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We finance rental and investment properties up to 80% loan to value at competitive rates

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Goldenwest can provide financing for vehicles and other equipment for your business

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Goldenwest has partnered with the Small Business Administration to provide businesses with financing

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Finance the trucks, vans, and cars you need to keep your business moving

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For many owners and managers, a Visa Credit Card is a key tool for transacting business.

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GreenPath offers free, immediate, and holistic credit and debt counseling with a certified financial counselor.

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Embark on your credit journey with confidence! Explore, learn, and master building credit, discover the power of a solid credit score, and protect your financial future.

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Smart tips, expert advice, and powerful tools to help you thrive—achieve financial success at every stage of life with Goldenwest by your side as your trusted financial partner.

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Get insights straight from the top! Goldenwest President/CEO Kerry Wahlen shares the latest credit union news, smart financial tips, and trusted advice to help you stay informed and empowered.

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With identity theft affecting 1 in 30 Americans yearly, it’s no longer a question of if—but when. Protect yourself now from the financial chaos of stolen personal information.

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At Goldenwest, your online security is our priority. SSL encryption keeps your account safe—and we’ll never call, text, or email asking for personal or account info.

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If you need help choosing a Medicare Plan, a licensed sales representative can provide you with assistance from understanding what Medicare is, what coverage you might need, and how to sign up.

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Our experienced financial professionals can provide you with a complete analysis of your current financial situation.

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Certificates earn higher dividends than share savings accounts and have pre-determined maturity rates.

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If you seek security and flexibility in your savings plans, consider an Insured Money Market account

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An Individual Retirement Account (IRA) can provide a tax-deferred or tax-free way of saving for retirement

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Receive peace of mind that your loved ones will be cared for in the future

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Our knowledgeable MEMBERS Financial Services Advisors are available to review your retirement plans, and help you prepare for what lies ahead.

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Save big with Goldenwest Insurance Services—customized auto coverage, exclusive discounts, and bundle savings for members from top carriers.

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Enjoy the outdoors with peace of mind—Goldenwest Insurance offers competitive RV, trailer, and camper coverage, multi-policy discounts, and free quotes.

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Goldenwest Insurance Services finds the best coverage at budget-friendly prices. Trust our expert team to protect your ride with personalized insurance plans tailored just for you.

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Life’s better at the lake with Goldenwest Insurance. Get tailored boat and watercraft coverage that protects you and your vessel—so you can relax and enjoy every moment on the water.

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Whether to a show, stable, or vet, the right horse trailer insurance gives you peace of mind and smart protection wherever your equine adventures take you.

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Built for hard work—from hauling tools to weekend projects—ensure your utility trailer is protected with the right insurance policy for peace of mind.

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Protect your home from floods, earthquakes, and more. Natural disaster insurance covers what standard policies don’t—helping you manage risk from costly, unexpected events.

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Renters insurance protects your belongings from theft or damage and covers liability for injuries in your home—essential coverage for tenants in apartments or rental homes.

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President's Blog

by Kerry Wahlen, President/CEO

Memories from the Early Days

August 18, 2016
Memories from the Early Days

As Goldenwest celebrates its 80th anniversary this year, I have asked our members to share with me stories about the early days and members of the Credit Union. I have been thrilled by the response from our members, and wish to share with you some snippets (listed below) from their memories. We will recognize the winner of the $100 CD in the next issue of the Newsline, scheduled for release in Autumn 2016. – Kerry Wahlen


I hired on with the Ogden Union Railroad and Depot Extra Board in June of 1959, working in the Freight House and some occasions in the Freight Office to cover employees on vacation. I joined the Credit Union in June, 1959…and still rely on the Credit Union for my banking needs.

Payday was always a very busy day for the Credit Union because the railroaders would stop by the Freight Office to pick up their checks and would immediately head for the Credit Union to cash them, or make a deposit to savings or make a payment on a loan. The Credit Union always had enough cash on hand to accommodate all comers on payday.

– Gary Jackson


Our Father, Cyril B Stanger was an early member on the board of Directors for Ogden Rail Road Employee Credit Union. My older brothers and sisters performed the manual “stuffing” of monthly statements. At the time, one had to work or have a family member to be a member. All nine of my father’s children started out with 4-digit account numbers. We have been a proud credit union family since my Father was an early railroad employee in the 30s retiring with over 40 years of employment ending with the Southern Pacific Transportation Company in the 80s. Thank you for this opportunity to prod many fond memories of the credit union, including Lagoon days of the 60s and 70s. Our family has utilized financial opportunities over the years to “flip” houses in Ogden, before that was a trendy business.

– Deborah (Stanger) Finn-Nokes


In 1964 I transferred on the railroad from Nevada to Ogden, UT. I joined the Ogden Railroad Credit Union. The president at the time was Monte Call. I opened a checking account and applied through the most incredible loan officer, Ruth Wilson. She had an amazing memory and when I called she recognized my voice and would immediately say, “hi there (and my account number)”. She then would say, “Hi Tom, what can I do for you?” She meant it with the utmost respect. At the time, I had 5 children and applied for a loan on my first home.

