2024 Overview
General Credit Union Information
Westerra is an NCUA insured institution located in Denver, CO. It was founded in 1934 and has approximately $2173.85 millions in assets.
Who can join?
Everyone in the 5-county Denver metro area can join. One must stop by a branch to apply. Branch locations include, Arvada, Aurora, Centennial, Denver, Lakewood, Green Mountain, Littleton, and Parker.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 65788 |
| Date Established | 1934 |
| Assets | $2,173.85 million |
| Loans | $1,375.37 million |
| Deposits | $1,688.86 million |
| Capital | $202.37 million |
Field of Membership Restrictions
Membership in Westerra Credit Union is open to the following: (1) those who live or work in Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas or Jefferson Counties in Colorado; (2) those who live or work in City of Aurora, Colorado; (3) employees, students, retirees, and graduates in Denver Public Schools and Jeffco Public Schools; (4) employees of Safeway Corporation and other Select Employer Groups.
Deposit Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.05% | $100 | - |
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|
|
Money Market
|
0.25% | $1,000 | $9,999 |
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|
|
Money Market
|
0.50% | $10,000 | $24,999 |
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|
|
Money Market
|
1.00% | $25,000 | $49,999 |
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|
|
Money Market
|
3.00% | $50,000 | $99,999 |
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|
|
Money Market
|
6.00% | $100,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Mo CD
|
2.30% | $500 | - |
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|
| 5 Mo CD
|
5.00% | $500 | - |
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|
| 6 Mo CD
|
2.40% | $500 | - |
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|
| 12 Mo CD
|
2.50% | $500 | - |
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|
| 12 Mo CD
|
2.75% | $100,000 | - |
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|
| 13 Mo CD
|
4.75% | $500 | - |
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|
| 19 Month Special
|
4.25% | $500 | - |
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|
| 24 Mo CD
|
2.60% | $500 | - |
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|
| 24 Mo CD
|
2.85% | $100,000 | - |
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|
| 36 Mo CD
|
2.70% | $500 | - |
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|
| 48 Mo CD
|
2.80% | $500 | - |
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| 60 Mo CD
|
2.90% | $500 | - |
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|
| 60 Mo CD
|
3.15% | $100,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
0.05% | $0 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.15% | $50,000 | - | Learn More |
Loan Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Westerra
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
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|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.734% | 6.625% | 0.88 | $3,603 | $2,049 | Learn More |
NMLS ID: 401822 |
6.944% | 6.750% | 1.00 | $6,400 | $2,076 | Learn More |
NMLS ID: 3029 |
7.008% | 6.875% | 0.88 | $4,492 | $2,103 | Learn More |
NMLS ID: 3030 |
7.476% | 7.375% | 1.00 | $3,200 | $2,211 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
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More Info |
Note to Westerra
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Branches
Below are Westerra branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
WESTERRA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Westerra Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Westerra. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Westerra | U.S. Average |
|---|---|
| 5.74% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Westerra had $11,768,413 in non-current loans and $58,675 in owned assets. To cover these potential losses it had $202,368,400 in net worth and $3,614,204 in loans loss reserves. That gives it a Texas Ratio of 5.74%.
Net Worth
| Westerra | U.S. Average |
|---|---|
| 9.3% | 13.62% |
Westerra FCU has a net worth of 9.3% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Westerra
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