Credit union · NCUA insured
Westerra Credit Union Savings Rates
Westerra Credit Union’s best savings rate is 0.70% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Westerra Credit Union’s savings rates compare
Compared with banks and credit unions near Denver, CO, where Westerra Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Earns on $10,000 a year
- $600
SummerPay Saver
2nd-highest rate
Solera
4.34%APY
- Requires
- None
- Earns on $10,000 a year
- $434
3rd-highest rate
MidFirst Bank
4.00%APY
- Requires
- None
- Earns on $10,000 a year
- $400
Westerra Credit Union savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0000.60%
- $10,000 balance$10,0000.70%
- $100,000 balance$100,0001.00%
- QualifiedQualified6.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Westerra Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
SummerPay Saver
6.00%APY
Available exclusively to eligible educational professionals employed within the state of Colorado. Requires an active Westerra Smart Money Checking account to open and maintain. Funds automatically transfer to the primary savings account on June 1 annually.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Rate accurate as of 7-1-2026. Available exclusively to eligible educational professionals employed in Colorado with an active Smart Money Checking account. | 6.00% | $600 | Rate accurate as of 7-1-2026. Available exclusively to eligible educational professionals employed in Colorado with an active Smart Money Checking account. |
| Over $10,000Rate accurate as of 7-1-2026. Available exclusively to eligible educational professionals employed in Colorado with an active Smart Money Checking account. | 0.05% | — | Rate accurate as of 7-1-2026. Available exclusively to eligible educational professionals employed in Colorado with an active Smart Money Checking account. |
Sources (2)
All captured Oct 4, 2026
Money Market Select
Up to 2.50%APY
Membership eligibility required. IRA, Roth IRA, and Business accounts are not eligible for this product. No monthly maintenance fees or minimum opening balance required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Requires meeting account requirements: 10 combined debit/credit card purchase transactions that post and clear in the statement month on the same membership account. Waived in first statement cycle. | 2.00% | — | Requires meeting account requirements: 10 combined debit/credit card purchase transactions that post and clear in the statement month on the same membership account. Waived in first statement cycle. |
| Any balanceApplied to all balance tiers if account requirements are not met. | 0.05% | $5 | Applied to all balance tiers if account requirements are not met. |
| $1,000 – $10,000Requires meeting account requirements: 10 combined debit/credit card purchase transactions that post and clear in the statement month on the same membership account. Waived in first statement cycle. | 2.00% | — | Requires meeting account requirements: 10 combined debit/credit card purchase transactions that post and clear in the statement month on the same membership account. Waived in first statement cycle. |
| $10,000 – $25,000Requires meeting account requirements: 10 combined debit/credit card purchase transactions that post and clear in the statement month on the same membership account. Waived in first statement cycle. | 2.50% | $250 | Requires meeting account requirements: 10 combined debit/credit card purchase transactions that post and clear in the statement month on the same membership account. Waived in first statement cycle. |
| $25,000 – $50,000Requires meeting account requirements: 10 combined debit/credit card purchase transactions that post and clear in the statement month on the same membership account. Waived in first statement cycle. | 2.50% | — | Requires meeting account requirements: 10 combined debit/credit card purchase transactions that post and clear in the statement month on the same membership account. Waived in first statement cycle. |
| $50,000 – $100,000Requires meeting account requirements: 10 combined debit/credit card purchase transactions that post and clear in the statement month on the same membership account. Waived in first statement cycle. | 3.00% | — | Requires meeting account requirements: 10 combined debit/credit card purchase transactions that post and clear in the statement month on the same membership account. Waived in first statement cycle. |
| $100,000 – $250,000Requires meeting account requirements: 10 combined debit/credit card purchase transactions that post and clear in the statement month on the same membership account. Waived in first statement cycle. | 3.25% | — | Requires meeting account requirements: 10 combined debit/credit card purchase transactions that post and clear in the statement month on the same membership account. Waived in first statement cycle. |
| $250,000 and upRequires meeting account requirements: 10 combined debit/credit card purchase transactions that post and clear in the statement month on the same membership account. Waived in first statement cycle. | 3.25% | — | Requires meeting account requirements: 10 combined debit/credit card purchase transactions that post and clear in the statement month on the same membership account. Waived in first statement cycle. |
Sources (2)
All captured Oct 4, 2026
Money Market Account
0.70%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.60% | — |
| $1,000 – $10,000 | 0.60% | — |
| $10,000 – $25,000 | 0.70% | $70 |
| $25,000 – $50,000 | 0.80% | — |
| $50,000 – $100,000 | 0.90% | — |
| $100,000 – $250,000 | 1.00% | — |
| $250,000 and up | 1.00% | — |
Sources (1)
- westerracu.com/resources/rates · captured Oct 4, 2026
Special-purpose accounts
Holiday Club
0.05%APY
Automatic payroll deductions for holiday shopping. Funds automatically transferred to checking or savings on Oct. 31 annually (or mailed by check). Account remains open for future deposits after distribution.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
IRA Savings
0.05%APY
Zero annual administration fees. Includes Traditional and Roth IRAs. Subject to contribution, income, and rollover limitations.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Regular Savings
0.05%APY
Membership required. Opening deposit of $5 to become a member. No minimum amount required to earn dividends on minor accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 or more to earn stated APY/dividend rate. No minimum amount required to earn dividends on minor accounts.$100 and up | 0.05% | $5 | $100 or more to earn stated APY/dividend rate. No minimum amount required to earn dividends on minor accounts. |
Who can join Westerra Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.