What are the current interest rates at Westerra Credit Union?

Current rates for Westerra Credit Union include: 12-Month CD: 1.60%, 18-Month CD: 3.50%, 24-Month CD: 1.55%, 60-Month CD: 1.65%, Savings: 0.05%, MMA: 0.05%

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Westerra Credit Union

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Westerra Credit Union Rates & Review September 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 and Verified: September 22, 2026

Westerra Credit Union's 31 Month CD rates are at 3.75%, 13 Month CD rates are at 3.50%, 19 Month CD rates are at 3.50%, 5 Month CD rates are at 3.50%, 3 Month CD of Deposit (CD) rates are at 1.85%. 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 Jumbo 7/6M SOFR ARM - Purchase rates are at 6.25%, Conventional First Mortgage Loans - 15-Year Fixed - Purchase rates are at 6.62%, Jumbo 15-Year Fixed - Purchase rates are at 6.75%, Jumbo 30-Year Fixed - Purchase rates are at 6.88%, Conventional First Mortgage Loans - 30-Year Fixed - Purchase rates are at 7.12%. Westerra Credit Union's Personal Loan Rates are as low as 9.99%. Westerra Credit Union's Credit Card Rates are at 11.40%. 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 10.78%. Rates last updated and verified on 09/22/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.78%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

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 CD	3.69%	3.75%	31 Month
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
13 Month Certificate	3.45%	3.50%	13 Month
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
19 Month Certificate	3.45%	3.50%	19 Month
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
5 Month Certificate	3.45%	3.50%	5 Month
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
3 Month Certificate of Deposit (CD)	1.83%	1.85%	3 Month
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Certificates of Deposit (CDs) - 3 Month	1.83%	1.85%	3 Month
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Individual Retirement Account (IRA) CDs - 3 Month	1.83%	1.85%	3 Month
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
6 Month Certificate of Deposit (CD)	1.69%	1.70%	6 Month
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Certificates of Deposit (CDs) - 6 Month	1.69%	1.70%	6 Month
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Individual Retirement Account (IRA) CDs - 6 Month	1.69%	1.70%	6 Month
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
60 Month Certificate of Deposit (CD)	1.64%	1.65%	60 Month
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
60 Month Jumbo Certificates of Deposit (CDs)	1.64%	1.65%	60 Month
Min Balance $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Certificates of Deposit (CDs) - 60 Month	1.64%	1.65%	60 Month
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Individual Retirement Account (IRA) CDs - 60 Month	1.64%	1.65%	60 Month
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
12 Month Certificate of Deposit (CD)	1.59%	1.60%	12 Month
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
12 Month Jumbo Certificates of Deposit (CDs)	1.59%	1.60%	12 Month
Min Balance $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
48 Month Certificate of Deposit (CD)	1.59%	1.60%	48 Month
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Certificates of Deposit (CDs) - 12 Month	1.59%	1.60%	12 Month
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Certificates of Deposit (CDs) - 48 Month	1.59%	1.60%	48 Month
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Individual Retirement Account (IRA) CDs - 12 Month	1.59%	1.60%	12 Month
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Individual Retirement Account (IRA) CDs - 48 Month	1.59%	1.60%	48 Month
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
24 Month Certificate of Deposit (CD)	1.54%	1.55%	24 Month
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
24 Month Jumbo Certificates of Deposit (CDs)	1.54%	1.55%	24 Month
Min Balance $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
36 Month Certificate of Deposit (CD)	1.54%	1.55%	36 Month
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Certificates of Deposit (CDs) - 24 Month	1.54%	1.55%	24 Month
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Certificates of Deposit (CDs) - 36 Month	1.54%	1.55%	36 Month
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Individual Retirement Account (IRA) CDs - 24 Month	1.54%	1.55%	24 Month
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Individual Retirement Account (IRA) CDs - 36 Month	1.54%	1.55%	36 Month
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

Westerra Credit Union Savings Rates

Product	Rate	APY
SummerPay Saver++	5.84%	6.00%
Min Balance $0 Details Balance: $0 - $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Savings Accounts	0.05%	0.05%
Min Balance $100 Details Balance: $100 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Holiday Club	0.05%	0.05%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
IRA Savings	0.05%	0.05%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Regular Savings	0.05%	0.05%
Min Balance $100 Details Balance: $100 or more+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
SummerPay Saver++	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000.01+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

