How can we help you?
Disclosures & Agreements
Go here to read Westerra Credit Union Business Account Agreements, Disclosures and Information Guide.
Go here for the Business Banking Fee Schedule.
Go here for the Business Bill Pay Disclosure, Terms and Conditions.
Go here for the Business Forgot Password Disclosure.
Go here for Business Online Banking Terms and Conditions.
Go here for the Business Online Stop Pay Disclosure.
Go here for the Courtesy Pay Disclosure
Electronic Disclosure and Consent →
By agreeing to these terms you agree to receive your statement and other disclosures, which are required to be provided to you by law, electronically. You agree that you have received and accept the “Account Agreements, Disclosures and Information Guide,” the current “Service Charge and Fee Schedule” and the current rates as published on the WesterraCU.com website, and/or you have printed these disclosures as described below under “Printing” and wish to continue with the account opening process. The following terms and conditions apply to our delivery and your receipt of these Disclosures online. that would otherwise be sent to you in paper form via U.S. Postal Service.
In making this election, you retain the right to notify Westerra Credit Union of your decision to rescind this election and to begin receiving statements, disclosures and notices in paper form. If you choose to rescind this election, you agree to provide us notification no less than five (5) business days prior to the date that the periodic statement would normally be made available to you. Further, you agree that you will provide this notification by email to Email@WesterraCU.com or by calling the Credit Union at 303-321-4209 or 1-800-858-7212. Withdrawal of this consent may result in a change of terms to your spending/checking account with the Credit Union. Please contact the Credit Union at the above telephone number to identify how this electronic statement election may affect your account and to determine any associated fees that may occur. There is no fee for requesting paper documentation.
If, during the period of time that you have elected to receive statements electronically, and you wish to receive a paper copy of any individual statement, you may do so by contacting the Credit Union at the email address or telephone number noted above.
Hardware and Software Requirements and Method of Obtaining Electronic Statements, Disclosure and Notifications.
Electronic statements to Westerra Credit Union accounts will be accessed through Westerra Credit Union's Digital Banking platform. If you wish to receive electronic statements, disclosures and notices you must have Internet access with a compatible browser and an email address that will be used to notify you when your electronic statements and/or notices are available.
Recommended Browsers:
Google Chrome
Firefox
Edge
Always keep your browsers up to date.
The electronic statements, disclosures and notices will be available at www.WesterraCU.com for no less than 90 days. To retain a copy for your purposes, you should print this information using the print command in either of the browser software packages named above.
Identity Verification
Westerra Credit Union offers mobile access to authenticate a user over SMS. The mobile phone number's verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Message & Data rates may apply. Users will be allowed to opt out of this program at any time.
Questions: You can contact us by phone at 303-321-4209, by email at Email@WesterraCU.com, or by sending a secure message through Digital Banking.
Our participating carriers include (but are not limited to) AT&T, T-Mobile®, U.S. Cellular®, Verizon Wireless.
Printing Go here to download or print these disclosures. All disclosures and future revisions will be available to be printed by you.
Once you have reviewed the disclosure you can return to the account opening page, select the checkbox as noted above and resume the online account opening process.
On the basis of race, color, national origin, religion, sex, marital status, or age
Because income is from public assistance, or
Because a right was exercised under the Consumer Credit Protection Act.
IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:
National Credit Union AdministrationOffice of Examination and Insurance1775 Duke StreetAlexandria, VA 22314-3428
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s website. HMDA data for many other financial institutions are also available at this website.
Go here to read the Westerra Credit Union Account Agreement, Disclosures and Information Guide.
Go here for the Westerra Credit Union's Privacy Policy.
Refer-a-Friend Terms and Conditions
Westerra Credit Union (“we”, “Westerra Credit Union” or “Company”) is offering members the opportunity to refer friends to join Westerra Credit Union via a Referral Program (“Program”) offered on the web site located at https://www.westerracu.com (the “Site”).
Binding Agreement. By using the Site or participating in the Program, you are bound by these Terms and Conditions (“Terms”) and indicate your agreement to them.
How the Program Works. Those who wish to participate in the Program (“Users”) must visit the Site and follow the on-screen instructions to refer friends, family members, or colleagues. Once an individual makes a referral, he/she becomes a “Referrer” and will be provided with a unique referral link (“Personal Link”) that allows them to receive the benefit or bonus advertised on the Site. Referred friends (“Friend” or “Friends”) must complete the referral as described in the referral message and establish their new membership using the same exact email that was used when referred by Referrer.
Program Eligibility Requirements. Employees are able to participate. In order to complete a qualified referral (“Qualified Referral”): Referrers must (i) be legal residents of the United States of America, (ii) be at least 18 years old and (iii) have an existing Westerra Credit Union account in good standing. Friends must (i) be legal residents of the United States of America, (ii) be at least 18 years old, (iii) not already a Westerra Credit Union member, (iv) qualify for Westerra Credit Union membership and (v) open a Prime Share Savings account with a minimum required deposit of $5 and a new Smart Money Checking or Money Market Select and maintain a minimum required deposit of $5 for thirty (30) days from account opening.
Restrictions. Referrers cannot refer themselves or create multiple, fictitious or fake accounts with the Company or participate in the Program as “Friends”. No user may use the Program to violate any law, infringe or violate the rights of any third party, or otherwise act in a manner that is deemed harassing, harmful, illegal, hateful, obscene or outside the spirit and intent of the Program as determined in the sole discretion of Company. In addition, users may not (i) tamper with the Program, (ii) act in an unfair or disruptive manner, or (iii) use any system, bot, or other device or artifice to participate or receive any benefit in the Program.
