By Teachers, For Teachers
If You Can Inspire Young Minds, You Can Do Money!Teaching isn’t just about shaping futures—it’s about creating your own future, too. Join a community that’s dedicated to helping educators like you.
Here for your journey.
Westerra Smart Money Checking Benefits and Perks
No monthly maintenance fee
Early Paycheck: Get paid up to 2 days early with direct deposit
Apple Pay® / Google Pay™ / Samsung Pay™
Overdraft protection services and Courtesy Pay***
Mobile Deposit
Learn more about checking account and card services.
You teach. You inspire. You give your all.Now it's time your money does the same for you.
With Westerra’s Money Market Select, you can earn up to 4.00% APY** by using your debit card 10 times per month while keeping your savings flexible and accessible. No monthly fees. No minimum balance. Just smart, steady growth that rewards you for what you already do.
Here for your classroom too.
Teaching Materials
What’s included:
Budgeting and money management
Banking and financial services
Credit and debt education
Savings and investing strategies
Loan types and responsible borrowing
We've got you covered:
Aligned with Colorado’s new education standards
Easy to implement in any classroom setting
Free download for all educators
Let us teach for you:
Bring real-world money lessons straight to your classroom. Westerra Credit Union offers free in-person presentations for students from Kindergarten through high school.
Our team covers topics like:
Money basics and smart saving
Credit building and responsible borrowing
Fraud prevention and digital safety
Banking, budgeting, and more
Whether you're introducing financial concepts or reinforcing key life skills, our speakers make it easy and engaging.
Request Classroom Speaker
Ninety years ago, eight Denver Public School teachers came together with a vision to build something better.They created a credit union designed to support educators and strengthen their community through financial empowerment. That vision still guides us today. We believe in people over profit, and in making money something you can feel confident about.
Because when you’re backed by a community that believes in you, you can do money.
Smart Money Checking:
*Annual Percentage Yield (APY) is accurate as of 8/1/2025. The rate may change without notice after the account is opened. Fees may reduce earnings. $5 prime share deposit required for membership. A $5 opening deposit is required for a Smart Money Checking account. 6.00% APY applies to average daily balances up to and including $2,000. For average daily balances greater than $2,000, the APY may range from 0.05% to 3.00%. If requirements are not met, all balances will earn .01% APY. In order to get the higher rates, you must meet certain requirements each month. If you don’t meet the requirements, an APY of 0.01% APY applies to all balances. Limit one Smart Money Checking per membership. Membership eligibility required.The requirements needed to receive the dividend rate are (i) minimum average daily balance that corresponds to the desired rate, (ii) 16 combined debit/credit card purchase transactions that post and clear in the statement month (a) a statement month ends at 6pm MST on the last calendar day of the month, as (b), on the same membership account, (iii) a minimum of one (1) direct-deposit or Automatic Clearing House (ACH) of at least $500 per month, (iv) enrollment in online statements. ATM and cash advance transactions do not count toward the debit card transaction requirement. Requirements are waived the first statement cycle the new share is opened and will earn the dividend rate that corresponds to each minimum balance tier. IRA, Roth IRA, and Business accounts are not eligible for this product. Rates subject to change without notice. See Membership and Account Agreement for Nature of Dividends under our resource tab.
Money Market Select:
**APY= Annual Percentage Yield; APY accurate as of 8/01/2025; Rates are subject to change; Fees may reduce earnings. 4.00% APY applies to average daily balances over $100,000.00 balances below earn 3.00% APY if all requirements are met. The dividend rate paid is based on the minimum average daily balance to the corresponding tier in any statement month that the specific account requirements are met. If the requirements are not met, the dividend rate of .05% APY is applied for the statement month. The statement month ends at 6pm MST on the last calendar day of the month. The requirements needed to receive the dividend rate are (i) minimum average daily balance that corresponds to the desired rate, (ii) 10 combined debit/credit card purchase transactions that post and clear in the statement months (i), on the same membership account. ATM and cash advance transactions do not count toward the debit card transaction requirement. Requirements are waived the first statement cycle the new share is opened and will earn the higher dividend rate. IRA, Roth IRA, and Business accounts are not eligible for this product. Rates subject to change without notice. Membership eligibility required.
***Qualified members are automatically enrolled in Opt-IN for ACH and draft checks but are not automatically enrolled for onetime and recurring debit card transactions. Accounts must be brought positive within 30 days of going negative. Courtesy Pay Opt-In