Westerra Credit Union Money Market Rates

Product	Rate	APY
Business Money Market Select	3.20%	3.25%
Min Balance $250,000 Details Balance: $250,000+; If requirements are met, the following rates will apply: Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Market Select	3.20%	3.25%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Money Market Select	3.20%	3.25%
Min Balance $250,000 Details Qualifications Required: requirements*; Balance: $250,000+; If requirements* are met, the following rate will apply Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Money Market Select	3.20%	3.25%
Min Balance $100,000 Details Qualifications Required: requirements***; Balance: $100,000-$249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Market Select	2.96%	3.00%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Money Market Select	2.96%	3.00%
Min Balance $50,000 Details Qualifications Required: requirements***; Balance: $50,000-$99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Market Select	2.47%	2.50%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Market Select	2.47%	2.50%
Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Money Market Select	2.47%	2.50%
Min Balance $25,000 Details Qualifications Required: requirements***; Balance: $25,000-$49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Money Market Select	2.47%	2.50%
Min Balance $10,000 Details Qualifications Required: requirements***; Balance: $10,000-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Market Select	1.98%	2.00%
Min Balance $1,000 Details Balance: $1,000-$9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Market Select	1.98%	2.00%
Min Balance $0 Details Balance: $0-$999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Money Market Select	1.98%	2.00%
Min Balance $1,000 Details Qualifications Required: requirements***; Balance: $1,000-$9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Money Market Select	1.98%	2.00%
Min Balance $0 Details Qualifications Required: requirements***; Balance: $0-$999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Money Market Account	1.00%	1.00%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Money Market Account	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Market Accounts	0.90%	0.90%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Market Accounts	0.90%	0.90%
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Market Accounts	0.90%	0.90%
Min Balance $500,000 Details Balance: $500,000 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Money Market Account	0.90%	0.90%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Market Accounts	0.80%	0.80%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Money Market Account	0.80%	0.80%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Market Accounts	0.70%	0.70%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Money Market Account	0.70%	0.70%
Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Market Accounts	0.60%	0.60%
Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Money Market Account	0.60%	0.60%
Min Balance $1,000 Details Balance: $1,000-$9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Money Market Account	0.60%	0.60%
Min Balance $0 Details Balance: $0-$999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Market Accounts	0.50%	0.50%
Min Balance $0 Details Balance: $0-$4999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Market Accounts	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000-$9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Market Select	0.05%	0.05%
Details If requirements are not met, the following rate will apply; All balance tiers Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Money Market Select	0.05%	0.05%
Details Qualifications Required: requirements*; If requirements* are not met, the following rate will apply Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