Rewards. By making a Qualified Referral, the Referring Member will receive a $25 bonus in the form of a gift card, and their Friend will also receive a $25 bonus in the form of a gift card. Bonuses are subject to verification and are reportable for tax purposes. The Company may also refuse to verify and process any transaction for any reason. Rewards shall be redeemable in the form of electronic Visa® or Amazon.com gift cards. Reward redemption emails will be sent within five (5) business days of meeting offer requirements. Westerra, in its sole discretion, (i) may delay a reward for the purposes of investigation and (ii) may also refuse to verify and process any transaction for any reason.
Bulk Distribution (“Spam”). Each Referrer is the actual sender of the emails and must comply with applicable law. Referrals must be created and distributed in a personal manner that is appropriate and customary for communications with friends, colleagues, and family members. Bulk email distribution, distribution to strangers, or any other use of the services described herein in a manner that is not promoted is expressly prohibited and may be grounds for immediate termination of Referrer’s eligibility to participate in the Program.
Right to Interpret, Cancel, Modify or Terminate. We interpret these Terms and Conditions and all decisions we make regarding the Program are final and binding. We reserve the right to cancel, modify or terminate the Program at any time for any reason. We reserve the right to disqualify any User at any time from participation in the Program if he/she does not comply with any of these Terms.
Governing Law, Venue, Attorney’s Fees: This Program is void wherever prohibited or restricted by law. These Terms shall be governed and construed in accordance with the laws of the State of Colorado. Any disputes regarding these Terms shall be within the exclusive jurisdiction of the courts of Denver County, Colorado, except as otherwise prohibited by applicable law. If legal action is necessary to enforce these Terms, the prevailing party has the right, subject to applicable law, to payment by the other party of all attorney's fees and costs, including fees on any appeal and any post-judgment collection actions.
Effective May 1, 2025
Secure Online Transactions OTP code terms and conditions for online transactions using your debit and credit card
Please read these terms and conditions in their entirety to ensure that you fully understand prior to using this service. By using this service, you are agreeing to the terms and conditions listed below.
1. When making an online transaction that requires OTP, an OTP will be sent to the phone number or email registered in Westerra Credit Union system. You must then enter this OTP to complete your transaction on your device’s screen when transacting online. Registration for OTP service is not required. If you are not able to enter the OTP, or authentication via this service fails, the merchant online will reject your card for this transaction. You agree that Westerra Credit Union is not responsible for the rejection by such merchant to accept your card payments on this basis.
2. By using this OTP service:
a. You agree to provide your data required for the transaction authorization process in the use of this OTP service.
b. You agree to keep the confidentiality of your card number and personal information that you have entered for this service. If you give someone else your passcode, you will be responsible for all claims, losses and other consequences related to all transactions taking place using this service.
c. You understand that the OTP service can be used only for transactions at the online merchants that are enrolled in EMV 3DS.
d. You agree that the credit union is not liable for losses arising from your failure to comply with these terms and conditions.
e. You understand that messages and data rates may apply for using this service.
Go here for the Westerra Credit Union's Service Charge and Fee Schedule.
Effective Date: 02/03/2025
Program Name: WesterraCU
Opt-In to receive important messages from Westerra Credit Union regarding alerts, promotions, events, renewals and general information about our products and services. Opt-in by texting ALERTS to 937828, or online at https://cloud.email.westerracu.com/SMS-Opt-In! Message frequency varies.Message and data rates may apply.
By opting in to this service, you consent to receive mobile text alerts using an automatic telephone dialing system. Consent to receive marketing text messages is not required as a condition of purchasing any goods or services.
By signing up, you are confirming you are over the age of 13.
STOP Information
Text STOP to 937828 to stop receiving WesterraCU messages from Westerra Credit Union (you will receive a confirmation text).
HELP Information
For additional information, text HELP to 937828 or contact 1 800-858-7212.
Supported carriers are:
AT&T, Sprint, T-Mobile®, Verizon Wireless, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile, Google Voice, ACS Wireless, Advantage Cellular (DTC Wireless), Appalachian Wireless, Atlantic Tele-Network International (ATN), Bandwidth, Bluegrass Cellular, Buffalo Wireless, CableVision, Carolina West Wireless, Cellcom, Copper Valley, C-Spire Wireless (formerly Cellsouth), Cellular One of East Central Illinois, Chariton Valley Cellular, Cross (dba Sprocket), Duet IP, Element Mobile, EpicTouch, GCI Communications, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri Cellular), i Wireless (IOWA Wireless), Illinois Valley Cellular, Immix (Keystone Wireless / PC Management), Inland Cellular, Mobi PCS (Coral Wireless LLC), Mosaic, MTA Communications, MTPCS / Cellular One (Cellone Nation), Nex-Tech Wireless, Panhandle Telecommunications, Peoples Wireless, Pine Belt Wireless, Pine Cellular, Pioneer, Plateau, Revol Wireless, RINA, SI Wireless/Mobile Nation, SouthernLinc, SRT Wireless, Thumb Cellular, Union Wireless, United, Viaero Wireless, West Central Wireless, Leaco, Nemont/Sagebrush. T-Mobile is not liable for delayed or undelivered messages.
We take your privacy seriously. Please visit https://www.westerracu.com/privacy-policy to review our privacy policy.
Monthly Statement
Credit Card Statement
HELOC Statement
