www.wes te r racu . com

ONE MEMBER’S STORYMy PassionI work with homeless, single women and families in a local transitional housing program.

My StoryI switched to Westerra when we moved from out of state to Colorado. I was tired of endless bank fees and poor service from our “big” bank, and Westerra was such a refreshing change! Not only did we lose all the fees, but we were welcomed by friendly staff and had more options and services than we had before.

What I Value Most About WesterraI love that I can keep my money in a local business, feel valued by the employees, and pursue our financial dreams with little complications. I tell all my friends about Westerra!

~ Heather

O C T O B E R 2 0 1 5

The Westerra WayTop 5-Star Rating for Financial StrengthWesterra sets high standards for excellence, personal responsibility and integrity in daily operations and financial performance.

Westerra has earned the top 5-Star rating for safety and soundness every quarter consecutively since 1992 by Bauer Financial, Inc., an industry expert that reports and analyzes the performance of U.S. and Colorado banks and credit unions. Westerra is among the top 10% of credit unions nationwide to be recognized with the “Sustained Superiority Award” for capital adequacy, profitability and asset quality. For more information, visit Bauer Financial, Inc. at bauerfinancial.com.

Mark Your Calendar for the Annual MeetingThe Credit Union’s Annual Meeting will be held Thursday, March 3, 2016 at 2 p.m. The Nominating Committee is now accepting applications for the two (2) vacancies on the Board of Directors and the two (2) vacancies on the appointed Supervisory/Audit Committee.

Members of the Nominating Committee are: Bill Abbey, Chairman, Larry Ottele and Andy Raicevich. Interested members should contact Betsy Guerrero, Executive Vice President, at 303-321-2514 or bguerrero@westerracu.com, for an application. Applications must be filed by 12 noon, Friday, October 16, 2015 to the attention of the Nominating Committee at 3700 E. Alameda Ave., Denver, CO 80209.

MARCH

03

Earn More for Your Money at WesterraWesterra makes it easy to invest in Certificates of Deposit (CD) and Money Market accounts with options that provide both rate and term flexibility. Plus, you’ll have peace of mind knowing that your deposits are federally insured up to $250,000 by the NCUA, an agency of the federal government. Choose the options that work best for you.

The Five Year Flexible CD SpecialTake advantage of changing market rates! Move funds any time to a shorter term CD (12-month or longer) once without penalty or fees! Minimum balance is $5,000.*

60-MONTH CD 1.35% APY

Jumbo CDsIf you are looking for a Jumbo CD, look to Westerra for 12, 24 or 60 month terms! Minimum balance is $100,000.

12-MONTH CD .45% APY 24-MONTH CD .70% APY 60-MONTH CD 1.55% APY

New Preferred Money Market Account TierCheck out our new tier for Preferred Money Market Accounts of $250,000 and up! Earn a higher interest rate without locking in a term. Increase your rate by .05% when you also have a Preferred Checking account with Westerra! Other tiers include: $10,000 - $24,999, $25,000 - $49,999, $50,000 - $99,999, $100,000 - $249,999.**

$250,000 and Up .35% APY

Bump Up When Rates Go Up CD SpecialIf you have money elsewhere, bring it to Westerra and take advantage of our Bump Up When Rates Go Up CD Specials. You can bump up one time to a higher rate CD any time during the term of your CD, and make an additional deposit, too! Minimum balance is $10,000.***

25-MONTH CD 1.10% APY 41-MONTH CD 1.20% APY

To open your Westerra certificates of deposit or money market accounts call 303-321-4209 or visit any Westerra branch.

