: 3.40%, 18-Month CD: 3.50%, Savings: 0.05%, MMA: 0.05%

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Westerra Credit Union

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Westerra Credit Union Rates & Review July 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 26, 2026

Westerra Credit Union's 31 Month rates are at 3.75%, 19 Month rates are at 3.50%, 13 Month rates are at 3.40%, 5 Month rates are at 3.25%. Westerra Credit Union's savings rates are at 0.05%. Westerra Credit Union's money market rates are at 0.05%. Westerra Credit Union's 15-Year Fixed - Purchase rates are at 5.88%, Jumbo 15-Year Fixed - Purchase rates are at 6.00%, Jumbo 7/6M SOFR ARM - Purchase rates are at 5.75%, Jumbo 30-Year Fixed - Purchase rates are at 6.25%, 7/6M SOFR ARM - Purchase rates are at 6.12%. 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 3.44%. Rates were last updated on 06/26/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.44%

Excellent Lower than avg

Westerra Credit Union
CHERRY CREEK BRANCH

3700 E Alameda Ave
Denver, CO 80209

https://westerracu.com

Westerra Credit Union CD Rates

Product	Rate	APY	Term
31 Month	3.69%	3.75%	31 Month
Min Balance $500 Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
19 Month	3.45%	3.50%	19 Month
Min Balance $500 Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
13 Month	3.35%	3.40%	13 Month
Min Balance $500 Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
5 Month	3.20%	3.25%	5 Month
Min Balance $500 Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

Westerra Credit Union Savings Rates

Product	Rate	APY
Holiday Club	0.05%	0.05%
No additional details. Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
IRA Savings	0.05%	0.05%
No additional details. Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Regular Savings	0.05%	0.05%
Min Balance $100 Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

Westerra Credit Union Money Market Rates

Product	Rate	APY
Money Market Select	2.96%	3.00%
Min Balance $1,000 Details If requirements*** are met, the following rate will apply Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Money Market Select	0.05%	0.05%
Min Balance $0 Details If requirements*** are not met, the following rate will apply Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

Westerra Credit Union Checking Rates

Product	Rate	APY
Smart Money Checking	-	6.00%
Min Deposit $5 Min Balance $2,000 Details Qualifications Required: 16 combined debit/credit card purchase transactions that post and clear in the statement month; a minimum of one (1) direct-deposit or Automatic Clearing House (ACH) of at least $500 per month; enrollment in online statements; For average daily balances greater than $2,000, the APY may range from 0.05% to 3.00%. If requirements are not met, all balances will earn .01% APY. In order to get the higher rates, you must meet certain requirements each month. If you don't meet the requirements, an APY of 0.01% APY applies to all balances. Limit one Smart Money Checking per membership. Membership eligibility required. Rates subject to change without notice. See Membership and Account Agreement for Nature of Dividends under our resource tab. Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Smart Money Checking	-	0.05%
Details Qualifications Required: 16 combined debit/credit card purchase transactions that post and clear in the statement month; a minimum of one (1) direct-deposit or Automatic Clearing House (ACH) of at least $500 per month; enrollment in online statements; For average daily balances greater than $2,000, the APY may range from 0.05% to 3.00%. If requirements are not met, all balances will earn .01% APY. In order to get the higher rates, you must meet certain requirements each month. If you don't meet the requirements, an APY of 0.01% APY applies to all balances. Limit one Smart Money Checking per membership. Membership eligibility required. Rates subject to change without notice. See Membership and Account Agreement for Nature of Dividends under our resource tab. Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Smart Money Checking	-	0.01%
Details Qualifications Required: 16 combined debit/credit card purchase transactions that post and clear in the statement month; a minimum of one (1) direct-deposit or Automatic Clearing House (ACH) of at least $500 per month; enrollment in online statements; For average daily balances greater than $2,000, the APY may range from 0.05% to 3.00%. If requirements are not met, all balances will earn .01% APY. In order to get the higher rates, you must meet certain requirements each month. If you don't meet the requirements, an APY of 0.01% APY applies to all balances. Limit one Smart Money Checking per membership. Membership eligibility required. Rates subject to change without notice. See Membership and Account Agreement for Nature of Dividends under our resource tab. Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