Westerra Credit Union Checking Rates

Product	Rate	APY
Smart Money Checking	5.84%	6.00%
Min Balance $0 Details Balance: $0-$2,000.00; Qualifications Required; If requirements** are met, the following rate will apply to applicable Daily Balance Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Smart Money Checking	-	6.00%
Min Deposit $5 Min Balance $0 Details Qualifications Required: 16 combined debit/credit card purchase transactions per month; minimum of one (1) direct-deposit or Automatic Clearing House (ACH) of at least $500 per month; enrollment in online statements; Balance: $0.01-$2,000.00; Reverse tier checking account. Your first $2,000.00 will make you 6.00% APY, and then your next chunk of cash will make you 3.00% and so on when you meet the requirements. Even if you don't meet all the monthly requirements, you're guaranteed to earn .01% interest. Limit one Smart Money Checking per membership. Membership eligibility required. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Smart Money Checking	2.96%	3.00%
Min Balance $2,000 Details Balance: $2,000.01-$4,000.00; Qualifications Required; If requirements** are met, the following rate will apply to applicable Daily Balance Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Smart Money Checking	-	3.00%
Min Deposit $5 Min Balance $2,000 Details Qualifications Required: 16 combined debit/credit card purchase transactions per month; minimum of one (1) direct-deposit or Automatic Clearing House (ACH) of at least $500 per month; enrollment in online statements; Balance: $2,000.01 and over; Reverse tier checking account. Your first $2,000.00 will make you 6.00% APY, and then your next chunk of cash will make you 3.00% and so on when you meet the requirements. Even if you don't meet all the monthly requirements, you're guaranteed to earn .01% interest. Limit one Smart Money Checking per membership. Membership eligibility required. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Smart Money Checking	1.00%	1.00%
Min Balance $4,000 Details Balance: $4,000.01-$6,000.00; Qualifications Required; If requirements** are met, the following rate will apply to applicable Daily Balance Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Smart Money Checking	0.50%	0.50%
Min Balance $6,000 Details Balance: $6,000.01-$8,000.00; Qualifications Required; If requirements** are met, the following rate will apply to applicable Daily Balance Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Smart Money Checking	0.25%	0.25%
Min Balance $8,000 Details Balance: $8,000.01-$10,000.00; Qualifications Required; If requirements** are met, the following rate will apply to applicable Daily Balance Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business High Balance Checking+	0.20%	0.20%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business High Balance Checking+	0.20%	0.20%
Min Balance $250,000 Details Balance: $250,000 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business High Balance Checking+	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business High Balance Checking+	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Preferred Checking	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Interest Checking	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business High Balance Checking+	0.10%	0.10%
Min Balance $0 Details Balance: $0-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Preferred Checking	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Preferred Checking	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Preferred Checking	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Interest Checking	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Preferred Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0-$4,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Interest Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Smart Money Checking	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000.01+; Qualifications Required; If requirements** are met, the following rate will apply to applicable Daily Balance Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Smart Money Checking	-	0.01%
Min Deposit $5 Min Balance $0 Details Guaranteed interest for your account. Even if you don't meet the monthly requirements to max out your APY, you still earn .01% APY. Limit one Smart Money Checking per membership. Membership eligibility required. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Smart Money Checking	-	0.01%
Min Balance $0 Details Balance: $0.00 - $2,000.00; Guaranteed interest rate if monthly requirements are not met. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

Westerra Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Jumbo 7/6M SOFR ARM - Purchase	6.25%	-	6.33%	7/6M SOFR ARM
Details Discount: (0.125%) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Conventional First Mortgage Loans - 15-Year Fixed - Purchase	6.63%	-	6.70%	15-Year
Details Discount: (0.125%) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Jumbo 15-Year Fixed - Purchase	6.75%	-	6.78%	15-Year
Details Discount: (0.125%) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Jumbo 30-Year Fixed - Purchase	6.88%	-	6.90%	30-Year
Details As low as; Discount: (0.375%) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Conventional First Mortgage Loans - 30-Year Fixed - Purchase	7.13%	-	7.17%	30-Year
Details Discount: (0.125%) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Conventional First Mortgage Loans - 30-Year Fixed VA - Purchase	7.25%	0.125%	7.44%	30-Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Conventional First Mortgage Loans - 7/6M SOFR ARM - Purchase	7.61%	2.250%	8.13%	7/6M SOFR ARM
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

Westerra Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Select Line of Credit	-	-	7.24%	Up to 240 Months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Fixed Rate Home Equity Loans	-	-	7.74%	Up to 60 Months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Fixed Rate Home Equity Loans	-	-	7.74%	61-120 Months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Fixed Rate Home Equity Loans	-	-	7.74%	121-180 Months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

Westerra Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	5.74%	0-60 Months
Details Rates as low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Auto Loans	-	-	5.74%
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Auto Loans	-	-	5.79%	61-72 Months
Details Rates as low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Auto Loans	-	-	5.84%	73-84 Months
Details Rates as low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

Westerra Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles Loan	-	7.24%	0-60 Months
Details Rates as low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Motorcycles Loan	-	7.49%	61-72 Months
Details Rates as low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Motorcycles Loan	-	8.24%	73-84 Months
Details Rates as low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Motorhomes Loan	-	8.99%	0-60 Months
Details Rates as low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Motorhomes Loan	-	9.24%	61-72 Months
Details Rates as low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Motorhomes Loan	-	9.49%	73-84 Months
Details Rates as low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