Limited time offers. APY = Annual Percentage Yield. Rates are effective as of 09/01/2015 and are subject to change without notice. Interest is computed daily and paid monthly. Penalties apply for early withdrawal. CD Specials and Jumbo CDs are not available for IRA CDs. *5-Year Flexible CD Special. No penalties, fees or loss of interest to transfer funds one time to a different Westerra Certificate of Deposit (minimum 12-month term) at any time prior to maturity, excluding CD Specials. Upon maturity, certificates may be renewed automatically for the same term and at the then current 5-year regular CD rate. **Preferred Money Market Account. Six transactions (transfers, withdrawals or checks per month.) No dividends will be earned for those days your average daily balance falls below the minimum. ***Bump Up, Add On CD Special. To open and receive the CD Special rate, a new deposit must be made with funds held outside Westerra Credit Union. An additional deposit may be made one time during the term of the certificate. During your CD term, you may bump-up your Annual Percentage Rate one time to match a higher rate you find advertised on a regular 24-month CD for the 25-month CD Special or on a regular 36-month CD for the 41-month CD Special at any of these banks in Denver: Bank of the West, BBVA Compass, Chase, First Bank, Key Bank, TCF Bank, US Bank or Wells Fargo. Upon maturity, the 25-month CD Special will convert to a regular 24-month CD and the 41-month CD Special will convert to a regular 36-month CD. You will earn the rate of interest in effect at that time.

EMV Card Technology – An Extra Layer of Security Coming Soon!

Westerra Credit Union will soon be converting to EMV chip technology, adding an extra layer of security to your debit and credit card purchases. In the meantime, you can continue to use your current Westerra cards. As always, your Westerra cards are protected against fraudulent activity so you are never liable for unauthorized charges on your account. Watch for more information about EMV chip technology coming soon.

AT WESTERRA, IT’S ALL ABOUT OUR MEMBERS

Federally Insured By NCUAYour savings at Westerra are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, through the National Credit Union Administration, a U.S. Government Agency. IRAs are separately insured up to $250,000 by the NCUA. Learn more at ncua.gov.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government

www.wes te r racu . com

Convenient Westerra LocationsArvada 7270 West 88th Avenue

Aurora 14305 East Alameda Avenue

Centennial 5698 South Himalaya Street

Denver 3700 East Alameda Avenue 3700 North Quebec Street 1725 West Mississippi

Lakewood 98 North Wadsworth Boulevard 375 Union Boulevard

Littleton 8906 W. Bowles Avenue

Parker 10169 South Parker Road

303-321-4209 • 1-800-858-7212email@westerracu.com

Over 1000 surcharge – FREE ATMs in Colorado 200 convenient CO-OP Shared Branches

MOBILEBANKING

Your savings federally insured to at least $250,000and backed by the full faith and credit of the United States Government

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

“As a teenager, I was looking for a bank where I would feel comfortable putting away money from summer jobs and working as a nanny. I’m so thrilled I found Westerra. They have gone above and beyond in their service and willingness to adapt with every new technological advancement. I love how accessible the ATMs are. I don’t have to stress to find one near my location.“

“I also value the prompt and kind service of the employees at every branch I’ve visited. Grateful for the importance they find in their job and in making sure every person is treated with respect and genuine joy.“ ~ Jessica

Membership and Business Account Agreements and DisclosuresThe terms of the Membership and Business Account Agreement and Disclosures will be revised to include the following clarifications effective November 1, 2015.

Methods of Contact. You agree, in order for us to service your account or collect any amount you may owe to the Credit Union, we may contact you at any telephone number associated with your account, including wireless telephone numbers, which could result in charges to you. We may also contact you by sending text messages or emails, using any phone number or address you provide to us. Methods of contact may include using pre-recorded/artificial voice messages and/or use of an automatic dialing device, as applicable.

Governing Law. This Agreement is governed by the laws and regulations of the State of Colorado and the United States of America, the Credit Union’s bylaws and policies and local clearing house rules, as amended from time to time. You agree that any legal action regarding this Agreement shall be brought in the state court having jurisdiction in the City and County of Denver, Colorado and you waive any right to a jury trial.

In addition, other technical clarifications have been completed. If you would like a copy of the full Membership and Business Account Agreements and Disclosures and Information Guide, please contact us at 303-321-4209 or 1-800-858-7212 or you can view this revised Agreement online beginning November 1, 2015 at westerracu.com.

