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USU Credit Union

Deposits held and insured by Goldenwest Credit Union

TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.30%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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

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Health
A+

Data as of Q4 2024

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

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
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.30%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* 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
4.15%*$1m*-Insured Money Market Account
OTHER TIERS: 1.00% → $0 - $5k | 1.30% → $5k - $25k | 1.75% → $25k - $50k | 2.15% → $50k - $100k | 2.90% → $100k - $250k | 3.75% → $250k - $500k | 3.80% → $500k - $1m

USU 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*-Basic Business Checking
OTHER TIERS: 0.05% → $10k - $25k
0.10%$0-IOLTA Business Checking
0.05%$500-Smart Pay Rewards Checking

USU Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.85%$500-19 Month CD Special
4.85%$500-Business 19 Month CD Special
4.51%$50-18 Month Variable CD
4.51%$50-Business 18 Month Variable CD
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%$500-6 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
4.09%$500-60 Month CD
4.09%$50$250k12 Month Flex CD
4.09%$50$250kBusiness 12 Month Flex CD
4.09%$500-Business 60 Month CD
4.05%$500-48 Month CD
4.05%$500-Business 48 Month CD
4.00%$500-24 Month CD
4.00%$500-36 Month CD
4.00%$500-30 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

USU Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.85%$500-19 Month IRA Special - Plus Free One-Time Bump
4.51%$50-18 Month Variable IRA
4.25%$500-6 Month IRA
4.25%$500-9 Month IRA
4.25%$500-12 Month IRA
4.09%$500-60 Month IRA
4.05%$500-48 Month IRA
4.00%$500-24 Month IRA
4.00%$500-36 Month IRA
4.00%$500-30 Month IRA
3.85%$500-18 Month IRA
3.75%$500-3 Month IRA
0.15%$500-1 Month IRA w/Checking
0.10%$500-1 Month IRA w/o Checking
Locations

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