Westerra Credit Union


3700 E Alameda Ave
Denver, CO 80209
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 5.55% →
1-Year CD 2.75% 5.38% →
2-Year CD 2.85% 4.95% →
5-Year CD 3.15% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Westerra is an NCUA insured institution located in Denver, CO. It was founded in 1934 and has approximately $2123.42 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 $2,123.42 million
Loans $1,374.32 million
Deposits $1,712.04 million
Capital $203.54 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 - July 21, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $100 - Learn More
Money Market
0.25% $1,000 $9,999 Learn More
Money Market
0.50% $10,000 $24,999 Learn More
Money Market
1.00% $25,000 $49,999 Learn More
Money Market
3.00% $50,000 $99,999 Learn More
Money Market
6.00% $100,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
2.30% $500 - Learn More
5 Mo CD
5.00% $500 - Learn More
6 Mo CD
2.40% $500 - Learn More
12 Mo CD
2.50% $500 - Learn More
12 Mo CD
2.75% $100,000 - Learn More
13 Mo CD
4.75% $500 - Learn More
19 Month Special
4.25% $500 - Learn More
24 Mo CD
2.60% $500 - Learn More
24 Mo CD
2.85% $100,000 - Learn More
36 Mo CD
2.70% $500 - Learn More
48 Mo CD
2.80% $500 - Learn More
60 Mo CD
2.90% $500 - Learn More
60 Mo CD
3.15% $100,000 - Learn More
Variable IRA Rates APY MIN MAX
0.05% $0 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.15% $50,000 - Learn MoreShow Less

Loan Rates - July 21, 2024

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.711% 6.625% 0.63 $2,850 $2,049 Learn More
New American Funding, LLC.
NMLS ID: 6606
6.831% 6.740% 0.88 $2,989 $2,074 Learn More
Rocket Mortgage
NMLS ID: 3030
7.076% 6.990% 0.88 $2,800 $2,127 Learn More
NMLS ID: Not a Lender
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.990 %
$0 Learn More
More Info

Note to Westerra
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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
3.96% 6.52

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 March 31, 2024, Westerra had $8,096,935 in non-current loans and $104,325 in owned assets. To cover these potential losses it had $203,539,194 in net worth and $3,614,204 in loans loss reserves. That gives it a Texas Ratio of 3.96%.

Net Worth
Westerra U.S. Average
9.57% 13.65%

Westerra FCU has a net worth of 9.57% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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