Now you can use your Westerra cards and Apple Pay™ to pay securely at hundreds of thousands of stores and participating Apps. Simply use your iPhone 6, iPad Air 2 or iPad mini 3 with the latest version of IOS 8 to add your Westerra card to Apply Pay.

How to Add Your Westerra Card to Apple Pay

» To add your Westerra card to Apple Pay, use your iSight camera to instantly capture your card information. Or simply enter manually.

» Or, just add your Westerra card from your iTunes account to Apple Pay.

How to Pay in Stores and Within Apps

» To pay in stores, just hold your iPhone 6 near the contactless reader with your finger on Touch ID.

A subtle vibration lets you know your payment information was successfully sent.

» To pay within Apps, checking out is as easy as selecting “Apple Pay” and placing your finger on the Touch ID.

When you pay with your Westerra card using Apple Pay, you still get all the rewards, benefits and security your card provides, including our zero liability policy that protects you from unauthorized purchases. To learn more about using Apple Pay, visit westerracu.com/ap.

Easily Deposit Checks with Westerra’s Mobile Check Deposit!Now you can make a quick and secure deposit by taking a picture of your check using the Mobile Check Deposit feature within the Westerra Mobile Banking App. To get started, simply download the Westerra Mobile Banking App.

The Westerra Mobile Banking App is made specifically for your iPhone or Android smartphone, and for the iPad. Visit the App Store or Google Play and search for Westerra Mobile Banking. For more information about how to deposit checks through the Mobile Banking App, visit westerracu.com.

ARVADA 7270 West 88th Avenue • 80021 AURORA 14305 East Alameda Avenue • 80012 CENTENNIAL 5698 South Himalaya Street • 80015

DENVER Cherry Creek – 3700 East Alameda Avenue • 80209 Stapleton – 3700 North Quebec Street • 80207 Athmar Park – 1725 West Mississippi Avenue • 80223

LAKEWOOD Belmar – 98 North Wadsworth Boulevard • 80226 Green Mountain – 375 Union Boulevard • 80228

LITTLETON 8906 West Bowles Ave • 80127 PARKER 10169 South Parker Road • 80134

Everyone in the Denver metro area can participate!

200 Locations. 1000 Free ATMs. | 303-321-4209 | westerracu.com

*All loans subject to credit approval. Donations made for all accounts upon request, excluding adult savings accounts. Westerra may

share your name with the team/activity when making donations. Deposit of $5 in savings account required. $5 membership fee waived.

Federally insured by NCUA.Your savings federally insured to at least $250,000

and backed by the full faith and credit of the United States Government

Youth Accounts:

OPEN A SAVINGS ACCOUNT

• Start your student on the right financial track with a

credit union account.

GET FREE CHECKING with a Free Debit Card

• No monthly fees or minimum balance

• 1000 free ATMs in Colorado

• Using only a Visa® debit card (no checks) eliminates

the possibility of overdrawing your account and being

charged a fee. If there are no funds to cover a debit card

purchase or ATM transaction, the transaction will simply

be denied.

• Parent or guardian must accompany students under age

18 with valid identification to open their accounts.

For Parents, Family and Friends:

CHOOSE ANY OF THESE SERVICES:

Visa® Debit Card—Free checking, 1000 free ATMs,

free Mobile Banking

Visa® Credit Card—Free balance transfers, low rates,

cash-back rewards

Auto Loans—Low rates on purchase or refinances

Home Equity Lines of Credit—Low rates for home

improvements, tuition, weddings or other special purposes.

Mortgages—Refinance or purchase at today’s low rates.

CDs, IRAs and Money Market Accounts—Compare our

rates! Choose the rates and terms that work best for you.

Westerra Credit Union will donate $52.80 for each account you open!

Find out why more Coloradans are choosing Westerra —

your not-for-profit credit union.

EARN $52.80 FOR

COLORADO GOLF

ASSOCIATION!

