Join Westerra and get $100. Nov 13 – Dec 31, 2024
’Tis the season to get $100 when you open a new Smart Money Checking or Money Market Select account.
How ‘bout a holly jolly 100 bucks?
Your bonus will hit on January 2, 2025.
Smaller balances, rejoice!
Earn up to 6% APY* (that’s up to $120 a year!) with a Smart Money Checking account.
You’re already saving and spending
Why not earn up to 4% APY* on your average daily balance of $100,000 or more with a money market select account?
Smart Money Checking
Best for
Making small balances earn big returns and heavy monthly use.
Features
This is a reverse tier account, which means you’ll earn bigger returns on smaller balances, and smaller returns on bigger balances.
Earn up to 6.00% APY* on your first $2000 each month. That’s up to $120 a year. Then your next chunk of cash will make you 3.00% APY* and so on. See all APY rate tiers.
No minimum balance requirement
No monthly maintenance fee
Earn Debit card rewards: 1 point for every $3 spent when you sign for purchases
Early paycheck
Courtesy Pay up to $500***
Even if you don't meet all the monthly requirements (they're listed below) to get up to 6.00% APY, you're guaranteed to earn .01% interest.
What’s the catch?
Make at least 16 debit/credit transactions every month to get the best APY
Set up a minimum of one $500 recurring direct deposit or ACH payments per month to get the best APY
Enroll in e-statements
Money Market Select
Learn how money can make money: get higher rates on your savings, all while still keeping your funds easily accessible.
Features
Annual Percentage Yield (APY) 0.05% - 4.00%. See Rate sheet to learn more
Access to funds anytime
Flexibility to transfer funds between multiple shares at the same institution
Unlike savings shares, money market shares offer check-writing privileges, much like a regular checking
No monthly maintenance fees
$0 minimum deposit monthly requirement
$0 minimum balance monthly requirement
What's the Catch?
The more you save, the higher APY* you’ll receive. See rate sheet for details.
Just 10 swipes per statement on your Westerra consumer debit or credit card
What even is a credit union?
Though we are a lot like a bank, there are several ways we differ. One, there are no stockholders. That means everyone who has an account with us is a member and an owner. And two, all your deposits and funds stay local and contribute to the Colorado economy, while being Federally Insured by NCUA.
It's not banking, it's belonging
When you join Westerra, you're not just getting financial services — but an entire local community that comes with it. Together, we're all invested in one another's success, because when one wins, we all win. That's how it should be.
The Westerra humble-brag
Why us? Westerra's community is built on meaningful personal relationships, not just transactions (though those are easy and convenient, too!). We're here for you with real support for your goals, your money and your financial education. And others are taking notice! In 2024, we were selected for Newsweek’s “America’s Best Regional Banks and Credit Unions” – one of only five Colorado-based financial institutions (and only one of 3 credit unions) selected for this prestigious list. That's the Westerra way.
$100 Bonus for New Membership Promotion:
Applicants must meet membership eligibility requirements and be new members of Westerra with no existing accounts. A $5 prime share deposit is required for membership. A $25 opening deposit is required for a Smart Money Checking or Money Market Select account. Limit one bonus per membership account. To receive the bonus: 1) Open a new Westerra Prime Share savings and either a Smart Money Checking or Money Market Select account online or in-branch between November 13, 2024, and December 31, 2024. 2) Enroll in Digital Banking at the time of account opening. After you have completed all the above requirements, we will deposit the bonus into your new Prime Share account by January 2, 2025. Business accounts do not qualify. To qualify for this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. The bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). Offer availability is subject to change. This offer is not available to those whose Westerra accounts have been closed within the last 90 days or closed with a negative balance within the past three years. We reserve the right to end the promotion at any time. Visit WesterraCU.com to learn more and for applicable rates. Membership eligibility is required. Federally insured by NCUA.
Money Market Select
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.
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*APY= Annual Percentage Yield; APY accurate as of 12/01/2024; fees may reduce earnings.
Smart Money Checking
*Annual Percentage Yield (APY) is accurate as of 5/1/2024. The interest rate and APY may change without notice after the account is opened. Fees may reduce earnings on the account. $5 prime share deposit required for membership. A $25 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 Share per account. Membership eligibility required. Federally Insured by NCUA.
Points not earned for cash back, ATMs or PIN based transactions.
**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.
*** 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
