Goldenwest Credit Union (UT) Adds Limited-Time 11-Month CD, 3.05% APY


Deal Summary: CD Specials – 11-month (3.05% APY) and 33-month (3.10% APY), new money, $500 minimum deposit

Availability: Residents of six Utah counties; employees and members of many SEGs.

Now through February 28, Goldenwest Credit Union (Goldenwest CU) is offering a 11-month CD Special (3.05% APY). The minimum opening deposit is $500, with new money required. There is a bump option available, but with a 15 bps discount (2.90% APY) at account opening.

The 33-month CD Special (3.10% APY) can also be opened with a new money $500 minimum deposit. There is a one-time bump option, but unlike the 11-month CD Special, no discount is required to exercise the bump option. The 33-month CD Special is listed as a “limited-time offer,” but according to CSR, no definite end-date has been set.

According to CSR, the Early Withdrawal Penalty for the 11-month CD Special is 60 days of dividends, and 180 days of dividends for the 33-month CD Special.

Thanks to DA reader, dwindley, for the Forum posts about these limited-time CD Specials at Goldenwest CU.


Headquartered in Ogden, Utah, Goldenwest Credit Union’s field of membership (FOM) is primarily residency-based, with individuals who live, work, worship, attend school, or volunteer in Salt Lake County or Weber County eligible to join.

In addition, residents of portions of Cache, Davis, Utah, and Washington Counties also qualify for membership.

Employees, volunteers, students, and alumni of many SEGs companies (including Utah State University, Intermountain Healthcare, and SelectHealth) are eligible for membership.

Immediate family members (defined as parent, child, sibling, spouse, grandparent, step- and adoptive relationship) of current Goldenwest CU, USU Credit Union, and/or Healthcare Credit Union members are membership eligible. (About two years ago, Goldenwest CU completed a merger with Salt Lake City-based Health Care Credit Union, adding over 7,600 members and $76 million in assets.)

Complete details are listed on the Membership Eligibility Requirements page.

Joining Goldenwest CU can be done online or at any of 40 Utah branches located in Bountiful, Brigham City, Centerville, Clearfield, Clinton, Farmington, Herriman, Kaysville, Layton, Lehi, Logan (4), Marriott Slaterville, Morgan, Murray (3), Ogden (6), Orem, Providence (2), Riverton, Roy, Saint George (2), Salt Lake City (2), Sandy (2), Smithfield, South Jordan, West Jordan, and West Valley.

Opening a CD Special must be done in-branch, at any of the above mentioned full-service branches.

Credit Union Overview

Goldenwest Credit Union has an overall health grade of "A+" at, with a Texas Ratio of 1.68% (excellent) based on September 30, 2018 data. In the past year, Goldenwest CU has increased its total non-brokered deposits by $102.95 million, an excellent annual growth rate of 18.6%. Please refer to our financial overview of Goldenwest Credit Union (NCUA Certificate # 24693) for more details.

Goldenwest Credit Union is currently Utah’s third largest credit union, with more than 135,700 members and assets in excess of $1.5 billion. Founded in 1936 as the Ogden Railway and Depot Company Employees Federal Credit Union, the Credit Union was organized by eight individuals, including Karl S. Little, who was known as Utah’s “Mr. Credit Union.” Mr. Little also served as the president of the Utah State Credit Union League and was active in the National Credit Union movement.

Goldenwest CU has been paying annual bonus dividends for 15 years, with this past year’s payout the largest in the Credit Union’s history.

Since 2004, Goldenwest has paid more than $13 million to members through the bonus dividend program. With this year’s bonus, members will collectively earn $1.975 million on share savings dividends for the month of December.

How the CD Special Compares

When compared to 260 similar length-of-term CDs tracked by that require a similar minimum deposit and are available within the FOM, Goldenwest Credit Union's 11-month CD Special APY currently ranks first.

The above rates are accurate as of 2/13/2019.

To search for the best CD rates, both nationwide and state specific, please refer to the CD Rates Table page.

Related Pages: Idaho Falls CD rates, Salt Lake City CD rates, 1-year CD rates, 5-year CD rates

  |     |   Comment #1
Ken, I'll take the liberty of posting this here...Have you all decided to curtail the so-called "bad" comments by limiting the number of comments? Seems that way. Only 4 threads are posted on main web page...why not have 10 or eliminate all of them...or is that the direction you all are going? This is intended to be constructive.
Ken Tumin
  |     |   Comment #2
We are not limiting comments. Our /blog page lists the most recent 12 blog posts, and that hasn't changed for many years. As we have always done, we moderate comments based on our comment policy.
  |     |   Comment #3
I wasn’t clear...Under your main page there a Recent Comments” and 5 are listed this morning verses 4 last night. Why not have more there; othwise with only 4, now 5, they fall off quickly
  |     |   Comment #4
Ken, what do you think?
Goldenwest Credit Union (UT) Ups 60-Month CD Rate
Deal Summary: 60-month CD, 2.55% APY, $500 minimum deposit

Availability: Residents of six Utah counties; employees and members of many SEGs.

Goldenwest Credit Union (Goldenwest CU) started the month by raising the rate on its 60-month CD (2.55% APY). The minimum deposit is $500, with no stated balance cap.

In the past eight months, the 60-month CD has had four rate increases, adding a total of 30 bps.

The 60-month CD is also available as an IRA (Traditional, Roth, CESA), earning the same APY with the same funding...

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