Westerra Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed - Purchase	5.88%	0.000%	5.95%	15-Year Fixed
No additional details. Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Jumbo 15-Year Fixed - Purchase	6.00%	-	6.03%	15-Year Fixed
Details Discount: 0.000% Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Jumbo 7/6M SOFR ARM - Purchase	5.75%	-	6.08%	7/6M SOFR ARM
Details As Low As; Discount: (0.125%) Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Jumbo 30-Year Fixed - Purchase	6.25%	-	6.27%	30-Year Fixed
Details As Low As; Discount: (0.125%) Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
7/6M SOFR ARM - Purchase	6.13%	0.250%	6.32%	7/6M SOFR ARM
Details As low as 6.315% Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
30-Year Fixed - Purchase	6.50%	0.125%	6.55%	30-Year Fixed
Details As low as 6.546% Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
30-Year Fixed VA - Purchase	6.63%	0.375%	6.79%	30-Year Fixed VA
No additional details. Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

Westerra Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity HELOC Select	-	-	4.99%	12 months
Details As Low As; This promotional fixed rate applies for 12 months in a fixed-rate, interest-only segment. Effective May 1, 2026, eligibility for the promotional rate requires automatic payment from a Westerra checking account. The Variable Annual Percentage Rate (APR) for well-qualified borrowers as of January 15, 2026, is 7.24% and is subject to change without notice. The maximum APR for a variable-rate advance is 21%. The variable rate may change after account opening. Members must request creation of the Fixed Rate Segment within 45 days of loan origination. Westerra will assist with creating the fixed segment in-branch, by phone, or online. Conditions and restrictions apply, including but not limited to CLTV, debt-to-income ratio, and credit score requirements. Property must be insured, owner-occupied (primary or secondary residence), and located in Colorado. Offer valid on new HELOC Select lines only. Promotion ends June 30, 2026. Promotion subject to change or extension at Westerra's discretion. HELOC closing costs may include title and appraisal fees based on the amount requested and CLTV. Membership eligibility required. New prime share accounts are subject to a $5 membership setup fee and a $5 minimum deposit. All loans subject to approval. Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Home Equity Select Line of Credit	-	-	7.24%	Up to 240 Months
Details As Low As Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Fixed Rate Home Equity Loans	-	-	7.49%	Up to 60 Months
Details As Low As Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

Westerra Credit Union Credit Card Rates

Product	Rate	APR
Visa Signature Balance Transfer	-	3.90%
Details Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable APR+ Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Visa Select Card	-	11.40%
Details Regular APR: 11.40%-21.00% variable APR+ Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Visa Signature Card	-	13.40%
Details Regular APR: 13.40%-21.00% variable APR+ Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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.

Credit Union Profile & Overview

Credit Union Name Westerra Credit Union

Website https://westerracu.com

Address 3700 E Alameda Ave, Denver, CO 80209

Phone 303-321-4209

Fax 866-208-1598

President Andy Raicevich

CEO Todd Marksberry

Full-Time Employees 297

Part-Time Employees 5

Branch Locations 9

ATM Locations 10

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.44%

Return on Assets (ROA)

0.2580%

Return on Equity (ROE)

2.5574%

Non-Performing Loans Ratio (NPL)

0.54%

Total Assets

2,101,503,342

Total Amount of Shares and Deposits

1,682,754,369

Total Shares and Deposits < 1 Year

1,638,088,745

Total Shares and Deposits 1 3 Years

33,851,022

Total Shares and Deposits > 3 Years

10,814,600

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

165,060,994

Total Uninsured Shares and Deposits > $250K (F+J)

165,060,994

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,517,693,375

Total Interest Expense (Sum of items 6 8)

43,112,037

Share Certificates

12,203

Number of Accounts for Share Drafts

70,433

IRA KEOGH Accounts

3,261

Number of Accounts for Regular Shares

138,650

Non Member Deposits

Money Market Shares

21,685

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

81,043,607

Total Liabilities

1,907,283,911

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Westerra Credit Union

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.