Westerra Credit Union

Overview / Commentary
3700 E Alameda Ave
Denver, CO 80209

Westerra Credit Union is headquartered in Denver and is the 6th largest credit union in the state of Colorado. It is also the 215th largest credit union in the nation. It was established in 1934 and as of September of 2023, it had grown to 286 employees and 114,887 members at 9 locations. Westerra Credit Union's CD rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Westerra Credit Union is open to those who live or work in the Colorado counties of Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, or Jefferson.
See current membership details

Reviews (4)

Westerra Is AWESOME!!

Posted by: |

I have never had any problems with this bank. The tellers are extremely helpful and the loan officers are very knowledgeable. My 5 years of experience has been nothing but positive with Westerra.  I have been to multiple branches and they all have been GREAT! THIS IS THE BEST CREDIT UNION IN DENVER METRO AREA!!! Thanks Westerra for being AWESOME.

Avoid At All Costs

I am in the process of closing all of my accounts with Westerra after banking here for several years. There has been nothing but hassles and mistakes since I started. They have cashed checks from other accounts against my account. They have cancelled my debit card while in California for fraud on a $6 purchase at 7-11, never minding the airport concession purchases at both airports from earlier in the day. One time the entire debit system went down, leaving me stranded at a business lunch with a client. They offered no apologizes, nothing. Their online banking is ALWAYS down. They will not communicate with you. I've never received any sort of bulletin detailing the issues and the steps they will take to prevent them in the future. I WOULD NOT BANK HERE.

This Place Is A Joke

I have been with westerra for a year now,every time I need to cash my check they need to hold on to it and it always seems to be about 2 weeks.this last time the lady said i didn't have enough funds in my account to cash my check.i told her I would put some more cash in there then and she said that doesn't help right now ,so I said fine close my account and i will be on my way.good one westerra!!even the app won't let you take a photo of your check.

Very Poor Service

I have been with Westerra Credit union for over 5 years.  Over this time I have observed the following - their staff are the most poorly trained of any CU or bank where I have had business.  I always get the impression at several of thier banks that the tellers are constantly scrutinizing and checking out the customers.  They are often rude, always unprofessional, and seem to engage in personal behaviour which is a BIG putoff for me as a customer who walks in briefly to make a deposit.  Here are several examples : I walked in with a check and some loose pocket change and I was asked to step aside and count it out and hand it to the teller, while she was sitting comfortably in airconditioning.  Some of the female tellers like to stare down at customers and leave the impression that they are evaluating their prejudices of customers are they do bank business.  One teller took my check ( a hefty $ 800 + ) and deposited into another customers account.  I found out after I walked out of the branch and looked at the receipt.  There was no apology from the teller.  They are trained not to appear cheerful - many of them are sullen and behave like they just awoke.  Recently, I walked into to a cubicle to ask for a pen (none outside in the lobby) and I got a lingering hateful stare by the occupant.  This did it for me and I am planning to move my business elsewhere asap.


Health Grade Components

NCUA #65788
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.49%
Return on Equity - YTD7.11%
Annual Interest Income$79.5MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$2.15B$1.91B
LoansQ3 2023vs Q3 2022$1.39B$1.16B
DepositsQ3 2023vs Q3 2022$1.68B$1.74B
Equity CapitalQ3 2023vs Q3 2022$148.7MM$145.3MM
Loan Loss AllowanceQ3 2023vs Q3 2022$7.8MM$2.9MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$4.8MM$3.3MM
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Westerra Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Westerra Credit Union Savings Account Rates

0.05%$100-Regular Savings
0.05%--Holiday Club
0.05%--IRA Savings
0.05%$100-Business Savings Account

Westerra Credit Union Money Market Rates

4.00%$10k-Money Market Select
1.00%*$100k*-Money Market
OTHER TIERS: 0.60% Up to $10k | 0.70% $10k - $25k | 0.80% $25k - $50k | 0.90% $50k - $100k
0.90%*$100k*-Business Money Market
OTHER TIERS: 0.50% Up to $10k | 0.60% $10k - $25k | 0.70% $25k - $50k | 0.80% $50k - $100k

Westerra Credit Union Checking Account Rates

0.20%*$100k*-Business High Balance Checking
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $100k
0.15%*$50k*-Interest Checking
OTHER TIERS: 0.05% $2.5k - $25k | 0.10% $25k - $50k
0.15%*$100k*-Business Preferred Checking
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $100k

Westerra Credit Union CD Rates

5.25%$500-5 Month CD Special
4.75%$500-13 Month CD Special
4.25%$500-19 Month CD Special
3.15%$100k-60 Month Jumbo CD
2.90%$500-60 Month CD
2.85%$100k-24 Month Jumbo CD
2.80%$500-48 Month CD
2.75%$100k-12 Month Jumbo CD
2.70%$500-36 Month CD
2.60%$500-24 Month CD
2.57%$500-Business 24 Month CD
2.50%$500-12 Month CD
2.47%$500-Business 12 Month CD
0.70%$500-6 Month CD
0.70%$500-Business 6 Month CD
0.60%$500-3 Month CD

Westerra Credit Union IRA Rates

2.90%$500-60 Month IRA
2.80%$500-48 Month IRA
2.70%$500-36 Month IRA
2.60%$500-24 Month IRA
2.50%$500-12 Month IRA
0.70%$500-6 Month IRA
0.60%$500-3 Month IRA

Westerra Credit Union Locations
Branch Office3700 E Alameda AveDenver, CO 80209
Branch Office7270A W 88th AveArvada, CO 80003
Branch Office8906 W Bowles AveLittleton, CO 80123-8606
Branch Office7305 E 35th Ave Suite 170Denver, CO 80238
Branch Office375 Union BlvdLakewood, CO 80228
Branch Office20991 E Smoky Hill RdCentennial, CO 80015-5184
Branch Office4625 Trail Boss DrCastle Rock, CO 80104-2803
Branch Office7740 W Alameda Ave Unit ELakewood, CO 80226-3137
Branch Office4231 S Buckley RdAurora, CO 80013

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