Over the years the credit union has helped me with many endeavors in Missouri, Nevada, Idaho and Utah. Most of all, my children are members and I have talked most of my grandchildren into memberships. That’s 56 years of membership. It has been wonderful experience.

– Tom Babcock Sr


One of the founders of Goldenwest Credit Union was my Grandfather William H. Christensen. He and his wife Esther were not able to have biological children, and so they adopted my father William A. Christensen, and his sister Lois Christensen. I am not sure at what age my father William A. Christensen opened up an account, but I think he had an account for the majority of his life.

My dad helped me open up an account when the name was still “The Ogden Railways Credit Union”. I still remember the blue folder with a picture of a curving train on it that I was given when I opened up my account when I was in about my mid 20s. I am now 59 years old.

Goldenwest has serviced me well throughout my life, I refinanced my home, and finished paying it off through a Goldenwest loan. I am still proud to be a Goldenwest member.

– Brent Christensen


I joined ORRCU in 1974. I had moved to Ogden, UT from a small town in Minnesota and worked at St Benedict's hospital. Henry Poce was also at the hospital and that is one of the reasons I opened my account. In the past 42 years I have had car loans, home loans, Visa and recreation vehicle loans with them. I moved to St. George and continued with this great organization. Kelly Blake always greets me even when I’m at the drive through. And he has great tips on grilling. I didn’t know the assets were as strong as they are. I do know how I am treated.

–Patricia Peacock


Forward looking men in Ogden organized the Railroad credit union under and made it possible for a working man to obtain emergency funds from people he could trust. Among those men was my father, Lamont C. Call who served for decades as the auditing committee chairman when the Railroad Credit Union was housed in a small office upstairs in the Ogden Union Depot Building and later when it moved to 26th Street. Dad had me open an account with the first money I ever made at fifteen years of age which I have maintained for the past 67 years.

The Credit Union movement has been an important part of my life, first of all through the involvement of my father and later for the significant contribution of my brother Monte Call. I will be forever grateful for the lessons of thrift, and service that has been my heritage through the “Railroad” (to me it will always be) Goldenwest Credit Union.

– Vern W. Call


Comments

  • I was born in 1936. The same year that my father, Elbert Joseph Stephenson, joined with six other O.U.R. & D. Company Railway Employees to file the papers and deposit their $10.50 each to found the Ogden Railway Employees Federal Credit Union. I recall that in their early years they gave very personal service and took chances on loans that required faith in their railroad colleagues. Many were helped out of the Depression with this unique federal credit union. Later, the growth and expansion of the membership would determine a new name, Goldenwest Credit Union. I am proud of my father's contribution to the welare of many then and since. Growing up I went duck hunting with Irving Christensen and others of that original board and membership at another of their foundings, The Pioneer Duck Club. Love & Thanks, Dad. Dr. Bud W. Stephenson

    Bud W. Stephenson, Ph.D., Professor Emeritus WSU
    September 4, 2016

  • Mr. Wahlen, I noted the photos of the original 7. Hard to recognize some so many years ago. They were valiant. Many of you may not know that RR personnel during the years of WWII were classified as essential to the war and movement of troops, tank, trucks and more. Some days I watched over 10 tracks of passenger trains full of troops get serviced and moved out to the West coast. I watched more than triple that number of tracks daily full of equpment cited above; serviced and moved out. Even able to see up close that huge "Round House" where the locomotives were repaired and serviced. Mr. Wahlen, may I respectfully request that you take steps to insert the names of that original board of organizers? They all deserve our thanks for their service during the that war and others and for the founding of the original credit union as well. Thanks, Bud W. Stephenson, Ph.D., Professor Emeritus WSU Dr. Bud W. Stephenson

    Bud W. Stephenson, Ph.D., Professor Emeritus WSU
    September 4, 2016

  • THANKS TO THE PRESIDENT FOR HIS COOPERATIVE RESPONSE IN UPDATING THE "HISTORY" PAGE UNDER THE "COMMUNICATION" MENU TO SHOW INDIVIDUAL PHOTOS OF THE ORIGINAL FOUNDERS OF THE CREDIT UNION WHEN AT THE TIME WAS THE "RAILROAD EMPLOYEES FEDERAL CREDIT UNION." iT IS VERY NICE TO HAVE THOSE MEN HONORED AS SO MANY THOUSANDS OF MEMBERS HAVE ULTIMATELY BENEFITED FROM THEIR FORESIGHT AND CONTRIBUTIONS. THANKS AGAIN, IN MY CASE ALONE THIS HAS BENEFITED AN EXTENDED FAMILY OF OVER 50 TO KNOW MORE OF THEIR FATHER, GRANDFATHER, GREAT GRANDFATHER AND GREAT, GREAT GRANDFATHER. BUD STEPHENSON

    BUD W. STEPHENSON
    January 29, 2017