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 145th largest credit union in the nation. It was established in 1936 and as of March of 2024, it had grown to 568 employees and 187,678 members at 47 locations. Goldenwest Credit Union's money market rates are 11X 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 (7)

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.

Customer Service Is Second To NONE!

Posted by: |

Been a member of GWCU for nearly 16 years with 9 of these years being outside of the USA. Have I ever had a problem with my account while traveling and living abroad...nope! Can I call any time and get my problems solved...yep! I talk to expats all the time about how horrible their bank is; but my CU gets it done every time! Amazing staff, products and services. From remote deposit, online banking, you name it! A+++

Exceptional Service

Posted by: |

I've banked at Goldenwest Credit Union for over 13 years and have had a very positive experience. Their rates are extremely competitive and their mortgage department has delivered exceptional service on all three mortgages I've completed with GWCU.

Very Helpful!

I've been a member with Goldenwest for almost two years and I've never had any issues. Their interest rates are very competitive with other credit unions in my area and the customer service is always great! I would definitely recommend GWCU to a friend.

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.

Trash Company.

Posted by: |

GWCU is the worst credit union I've ever worked with. Amongst many complaints, they took "inactive fees" EACH MONTH if I didn't use the account. What a JOKE of a company. Closed account and I am NEVER going back. Not to mention they have some of the HIGHEST interest rates. I wish I could give them a 0! When I asked about the fees, they said "sorry you were never informed, but it's already done and there's nothing we can do". What trash.



Health
A+

Health Grade Components

Overall
NCUA #24693
Year Chartered1936
Employees568
Primary Regulator
Profit Margin
Return on Assets - YTD1.39%
Return on Equity - YTD10.33%
Annual Interest Income$43MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$3.2B$2.93B
LoansQ1 2024vs Q1 2023$2.51B$2.23B
DepositsQ1 2024vs Q1 2023$2.72B$2.5B
Equity CapitalQ1 2024vs Q1 2023$421.4MM$376.7MM
Loan Loss AllowanceQ1 2024vs Q1 2023$29.2MM$26.5MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$7.2MM$4.3MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Rates
Report an Issue

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
4.65%*$1m*-Insured Money Market Account
OTHER TIERS: 1.00% $0 - $5k | 1.75% $5k - $25k | 2.50% $25k - $50k | 2.75% $50k - $100k | 3.45% $100k - $250k | 4.25% $250k - $500k | 4.50% $500k - $1m

Goldenwest Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$50k*-Business Reward Yourself Checking
OTHER TIERS: 0.05% $0 - $10k | 0.20% $10k - $25k | 0.30% $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
5.39%$50-18 Month Variable CD
5.25%$500-8 Month CD Special w/ One-Time Bump
5.10%$500-14 Month CD Special w/ One-Time Bump
4.50%$500-22 Month CD Special w/ One-Time Bump
4.25%$500-6 Month CD
4.25%$500-9 Month CD
4.25%$500-12 Month CD
4.25%$500-31 Month CD Special
4.25%$500-6 Month HSA CD
4.25%$500-12 Months HSA CD
4.00%$500-24 Month CD
4.00%$500-30 Month CD
4.00%$500-36 Month CD
4.00%$500-48 Month CD
4.00%$500-60 Month CD
4.00%$50-12 Month Flex CD
3.85%$500-18 Month CD
3.75%$500-3 Month CD
0.15%$500-1 Month CD w/ Checking
0.10%$500-1 Month CD w/o Checking

Goldenwest Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.39%$50-18 Month Variable IRA Certificate
5.25%$500-8 Month IRA Certificate Special w/ One-Time Bump
5.10%$500-14 Month IRA Certificate Special w/ One-Time Bump
4.50%$500-22 Month IRA Certificate Special w/ One-Time Bump
4.25%$500-6 Month IRA Certificate
4.25%$500-9 Month IRA Certificate
4.25%$500-12 Month IRA Certificate
4.25%$500-31 Month IRA Certificate Special
4.00%$500-24 Month IRA Certificate
4.00%$500-30 Month IRA Certificate
4.00%$500-36 Month IRA Certificate
4.00%$500-48 Month IRA Certificate
4.00%$500-60 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



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.