STOP BY ONE OF OUR LOCATIONS TODAY AND MENTION

COLORADO GOLF ASSOCIATION TO OPEN YOUR ACCOUNTS.

ARVADA 7270 West 88th Avenue • 80021 AURORA 14305 East Alameda Avenue • 80012 CENTENNIAL 5698 South Himalaya Street • 80015

DENVER Cherry Creek – 3700 East Alameda Avenue • 80209 Stapleton – 3700 North Quebec Street • 80207 Athmar Park – 1725 West Mississippi Avenue • 80223

LAKEWOOD Belmar – 98 North Wadsworth Boulevard • 80226 Green Mountain – 375 Union Boulevard • 80228

LITTLETON 8906 West Bowles Ave • 80127 PARKER 10169 South Parker Road • 80134

Everyone in the Denver metro area can participate!

200 Locations. 1000 Free ATMs. | 303-321-4209 | westerracu.com

*All loans subject to credit approval. Donations made for all accounts upon request, excluding adult savings accounts. Westerra may

share your name with the team/activity when making donations. Deposit of $5 in savings account required. $5 membership fee waived.

Federally insured by NCUA.

Your savings federally insured to at least $250,000

and backed by the full faith and credit of the United States Government

For Students: OPEN A SAVINGS ACCOUNT • Start your student on the right financial track with a

credit union account. GET FREE CHECKING with a Free Debit Card • No monthly fees or minimum balance • 1000 free ATMs in Colorado • Using only a Visa® debit card (no checks) eliminates

the possibility of overdrawing your account and being

charged a fee. If there are no funds to cover a debit card

purchase or ATM transaction, the transaction will simply

be denied. • Parent or guardian must accompany students under age

18 with valid identification to open their accounts.

For Parents, Family and Friends: CHOOSE ANY OF THESE SERVICES: Visa® Debit Card—Free checking, 1000 free ATMs, free Mobile Banking

Visa® Credit Card—Free balance transfers, low rates,

cash-back rewards Auto Loans—Low rates on purchase or refinances

Home Equity Lines of Credit—Low rates for home improvements, tuition, weddings or other special purposes.

Mortgages—Refinance or purchase at today’s low rates.CDs, IRAs and Money Market Accounts—Compare our

rates! Choose the rates and terms that work best for you.

Westerra Credit Union will donate $52.80 for each account you open!

Find out why more Coloradans are choosing Westerra —your not-for-profit school district credit union.

EARN $52.80 FOR GREEN MOUNTAIN HIGH SCHOOL - FOOTBALL!

STOP BY ONE OF OUR LOCATIONS TODAY AND MENTION

GREEN MOUNTAIN HIGH SCHOOL - FOOTBALL TO OPEN YOUR ACCOUNTS.

GO RAMS!GO RAMS!

GO RAMS!GO RAMS!Green MountainHigh School

Raise Funds for Your School or Organization With Westerra’s Fundraising ProgramWesterra’s Fundraising Program helps schools and organizations raise money to cover expenses while helping students learn about saving money and making smart financial choices.

Westerra will donate $52.80 to schools and organizations for each new service opened.

For Students:Students can raise money and get started on the right financial track when they open a credit union savings account and when they open their first debit card. A Westerra checking account helps them learn money management skills – without fees. Using only their debit card (no checks) eliminates the possibility of overdrafts. If there are no funds to cover a transaction, it will simply be denied.

For Parents, Family and Friends:Parents, family and friends can save money and help raise funds when they open a Visa® Debit Card, Visa® Credit Card, Auto Loan, Home Equity Line of Credit, Mortgage, CD, IRA or Money Market Account.

Westerra is committed to supporting activities that benefit schools, communities and families. Students have the opportunity to learn about saving and managing money – and families can save money on financial products and services, too! To learn more about getting your school or organization signed up, visit westerracu.com/serving-our-schools/fundraising or call 303-329-4518.

East High School

Debit cards can be customized for your school or organization!