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USU Credit Union

Deposits held and insured by Goldenwest Credit Union

Overview / Commentary
www.usucu.org
453-753-4080
5025 Adams Ave
Ogden, UT 84403
Deposits held and insured by Goldenwest Credit Union

Field of Membership Restrictions

Membership in USU Charter Credit Union is open to those who live, work, worship, volunteer, or attend school in Weber County, 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 (1)

Love USU Credit Union

Posted by: |

There's nothing like a local credit union! USU credit union offers big bank conveniences and services without the big bank fees. I actually get interest on my checking account! and no service fees with it! The credit union offers great interest rates on savings, checking, and CDs. I especially like that they that offer savings and checking accounts for my kids and teenagers. There are several branches in my area, so I never have to go out of my way to bank. Their online services and app keep them very modern. I was able to set travel alerts on the app and use my ATM card in Europe without any problems. I like that I never have to wait in line at the credit union. Often, I walk in and am greeted by a teller at the door and escorted to a desk for my transaction. The tellers are always very helpful and friendly. Although they may have promotions on credit cards or loans from time to time, there's never a hard sell. I would highly recommend this credit union.

2


Health
A+

Data as of Q4 2023

Data displayed below is for insuring bank: Goldenwest Credit Union
Learn why bank health matters

Health Grade Components

Overall
NCUA #24693
Year Chartered1936
Employees548
Primary Regulator
Profit Margin
Return on Assets - YTD1.47%
Return on Equity - YTD10.98%
Annual Interest Income$147.8MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$3.06B$2.77B
LoansQ4 2023vs Q4 2022$2.48B$2.24B
DepositsQ4 2023vs Q4 2022$2.6B$2.35B
Equity CapitalQ4 2023vs Q4 2022$410.5MM$366.7MM
Loan Loss AllowanceQ4 2023vs Q4 2022$28.7MM$26.6MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$6.9MM$4.8MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not USU 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.

USU Credit Union Savings Account Rates

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

USU Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.65%*$1m*-Insured Money Market Account
OTHER TIERS: 1.00% → Up to $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

USU Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$50k*-Business Reward Yourself Checking
OTHER TIERS: 0.05% → Up to $10k | 0.20% → $10k - $25k | 0.30% → $25k - $50k
0.10%*$25k*-Basic Business Checking
OTHER TIERS: 0.05% → $10k - $25k
0.10%--IOLTA Business Checking
0.05%$500-Smart Pay Rewards Checking

USU 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
5.25%$500-Business 8 Month CD Special w/ One-Time Bump
5.10%$500-14 Month CD Special w/ One-Time Bump
5.10%$500-Business 14 Month CD Special w/ One-Time Bump
4.50%$500-31 Month CD Special
4.50%$500-Business 31 Month CD Special
4.25%$500-6 Month CD
4.25%$500-12 Month CD
4.25%$500-9 Month CD
4.25%$500-Business 6 Month CD
4.25%$500-Business 9 Month CD
4.25%$500-Business 12 Month CD
4.25%$500-21 Month CD Special w/ One-Time Bump
4.25%$500-Business 21 Month CD Special w/ One-Time Bump
4.25%$500-6 Month HSA CD
4.25%$500-12 Month HSA CD
4.25%$500-Business 6 Month HSA CD
4.25%$500-Business 12 Month HSA CD
4.00%$500-24 Month CD
4.00%$500-36 Month CD
4.00%$500-48 Month CD
4.00%$500-60 Month CD
4.00%$50$250k12 Month Flex CD
4.00%$500-30 Month CD
4.00%$50$250kBusiness 12 Month Flex CD
4.00%$500-Business 24 Month CD
4.00%$500-Business 30 Month CD
4.00%$500-Business 36 Month CD
4.00%$500-Business 48 Month CD
4.00%$500-Business 60 Month CD
3.85%$500-18 Month CD
3.85%$500-Business 18 Month CD
3.85%$50-Business 18 Month Variable CD
3.75%$500-3 Month CD
3.75%$500-Business 3 Month CD
0.15%$5k-1 Month CD w/Checking
0.15%$5k-Business 1 Month CD w/Checking
0.10%$5k-1 Month CD w/o Checking
0.10%$5k-Business 1 Month CD w/o Checking

USU Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.39%$50-18 Month Variable IRA
5.25%$500-8 Month IRA Special w/ One-Time Bump
5.10%$500-14 Months IRA Special w/ One-Time Bump
4.50%$500-31 Months IRA Special
4.25%$500-6 Month IRA
4.25%$500-9 Month IRA
4.25%$500-12 Month IRA
4.25%$500-21 Month IRA Special w/ One-Time Bump
4.00%$500-24 Month IRA
4.00%$500-36 Month IRA
4.00%$500-48 Month IRA
4.00%$500-60 Month IRA
4.00%$500-30 Month IRA
3.85%$500-18 Month IRA
3.75%$500-3 Month IRA
0.15%$5k-1 Month IRA w/Checking
0.10%$5k-1 Month IRA w/o Checking
Locations

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