Account takeovers are on the rise. Here is how to protect yourself.
Scams continue to evolve, and account takeovers are showing up more often in ways that feel personal and convincing.
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Your Colorado credit union.
As a homegrown Colorado credit union, we understand what it means to live here, work here and manage your money in ways that make sense here. Together with our members, we support and build the Colorado we all know and love.
Because together, you can do money.
A HELOC with a better rate is here:
HELOC Select lets you borrow up to $150,000 of your home value with as low as 4.99% APR for 12 months, with get this — no closing costs**. Pro-tip: lock it in ASAP because this rate won't last long.
Checking and savings accounts that work for your money.
Westerra Smart Money Checking Benefits and Perks
No monthly maintenance fee
Early Paycheck: Get paid up to 2 days early with direct deposit
Apple Pay® / Google Pay™ / Samsung Pay™
Overdraft protection services and Courtesy Pay***
Mobile Deposit
Learn more about checking account and card services.
Savings that works as hard as you do
You give your all every day. Your savings should keep up. Money Market Select is designed to help your money grow while staying flexible and easy to access.
Grow your savings without locking your money away
Get rewarded for everyday habits like using your debit card
Easy access to your money when you need it
No monthly fees
No minimum balance
Westerra is a trusted Colorado credit union. In the past year...
Westerra News and Resources
Is refinancing a smart way to pay off debt?
If you’re a homeowner managing high interest debt, you’re not alone. Many members are asking an important question right now: Should I refinance my mortgage to pay off debt?
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3 signs it may be time to refinance your auto loan
Auto loan rates have taken quite a ride over the last few years. Before the pandemic, rates were steady and generally low. When the economy shifted, both rates and vehicle prices climbed quickly.
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APY*= Annual Percentage Yield; Membership eligibility required
Smart Money Checking:
*Annual Percentage Yield (APY) is accurate as of 8/1/2025. The rate may change without notice after the account is opened. Fees may reduce earnings. $5 prime share deposit required for membership. A $5 opening deposit is required for a Smart Money Checking account. 6.00% APY applies to average daily balances up to and including $2,000. 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.The requirements needed to receive the dividend rate are (i) minimum average daily balance that corresponds to the desired rate, (ii) 16 combined debit/credit card purchase transactions that post and clear in the statement month (a) a statement month ends at 6pm MST on the last calendar day of the month, as (b), on the same membership account, (iii) a minimum of one (1) direct-deposit or Automatic Clearing House (ACH) of at least $500 per month, (iv) enrollment in online statements. ATM and cash advance transactions do not count toward the debit card transaction requirement. Requirements are waived the first statement cycle the new share is opened and will earn the dividend rate that corresponds to each minimum balance tier. IRA, Roth IRA, and Business accounts are not eligible for this product. Rates subject to change without notice. See Membership and Account Agreement for Nature of Dividends under our resource tab.
***Qualified members are automatically enrolled in Opt-IN for ACH and draft checks but are not automatically enrolled for onetime and recurring debit card transactions. Accounts must be brought positive within 30 days of going negative. Courtesy Pay Opt-In
