Goldenwest Credit Union


Overview / Commentary
800-283-4550
5025 Adams Ave
Ogden, UT 84403

Goldenwest Credit Union is headquartered in Washington Terrace and is the 3rd largest credit union in the state of Utah. It is also the 129th largest credit union in the nation. It was established in 1936 and as of December of 2024, it had grown to 589 employees and 195,086 members at 49 locations. Goldenwest Credit Union's money market rates are 9X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Goldenwest Credit Union is open to those who live, work, worship, volunteer, or attend school in Weber County, or select parts of Cache, Davis, Salt Lake, Utah and Washington Counties. Membership is also to those who attend school in Box Elder, Davis, Logan, Morgan, North Summit or Washington school districts and employees, students, and alumni of Utah State University and their extensions.
See current membership details

Reviews (3)

Safe, Secure, Friendly And Strong!

Posted by: |

I have been a member of Goldenwest Credit Union for 16 years and have always been treated with respect, courtesy, and professionalism. The leadership and management team is comprised of men and women with great character, integrity, and genuine concern for their members. I have never had any issues with my accounts or the branch employees I have dealt with. They are extremely competitive with rates and fees. I have had easy access to my accounts while traveling nationally and internationally. GWCU is a strong, safe, and wonderful financial institution to help with nearly all of your financial needs.

Golden West Credit Union Is Disgusting!

Posted by: |

Samantha is the most worthless operator there is. What a pile. SHE REFUSED TO HELP SENDING IN THE REQUIRED DOCUMENTS TO THE GAP INSURANCE DIVISION.

Get With The Times This Sucks

Posted by: |

My very first time going to ATM its down! I go back today and the ATM does not do cash deposits. This is a freaking credit union get with the times. I have had my account open for about a month I am going to be closing my account! Hell, even Wells Fargo and Chase both have ATM deposits. NO I am not going to put my cash in a side bucket and WAIT to have access until next business day. Thank you for wasting my time.



Health
A+

Health Grade Components

Overall
NCUA #24693
Year Chartered1936
Employees589
Primary Regulator
Profit Margin
Return on Assets - YTD1.44%
Return on Equity - YTD10.59%
Annual Interest Income$185.1MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$3.46B$3.06B
LoansQ4 2024vs Q4 2023$2.77B$2.48B
DepositsQ4 2024vs Q4 2023$2.95B$2.6B
Equity CapitalQ4 2024vs Q4 2023$466.1MM$410.5MM
Loan Loss AllowanceQ4 2024vs Q4 2023$31.2MM$28.7MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$13.9MM$6.9MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Goldenwest Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Goldenwest Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$25-Primary Share
0.05%$25-Secondary Share
0.05%$25-Christmas Club
0.05%$25-Health Savings Account

Goldenwest Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.05%*$1m*-Insured Money Market Account
OTHER TIERS: 1.00% $0 - $5k | 1.30% $5k - $25k | 1.75% $25k - $50k | 2.10% $50k - $100k | 2.85% $100k - $250k | 3.65% $250k - $500k | 3.70% $500k - $1m

Goldenwest Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$50k*-Business Reward Yourself Checking
OTHER TIERS: 0.05% $0 - $10k | 0.30% $10k - $25k | 0.40% $25k - $50k
0.10%*$25k*-Business Checking
OTHER TIERS: 0.05% $10k - $25k
0.10%$0-IOLTA Business Checking
0.05%$500-Smart Pay Rewards Checking

Goldenwest Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.51%$50-18 Month Variable CD
4.51%$50-Business 18 Month Variable CD
4.25%$500-6 Month CD
4.25%$500-9 Month CD
4.25%$500-12 Month CD
4.25%$500-6 Month HSA CD
4.25%$500-12 Months HSA CD
4.25%$500-Business 6 Month CD
4.25%$500-Business 6 Month HSA CD
4.25%$500-Business 9 Month CD
4.25%$500-Business 12 Month CD
4.25%$500-Business 12 Months HSA CD
4.09%$500-60 Month CD
4.09%$50$250k12 Month Flex CD
4.09%$500-Business 60 Month CD
4.09%$50$250kBusiness 12 Month Flex CD
4.05%$500-48 Month CD
4.05%$500-Business 48 Month CD
4.00%$500-24 Month CD
4.00%$500-30 Month CD
4.00%$500-36 Month CD
4.00%$500-Business 24 Month CD
4.00%$500-Business 30 Month CD
4.00%$500-Business 36 Month CD
3.85%$500-18 Month CD
3.85%$500-Business 18 Month CD
3.75%$500-3 Month CD
3.75%$500-Business 3 Month CD
0.15%$500-1 Month CD w/ Checking
0.15%$500-Business 1 Month CD w/ Checking
0.10%$500-1 Month CD w/o Checking
0.10%$500-Business 1 Month CD w/o Checking

Goldenwest Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.51%$50-18 Month Variable IRA Certificate
4.25%$500-6 Month IRA Certificate
4.25%$500-9 Month IRA Certificate
4.25%$500-12 Month IRA Certificate
4.09%$500-60 Month IRA Certificate
4.05%$500-48 Month IRA Certificate
4.00%$500-24 Month IRA Certificate
4.00%$500-30 Month IRA Certificate
4.00%$500-36 Month IRA Certificate
3.85%$500-18 Month IRA Certificate
3.75%$500-3 Month IRA Certificate
0.15%$500-1 Month IRA Certificate w/ Checking
0.10%$500-1 Month IRA Certificate w/o Checking
Locations

Availability



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