Westerra Credit Union Denver CO | Cheap Mortgage Refinance & Auto Loans

Introduction

Welcome to Westerra, your trusted financial partner located at 3700 E Alameda Ave, Denver, CO 80209. Since our establishment in 1934, we have dedicated ourselves to serving our community and providing personalized banking solutions that meet the diverse needs of our 113,576 members. With total assets exceeding $2.12 billion, we are proud to be a cornerstone of financial support for individuals and businesses alike. At Westerra, we understand that every member's journey is unique. That's why we offer a range of services from checking and savings accounts to auto loans and mortgage refinancing. With over 28,000 loans facilitated, our commitment to helping you achieve your financial goals has never been stronger. Our experienced team, led by CEO Steve Schmidle and Board President Andy Raicevich, is here to guide you every step of the way. While members can visit us at our branch location, official correspondence should be sent to the same address: 3700 E Alameda Ave, Denver, CO 80209. We invite you to explore all that Westerra has to offer through our website at westerracu.com. Whether you're looking for competitive loan rates or expert financial advice, we're just a phone call away at 303-321-4209. Join us today and experience a credit union that truly cares about your financial well-being!

Branch History & Mission

Commitment to Accessibility

Westerra is proud to offer ADA-compliant facilities along with various customer-centric initiatives that enhance your banking experience. With an ATM available at our location and drive-thru services for quick transactions, we prioritize convenience alongside quality service. While members can visit us at 3700 E Alameda Ave, official correspondence should be sent to 3700 E Alameda Ave, Denver, CO 80209 if different. Feel free to reach out via phone at 303-321-4209 during our operating hours Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 12 PM.

Join Us Today!

We invite you to become part of the Westerra family! Experience firsthand how we blend a rich history with modern banking solutions tailored just for you. Together, let's build a brighter financial future for you and your community. Visit our website at Westerra or stop by today!

Our Mission

At the core of Westerra's mission is a strong commitment to empowering individuals and families through accessible financial services while fostering community support. We strive to make banking simple and effective for everyone. Our goal is not just about numbers; it's about building lasting relationships based on trust and integrity. By providing personalized service and innovative solutions like online and mobile banking options, we ensure that each member feels valued and supported. Our dedication extends beyond traditional banking. We actively engage in community outreach programs, partnering with local organizations to create positive impacts in Denver. Whether it's supporting local charities or hosting financial literacy workshops, we believe in giving back to the neighborhoods that support us.

Branch Location & Accessibility

Welcome to the Westerra Cherry Creek Branch, your friendly neighborhood credit union located at 3700 E Alameda Ave in beautiful Denver, Colorado. Nestled conveniently near popular landmarks, our branch is easy to reach whether you're coming from home or work. With ample parking available, you can enjoy a hassle-free visit without worrying about where to park. Our branch is designed with accessibility in mind, featuring ramps and ADA-compliant facilities to ensure everyone can comfortably access our services. When you step inside, you'll find a welcoming atmosphere ready to assist you with all your banking needs. We're here for you Monday through Friday from 9 AM to 6 PM, and on Saturdays from 9 AM to 12 PM. Whether you need assistance with personal banking, auto loans, or even business banking services, our knowledgeable staff is ready to help. If you're in a hurry, take advantage of our drive-thru service available during the same hours for quick deposits and withdrawals. Additionally, we offer ATM services for your convenience allowing you to access cash anytime. If you have questions or want more information about what we provide, don't hesitate to call us at 303-321-4209. While members can visit us at 3700 E Alameda Ave, official correspondence should be sent to the same address. We look forward to welcoming you into the Westerra family!

Member Eligibility

At Westerra, we believe that joining our community should feel welcoming and straightforward. To become a member, you simply need to meet a few eligibility criteria which include being part of the communities we serve or having a family member who is already a member. We're here to support individuals and families from all walks of life, making it easy for you to gain access to our range of financial services tailored just for you. For more specific details on eligibility, feel free to visit our website at . Once you're ready to join us at our branch located at 3700 E Alameda Ave Denver Co 80209, opening an account is simple! You can give us a call at (303) 321-4209 if you have any questions or would like assistance in starting the process. We look forward to welcoming you into our family at Westerra where your financial goals are our priority!

Business Banking & Commercial Services

Financing Solutions for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $152 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $436,432,670, we continue to drive economic growth by financing new and expanding businesses.

Streamlined Merchant Services

Managing transactions shouldn't slow you down. Our merchant services provide easy payment processing options that let you focus on what matters most running your business. Imagine your customers enjoying fast and secure payment methods while you gain insights into sales trends through our user-friendly tools. Visit us at 3700 E Alameda Ave Denver Co 80209 in Denver, CO, or give us a call at (303) 321-4209 to explore how we can partner with you for your business banking needs. Together, let's turn your ambitions into achievements!

Comprehensive List Of Services

Additional Services

Need to make a quick deposit or withdrawal? Our Basic Drive-Thru Banking allows for easy transactions without leaving your car. We also participate in shared branching, meaning members from partner credit unions can perform basic transactions like deposits and withdrawals right here at our branch. If you're ever in need of assistance or want to learn more about any of these services, don't hesitate to reach out! You can contact us at (303) 321-4209, and one of our friendly team members will be happy to assist you. At Westerra, we're not just about banking; we're about building relationships and supporting your financial health every step of the way. We invite you to visit us at our branch or explore more online at our website. Discover how we can help enhance your financial well-being today!