Westerra Credit Union Credit Card Rates

Product	Rate	APR
Visa Select Card	-	11.40%
Details Published APR range: 11.40%-21.00%. variable APR+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Visa Select lowinterest credit card	-	11.40%
Details Published APR range: 11.40%-21.00%. Rewards: Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Visa Card	-	12.40%
Details APR range: 12.40%-21.00% variable APR+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Visa Signature Card	-	13.40%
Details Published APR range: 13.40%-21.00%. variable APR+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Visa Signature rewards credit card	-	13.40%
Details Published APR range: 13.40%-21.00%. Rewards: 1.25 reward points for every $1 you spend.** Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Visa Rewards Card	-	14.40%
Details APR range: 14.40%-21.00% variable APR+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

Westerra Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.99%
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Unsecured Loan	10.24%
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Visa Signature Card	13.40%
Details Published APR range: 13.40%-21.00%. variable APR+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Visa Signature rewards credit card	13.40%
Details Published APR range: 13.40%-21.00%. Rewards: 1.25 reward points for every $1 you spend.** Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

Westerra Credit Union Other Rates

Product	Rate	Points	APY/APR
Business Equipment Loan	-	-	8.24%
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Line of Credit	-	-	11.25%
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Home Improvement Loan	-	-	8.99%
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
RENU Energy Efficient Loan	-	-	7.74%
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Westerra Energy Efficient Loan	-	-	7.99%
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Reverse Tier Account	-	-	6.00%
Min Balance $0 Details Balance: $0 - $2,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Reverse Tier Account	-	-	3.00%
Min Balance $2,001 Details Balance: $2,001 - $4,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Reverse Tier Account	-	-	1.00%
Min Balance $4,001 Details Balance: $4,001 - $6,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Reverse Tier Account	-	-	0.50%
Min Balance $6,001 Details Balance: $6,001 - $8,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Reverse Tier Account	-	-	0.50%
Min Balance $8,001 Details Balance: $8,001+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

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.
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Financial Health History

Westerra Credit Union’s Texas Ratio rose from 2.06% in Q2 2023 to 10.78% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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
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+
June 30, 2023	$2.2B	2.06%	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.

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 300

Part-Time Employees 7

Branch Locations 9

ATM Locations 9

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.78%

Return on Assets (ROA)

0.1044%

Return on Equity (ROE)

1.0201%

Non-Performing Loans Ratio (NPL)

1.71%

Total Assets

2,047,123,444

Total Amount of Shares and Deposits

1,699,413,192

Total Shares and Deposits < 1 Year

1,625,268,161

Total Shares and Deposits 1 3 Years

64,209,164

Total Shares and Deposits > 3 Years

9,935,866

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

169,446,968

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

169,446,968

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

1,529,966,224

Total Interest Expense (Sum of items 6 8)

11,777,387

Share Certificates

10,932

Number of Accounts for Share Drafts

66,739

IRA KEOGH Accounts

3,048

Number of Accounts for Regular Shares

118,567

Money Market Shares

22,060

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)

63,647,329

Total Liabilities

1,852,191,264

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Westerra Credit Union earned the Verified Healthy badge

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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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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.

Current Westerra Credit Union Rates

12-Month CD1.60%
18-Month CD3.50%
24-Month CD1.55%
60-Month CD1.65%
Savings0.05%
MMA0.05%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Westerra Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Westerra Credit Union Texas Ratio

Westerra Credit Union Health Trend

Westerra Credit Union CD Rates

Westerra Credit Union Savings Rates

Westerra Credit Union Money Market Rates

Westerra Credit Union Checking Rates

Westerra Credit Union Mortgage Rates

Westerra Credit Union Home Equity & HELOC

Westerra Credit Union Auto Loan Rates

Westerra Credit Union RV, Boat and Powersport Loan Rates

Westerra Credit Union Credit Card Rates

Westerra Credit Union Personal Loan Rates

Westerra Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Westerra Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Westerra Credit Union

How many branches does Westerra Credit Union operate?

Is a member application needed to join Westerra Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Westerra Credit Union offer online and mobile banking?

Current Westerra Credit Union Rates

Compare to Other Credit Unions