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Westerra Credit Union

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Westerra Credit Union Rates & Review September 2026

Q: How many branches does Westerra Credit Union operate?

Westerra Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Westerra Credit Union?

Yes, to access services at Westerra Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Westerra Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Westerra Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 10, 2026

Westerra Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Westerra Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.78%. Rates last updated and verified on 09/10/2026.

Westerra Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Westerra Credit Union? Share your experience about Westerra Credit Union by leaving a review below, or read customer reviews before you decide to use Westerra Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.78%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Westerra Credit Union
CHERRY CREEK BRANCH

3700 E Alameda Ave
Denver, CO 80209

https://westerracu.com

Westerra Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Jumbo 7/6M SOFR ARM - Purchase	6.00%	-0.13	6.20%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Jumbo 15-Year Fixed - Purchase	6.38%	0	6.41%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
15-Year Fixed - Purchase	6.38%	0.25	6.45%	15-Year Fixed
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Jumbo 30-Year Fixed - Purchase	6.63%	0.38	6.65%
Details As low as Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
30-Year Fixed - Purchase	6.88%	0.13	6.92%	30-Year Fixed
Details As low as 6.922% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
30-Year Fixed VA - Purchase	6.75%	0.38	6.96%	30-Year Fixed VA
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
7/6M SOFR ARM - Purchase	7.50%	1.25	8.13%	7/6M SOFR ARM
Details As low as 7.497% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

Westerra Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity HELOC Select	-	-	4.99%	12 months
Details As low as 4.99% APR 12-month Fixed Rate promotion is available to qualified borrowers who open a new HELOC Select and advance at least $10,000 from the available line of credit at the time the Fixed Rate Segment is opened. This promotional fixed rate applies for 12 months in a fixed-rate, interest-only segment. Effective May 1, 2026, eligibility for the promotional rate requires automatic payment from a Westerra checking account. Members must request creation of the Fixed Rate Segment within 45 days of loan origination. Westerra will assist with creating the fixed segment in-branch, by phone, or online. Conditions and restrictions apply, including but not limited to CLTV, debt-to-income ratio, and credit score requirements. Property must be insured, owner-occupied (primary or secondary residence), and located in Colorado. Offer valid on new HELOC Select lines only. Promotion ends September 30, 2026. Promotion subject to change or extension at Westerra's discretion. HELOC closing costs may include title and appraisal fees based on the amount requested and CLTV. Membership eligibility required. New prime share accounts are subject to a $5 membership setup fee and a $5 minimum deposit. All loans subject to approval. Other loan closing costs may range from $175 to $275 . Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Home Equity Select Line of Credit	-	-	7.24%	Up to 240 Months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Fixed Rate Home Equity Loans	-	-	7.74%	Up to 60 Months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

Westerra Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	5.74%	0-60 Months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Auto Loans	-	-	5.74%
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Auto Loans	-	-	5.79%	61-72 Months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Auto Loans	-	-	5.84%	73-84 Months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

Westerra Credit Union Credit Card Rates

Product	Rate	APR
Visa Select Balance Transfer	-	11.40%
Details Intro APR: 1.9%; Intro rate expires: 12 months; Regular APR: 11.40%-21.00% variable APR+ Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Visa Select Card	-	11.40%
Details APR range: 11.40%-21.00% variable APR+ Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Visa Balance Transfer	-	12.40%
Details Intro APR: 2.99%; Regular APR: 12.40%-21.00% variable APR+ \| Rate stated as: 2.99% intro rate for first 12 months, then 12.40%-21.00% variable APR+ Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Visa Card	-	12.40%
Details APR range: 12.40%-21.00% variable APR+ Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Visa Signature Balance Transfer	-	13.40%
Details Intro APR: 3.9%; Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable APR+ Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Visa Signature Card	-	13.40%
Details APR range: 13.40%-21.00% variable APR+ Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Visa Signature® rewards credit card	-	13.40%
Details Intro rate expires: 12 months; Regular APR: 13.40%-21.00% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Visa Rewards Balance Transfer	-	14.40%
Details Intro APR: 4.99%; Regular APR: 14.40%-21.00% variable APR+ \| Rate stated as: 4.99% intro rate for first 12 months, then 114.40%-21.00% variable APR+ Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Visa Rewards Card	-	14.40%
Details APR range: 14.40%-21.00% variable APR+ Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

Westerra Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.99%
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Unsecured Loan	10.24%
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Personal Line (Overdraft Protection) Loan	12.95%
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Visa Signature Balance Transfer	13.40%
Details Intro APR: 3.9%; Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable APR+ Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Visa Signature Card	13.40%
Details APR range: 13.40%-21.00% variable APR+ Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Visa Signature® rewards credit card	13.40%
Details Intro rate expires: 12 months; Regular APR: 13.40%-21.00% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Westerra Credit Union’s Texas Ratio rose from 2.06% in Q2 2023 to 10.78% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$2.0B	10.78%	5.0	A
December 31, 2025	$2.1B	10.90%	5.0	A
September 30, 2025	$2.1B	3.44%	5.0	A+
June 30, 2025	$2.1B	3.06%	5.0	A+
March 31, 2025	$2.1B	2.39%	5.0	A+
December 31, 2024	$2.1B	2.85%	5.0	A+
September 30, 2024	$2.1B	2.90%	5.0	A+
June 30, 2024	$2.1B	2.55%	5.0	A+
March 31, 2024	$2.1B	1.97%	5.0	A+
December 31, 2023	$2.2B	2.48%	5.0	A+
September 30, 2023	$2.2B	2.29%	5.0	A+
June 30, 2023	$2.2B	2.06%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Westerra Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Westerra Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Westerra Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Westerra Credit Union

Website https://westerracu.com

Address 3700 E Alameda Ave, Denver, CO 80209

Phone 303-321-4209

Fax 866-208-1598

President Andy Raicevich

CEO Todd Marksberry

Full-Time Employees 300

Part-Time Employees 7

Branch Locations 9

ATM Locations 9

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.78%

Return on Assets (ROA)

0.1044%

Return on Equity (ROE)

1.0201%

Non-Performing Loans Ratio (NPL)

1.71%

Total Assets

2,047,123,444

Total Amount of Shares and Deposits

1,699,413,192

Total Shares and Deposits < 1 Year

1,625,268,161

Total Shares and Deposits 1 3 Years

64,209,164

Total Shares and Deposits > 3 Years

9,935,866

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

169,446,968

Total Uninsured Shares and Deposits > $250K (F+J)

169,446,968

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,529,966,224

Total Interest Expense (Sum of items 6 8)

11,777,387

Share Certificates

10,932

Number of Accounts for Share Drafts

66,739

IRA KEOGH Accounts

3,048

Number of Accounts for Regular Shares

118,567

Money Market Shares

22,060

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

63,647,329

Total Liabilities

1,852,191,264

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Westerra Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Westerra Credit Union

How many branches does Westerra Credit Union operate?

Westerra Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Westerra Credit Union?

Yes, to access services at Westerra Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Westerra Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Westerra Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Westerra Credit Union offer online and mobile banking?

Most modern institutions like Westerra Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://westerracu.com.