Goldenwest Credit Union

Overview / Commentary
5025 Adams Ave
Ogden, UT 84403

Goldenwest Credit Union is headquartered in Ogden and is the 4th largest credit union in the state of Utah. It is also the 163rd largest credit union in the nation. It was established in 1936 and as of March of 2021, it had grown to 595 employees and 152,927 members at 43 locations. Goldenwest Credit Union has 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 (5)

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.

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 Grade Components

NCUA #24693
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD1.95%
Return on Equity - YTD15.35%
Annual Interest Income$18.3MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$2.33B$1.83B
LoansQ1 2021vs Q1 2020$1.59B$1.35B
DepositsQ1 2021vs Q1 2020$1.98B$1.53B
Equity CapitalQ1 2021vs Q1 2020$286.6MM$251.4MM
Loan Loss AllowanceQ1 2021vs Q1 2020$27.7MM$19.6MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$1.7MM$2.5MM
Real Estate OwnedQ1 2021vs Q1 2020$360.00K$360.00K
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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

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

0.15%*$250k*-Insured Money Market Account
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $250k

Goldenwest Credit Union Checking Account Rates

0.10%*$25k*-Business Checking
OTHER TIERS: 0.05% $10k - $25k
0.10%*$10k*-Business Reward Yourself Checking
OTHER TIERS: 0.05% Up to $10k
0.10%--IOLTA Business Checking
0.05%$500-Smart Pay Rewards Checking

Goldenwest Credit Union CD Rates

0.65%$500-60 Month CD
0.60%$500-48 Month CD
0.45%$500-30 Month CD
0.45%$500-36 Month CD
0.40%$500-24 Month CD
0.35%$500-18 Month CD
0.30%$500-12 Month CD
0.25%$500-6 Month CD
0.25%$500-9 Month CD
0.20%$500-3 Month CD
0.20%$50-12 Month Flex CD
0.10%$5k-1 Month CD w/ Checking
0.10%$5k-1 Month CD w/o Checking
0.02%$50-18 Month Variable CD

Goldenwest Credit Union IRA Rates

0.65%$500-60 Month IRA Certificate
0.60%$500-48 Month IRA Certificate
0.45%$500-30 Month IRA Certificate
0.45%$500-36 Month IRA Certificate
0.40%$500-24 Month IRA Certificate
0.35%$500-18 Month IRA Certificate
0.30%$500-12 Month IRA Certificate
0.25%$500-6 Month IRA Certificate
0.25%$500-9 Month IRA Certificate
0.20%$500-3 Month IRA Certificate
0.10%$5k-1 Month IRA Certificate w/o Checking
0.10%$5k-1 Month IRA Certificate w/ Checking
0.02%$50-18 Month Variable IRA Certificate


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