Covid Resource Center

COVID Warning COVID Warning

COVID-19 Updates. COVID-19 Updates.


Need help accessing accounts remotely?  Click here or call 303-321-4209.

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Meet by Virtual Appointment, Phone or In-Person at a Branch

Click here to schedule an appointment for a virtual or in-person meeting at a branch:
ArvadaAurora,  BelmarCastle Rock  Central ParkCherry CreekGreen MountainLittleton or Parker.

If you do not find an appointment available on the day you prefer, please check another branch, or contact us with your specific questions at 303-321-4209 or

Appointments are unavailable at the Centennial branch. Learn more.

COVID Warning COVID Warning

Safety is our highest priority

Facial coverings are required for all members and staff.

Our safety protocol includes appointments to limit the number of people in the branches, social distancing and sanitizing throughout the day. You may be asked to temporarily remove or lift your facial covering for identification purposes. Hand sanitizer is available. Restrooms are closed.


Drive-ups remain open

All drive-ups are open for Westerra and CO-OP Shared Branch transactions.

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To help you, your family and the small businesses in our community, we have been working to add more ways to give you peace of mind during these uncertain times:

Loan Assistance.

If you need help with your monthly loan payment, please reach out to discuss your specific situation at 303-321-4209. We have multiple options that can be tailored to your specific needs.

Most Fees Are Waived.

Most fees were waived for all members beginning in late March 2020, and we have continued to waive those fees. We anticipate waiving fees into the new year for overdrafts, credit card cash advances, Certificate of Deposit (CD) early withdrawals, Reg D withdrawal limits, cashier’s checks, teller checks, money orders, ATMs outside the CO-OP Network and fees when balances in Interest Checking drop lower than minimum. These fee waivers are already in place, and no action is required on your part. Late fees on loan payments will be reinstated beginning in January 2021.

Fees Eliminated.

To help members now and in the future—and to make it easier to do business with Westerra—some fees were permanently eliminated on May 1, 2020: fees for cashier’s checks, official checks, temporary checks, returned mail, express delivery, account research/reconciliation, printed copies/account histories, deposits of foreign items, third-party returned deposit items, ATM access card annual fees—and there is no longer a fee for notary service for our shared branch guests. Online Banking external transfers to/from other financial institutions are also now free—including next-day delivery.

Help with Your Mortgage.

If you expect COVID-19 to impact you for a while, you may want to consider an initial relief option of a forbearance, which is a temporary stoppage of your mortgage payments for three months. If you need additional assistance after that time, we will work with you to determine the best options to resume payments. During the months of a forbearance plan, late fees are waived and missed payments are not reported to credit bureaus. The easiest way to start the forbearance process is to go directly to or call our mortgage service department directly at 1-866-657-0139

Emergency Line of Credit or Unsecured Term Loan for Business Members.  

If you have a business account at Westerra and need short-term working capital or interest relief, we may be able to assist with a line of credit. If your business does not have collateral available for a loan, ask about an unsecured term loan based upon the cash flow of your business. This new loan is an excellent option for consolidating business debt and short-term financing. Ask about loan amounts from $500 to $50,000. Additional resources are available at

Get Cash or Make Deposits. 

To make it easier to access cash, the daily limit for ATM cash withdrawals has been increased to $1,010. You can also deposit cash and checks through our CO-OP Network ATMs and in our branch Night Drop Boxes. Download the Westerra Mobile Banking App and you can deposit checks by taking a picture with your phone!

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The most vital thing we can all do to combat the virus is stay home. If you must go to a branch, click here for the latest information. Appointments are available virtually, by phone or in person at a branch. All drive-ups are open. The vast majority of our team is working from home to make things happen behind the scenes, to answer your calls and emails, and to meet with you virtually. You can also access your accounts through our Mobile AppOnline BankingAutomated Telephone Banking and 1000 free CO-OP ATMs. If you need help using any of these services, please call us at 303-321-4209 or email us at

It is important to us to help our members who find themselves in financial hardship from the impacts of this crisis. Please let us know how we can help you.  Contact us at 303-321-4209 or to discuss your specific situation.

Partnering Partnering

With the safety of our members and staff the highest priority, branch lobbies are currently available by appointment only. All drive-ups are open. There are also many other convenient ways you can access your accounts:

Click here to schedule an appointment. If you do not find an appointment available on the day you prefer, please check another branch, or contact us with your specific questions at 303-321-4209 or

Download the free Westerra Mobile app in the App Store (Apple) or Google Play (Android) – You can view account balances and history, transfer funds, make payments, pay bills and deposit checks from your smartphone.

Online banking is free and available 24 hours a day, seven days a week. Verify deposits and withdrawals, view account activity, print eStatements, transfer funds between your Westerra Credit Union accounts, make Westerra Credit Union loan payments, view and print cleared checks from your account, check balances, pay bills and more. Click here to enroll in Online Banking. The system will guide you through the process to sign up. If you need assistance, please contact us at 303-321-4209 or email us at

Call 303-320-7774 to check balances, transfer funds between your accounts and much more. The automated system walks you through the process, making it easy.  

Access your account at any CO-OP Network ATM. You can even make deposits at many ATMs. All fees are now waived for ATMs outside the CO-OP Network. Be aware that the ATM owner may still charge a fee.

Typically you can access your account at any credit union that is a member of the CO-OP Shared Branch Network.  Currently, some credit unions are limiting access to their members only.

Talk to a Westerra representative M-F 8am-6pm & SAT 8am-1pm at 303-321-4209. Please be aware that our hold times may be slightly longer due to the increased volume.

Email us at

For our Business Banking Members:

Business Banking

Enroll in Online Business Banking.

Business Banking App

Download the app in the App Store (Apple) or Google Play (Android).   

More Ways to Deposit Checks:

       - Mobile Banking
       - CO-OP Network ATMs
       - Night Deposit Drops in Branches
       - Drive-Up Branch Services
       - CO-OP Shared Branches

With today’s historically low rates, you may be able to lower your monthly mortgage payment to free up money when you need it the most.  You can also buy or sell a car from home through our Auto Resource Center.

Westerra is dedicated to serving you safely. Please let us know how we can help
Contact us at 303-321-4209 or
Thank you for your continued support and confidence.

Partnering Partnering

Contributions to School District Foundations and Other Non-Profits.

Eight Denver teachers started our credit union in the midst of the Great Depression. They pooled their funds and made loans to each other to strengthen families and our community during that crisis. Today we carry that mission forward to help families and communities through the financial hardship of this COVID-19 crisis. We have made donations to the Foundations for Denver Public Schools, Douglas County Schools, Jeffco Schools, Mapleton Public Schools and Cherry Creek Schools, as well as area food banks and other non-profits in our community.

School Grants Awarded.

Westerra has awarded 98 grants for the 2020-2021 school year for extremely valuable and worthwhile causes. We are honored to support our schools in helping students work toward academic and personal success. Click here to see the schools that received grants and how they will use them.

Support for Small Locally Owned Businesses.

If you follow Westerra on social media, you likely saw our Yes Denver, We’re Open campaign, which helped bring awareness—and business—to the small locally owned businesses that had remained open to serve our community. Westerra put its own marketing dollars behind boosting the Facebook posts in the targeted areas where the businesses are located. Watch for Phase Two coming soon to help support education and non-profits that are making a difference in our community.

Westerra is dedicated to serving you safely.
Please let us know how we can help.
Contact us at 303-321-4209 or
Thank you for your continued support and confidence.