Business Details
50+ Years
experience
Emergency
services
Your Trusted Partner for Local Banking Solutions
Westerra Credit Union has served Colorado communities since 1934, providing personalized financial solutions rooted in local expertise. As a member-owned institution, we prioritize community impact through responsible lending practices and financial education initiatives. Our services span mortgage lending, auto financing, and business banking, supported by digital tools for modern convenience. Recognized nationally for financial strength, we maintain a 5-star Bauer rating and appear on Newsweek's list of America's Best Regional Banks. With over $2.1 billion in assets and 115,000 members, our operations focus on local decision-making and reinvestment in Colorado's economy.We offer specialized programs like first-time homebuyer seminars with $500 closing cost credits and financial literacy resources for schools. Our commitment to safety and soundness includes strict mortgage underwriting standards and conservative investment practices that maintain low default rates. Federally insured by NCUA, we combine institutional stability with personalized service through 14 branch locations and 24/7 digital access.
Services
Mortgage Loans
Auto Financing
Credit Cards
Savings Accounts
Business Banking
Digital Banking
Financial Education
Loan Protection
Mobile Deposit
Insurance Services
Details
- Year established: 1934
Highlights and features
- Member-owned since 1934 with deep Colorado roots
- Local lending decisions and community-focused investments
- Free financial literacy education programs for schools
- Award-winning financial strength with 5-star Bauer rating
- Federally insured deposits up to $500,000 per member
Associations and certifications
- NCUA
- Bauer Financial 5-Star Rating
Services
Mortgage Loans
Westerra offers competitive mortgage rates for primary residences, investment properties, and construction projects. Our local loan officers provide personalized guidance through the entire process. Energy-efficient home financing options include special rate discounts.
Auto Financing
We provide new and used vehicle loans with flexible terms up to 72 months. Members can refinance existing auto loans to potentially save thousands in interest payments over the loan term.
Financial Education
Our free financial literacy programs include classroom instruction, online resources, and specialized seminars. The First Time Homebuyer Seminar offers practical guidance and $500 closing cost credits for attendees.
Digital Banking
Manage accounts 24/7 through our mobile app or online portal. Features include mobile check deposit, bill payment, card management, and real-time transaction alerts for enhanced security.
Business Banking
Local businesses access specialized checking accounts, commercial loans, and digital tools for managing payroll and cash flow. Our relationship-based approach supports Colorado companies at all growth stages.
Questions
How do I become a Westerra Credit Union member?
Membership requires living, working, or studying in Colorado. Open an account online or visit any Denver metro branch location.
What loan programs do you offer first-time homebuyers?
Our First Time Homebuyer Seminar provides $500 closing cost credits and education on the homebuying process from pre-approval to closing.
Are my deposits insured at Westerra?
Yes, all deposits are federally insured up to $250,000 by NCUA, with additional IRA coverage up to $250,000 per member.
Do you offer business banking services?
We provide business checking accounts, commercial loans, and digital banking tools designed for Colorado-based businesses of all sizes.
How does Westerra support local communities?
We invest in Colorado through local lending, donate to community organizations, and provide financial literacy education in schools.
What digital banking features are available?
Access mobile check deposit, bill pay, eStatements, card management, and 24/7 account monitoring through our mobile app or online portal.