Business Banking Services

For small business owners, we understand that managing finances can be challenging. Our Business Banking solutions include Merchant Services & Business Loans tailored to support your entrepreneurial journey.

Credit Cards with Benefits

Reward yourself with our Credit Cards with Rewards! They not only help you manage your spending but also offer points on purchases that can be redeemed for exciting rewards.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features at Cherry Creek Branch. With our robust Online & Mobile Banking, you can access your accounts anytime, anywhere. Manage transactions, check balances, or even transfer money using our user-friendly mobile app. Plus, with ATM & Cash Withdrawal Services, getting cash when you need it is a breeze.

Personal Banking Solutions

Whether you're saving for a big purchase or managing day-to-day expenses, our Personal Banking options are designed just for you. With Checking & Savings Accounts, you can easily manage your funds while earning interest on savings. If you're considering buying a new car, our Auto Loans & Vehicle Financing provide competitive rates to help you hit the road without breaking the bank. For those looking to secure their dream home, we offer Mortgage Loans & Refinancing that make homeownership attainable.

Smart Borrowing Options

Life can throw unexpected expenses your way. That's why we have Personal Loans & Debt Consolidation solutions available to help you navigate through tough times. Our flexible terms and friendly guidance ensure that you make informed decisions about borrowing.

Digital & Online Banking

Accessibility and Security

With our mobile application, you have the power of banking right in your pocket. It's designed for ease of use so that anyone can navigate through their accounts effortlessly. While using these services, rest assured that security is a top concern for us; we implement robust measures to protect your personal information. Although we do not currently support electronic signature authorization, we strive to ensure that all transactions are secure and straightforward. In short, Westerra offers everything you need for effective online banking: real-time account management, convenient payment options, and easy access to important documents like e-statements. Experience the freedom of managing your finances anytime with us!

Key Features of Our Digital Banking Services

Our online banking platform is user-friendly and packed with features that help you stay in control of your finances. You can quickly check your account balances, review transactions, and pay bills all from the comfort of your home or on the go. Plus, our e-statements are available to keep your paperwork organized and reduce clutter. Need to send money to friends or family? Our person-to-person transfer feature makes it simple and secure. You can send cash directly from your account without any hassle. And if you're out shopping, don't forget about our mobile payments option, which lets you make purchases directly from your smartphone.

Financial Strength

A Strong Financial Backbone

With a net worth of $206,366,697, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $972 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Commitment to Growth

With $187,538,203 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $12,814 in used auto loans and $1,425,100,100 in total loans and leases.

Member-Centric Savings Options

Members' savings are secured through $507,699,675 in share certificates and $509,701,253 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $3,629,535, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our financial performance shines through with a net income of $0, reflecting our operational efficiency. This success enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 282 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Trust Built on Transparency

Net Shares available for lending and investments stand at $0, while our total share accounts reflect a strong and growing member base at 245,210. This growth reinforces the trust that our community places in us to manage their finances effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Westerra is your trusted partner. Visit us at 3700 E Alameda Ave Denver Co 80209 or call (303) 321-4209 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $216,428,186 in used vehicle loans and $36,375,558 in new vehicle loans already helping members get on the road. We provide competitive financing options whether you're purchasing a brand-new model or a reliable used vehicle.

Business Financing

For business owners, our outstanding commercial loans totaling $436,432,670 provide the capital needed to grow and expand. We understand the unique needs of businesses and are dedicated to supporting their success. Our branch is located at 3700 E Alameda Ave Denver Co 80209 in Denver, CO, and our friendly team is ready to assist you. You can reach us at (303) 321-4209 during our operating hours: Lobby-M-F 9am - 6pm and Drive-Up M-F 8am - 6pm; Sat 9am - 12pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're interested in refinancing or exploring eligibility options, don't hesitate to ask us for more information!

Credit Card Solutions

We also offer flexible terms on unsecured credit card loans, with a total of $28,881,152 in loans helping members manage their finances effectively. These cards provide convenience and rewards, making them ideal for everyday purchases.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $183,738,555, make buying or refinancing simple. Our team is here to guide you through the process, ensuring you find the right solution for your housing needs.

Loan Aggregator

Benefits of Using LendMesh

One of the standout features of LendMesh is its commitment to providing verified data. Loan offers are sourced from reputable financial institutions, ensuring transparency in what you see. Additionally, LendMesh does not utilize sponsored listings; lenders are not prioritized based on paid promotions, allowing you to receive truly unbiased results. Another key advantage is real-time rate comparisons. With up-to-date loan rates from multiple institutions available at your fingertips, you can quickly evaluate your options and choose the best fit for your needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this tool. Take charge of your borrowing experience today. Compare real-time loan offers at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that all offers presented are fair and transparent. Each financial institution featured in LendMesh's comparisons is verified, so you can trust that you're looking at legitimate options.

Westerra