SMARTStart Checking

Checking
Savings
Services
Business

Reward Yourself Checking

Earn unlimited Extra Awards points at a higher rate with Visa Rewards cards. Receive discounts on loans and other money-saving opportunities.

SMARTPay Checking

Transition into independent financial responsibility by paying bills online, earning rewards points, accessing loans, and much more.

SMARTStart Checking

The perfect free account for teens and young adults. Learn key concepts of budgeting, earn rewards points, transfer money online, and more.

Earn rewards when you use a Goldenwest Debit Card. No

Save your money safely and securely with a share savings account

A sprout growing out of a jar of coins

Certificates or term deposit accounts earn higher dividends than traditional savings accounts and have pre-determined maturity rates

Insured Money Market

With an Insured Money Market account, you can deposit funds as often as you want – allowing you to increase your balance and earn higher interest rates.

Goldenwest Credit Union youth accounts provide the fundamental products and resources that build financial pathways.

It's never too early to teach your children how to save and spend responsibly.

Education Savings

An account created as an incentive to help parents and students save for education expenses.

Individuals and families with high health insurance deductibles can save money on current and future health care expenses with a Goldenwest Credit Union Health Savings Account (HSA).

An older couple on the beach staring out at the water

Individual Retirement

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

The Christmas Club Account is a great way to save for the holidays.

Newly wedded couple sitting on a bench

A Matrimoney wedding registry account gives family and friends a convenient and secure method to give cash gifts to brides and grooms.

A gold piggy bank in a sea of pink piggy banks

The Gold Account is a FREE loyalty savings account given to every member of Goldenwest Credit Union.

A smiling student using his phone to access his financial accounts.

A full suite of digital services to make managing your finances easier

A team of professionals standing in their modern place of work

Let Goldenwest help streamline your business from payroll to merchant card processing.

A customer smiling as she works with a credit union manager.

Other perks of being a Goldenwest member — shared branching, skip-a-payment and more

A woman with a credit card pondering finances

Manage your company's expenses with a business checking account from Goldenwest

Keep your business savings secure, close at hand and earning dividends.

Certificates or term deposit accounts earn higher dividends than traditional savings accounts and have pre-determined maturity rates

Insured Money Market

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

Individuals and families can save money on expenses with a Goldenwest Credit Union Health Savings Account (HSA)

A smiling woman holding a credit card playfully

Business Credit Cards

Business credit cards with low, competitive rates, no annual fees, rewards and cash back options.

A small team of smiling business professionals

Business Services

Let Goldenwest help streamline your business from payroll to merchant card processing.

Financing your auto loan is quick and easy, whether you're refinancing from another financial institution or purchasing a new or used vehicle.

Whether you’re looking for a compact camper or a luxury motorhome, we’ll help you get the financing you need so you can start exploring sooner.

Hop on board your next thrill ride with an ATV or UTV loan from Goldenwest Credit Union

A long utility trailer being pulled by a white pickup.

Haul anything, anywhere – Utility & Cargo Trailers for every job.

Get off the dock and explore the waters with the help of a Goldenwest boat loan.

Motorcycle Loans

If enjoying the open road on a bike is your idea of the perfect road trip, let Goldenwest Credit Union finance the ride of your life.

Snowmobile Loans

For winter-recreation enthusiasts, there is nothing quite like exploring the back country with family and friends on snowmobiles.

Personal Watercraft Loans

With your personal watercraft, you can explore amazing places that may be difficult to reach by boat or land.

A new, modest home with mature trees and a blue sky.

Affordable mortgage loans with competitive rates, flexible terms, and personalized service to help you finance your dream home with confidence and ease.

Construction Loans

Build your dream home with a flexible construction loan—featuring one-time and two-time closing options and streamlined financing from groundbreaking to move-in.

A young couple looking at their new home being built on a beautiful plot of land.

Finance the site of your future home with a lot loan—featuring low rates, flexible terms, and quick approvals for improved building lots.

Home Equity Line of Credit

Access funds when you need them with a Home Equity Line of Credit—flexible borrowing, low rates, and only pay interest on what you use.

A colorfully painted established home with red wooden siding an a blossoming tree

Home Equity Loan Fixed Rate Mortgage

Tap into your home’s equity with a fixed-rate loan—enjoy predictable payments, competitive rates, and funds for home improvements, debt consolidation, or major expenses.

A young couple shaking hands with a mortgage originator.

Find a Mortgage Originator

Connect with a local mortgage originator for expert guidance, personalized service, and support through every step of your home financing journey.

Low-rate Visa credit cards with rewards or cash back options. Fixed or variable rates available.

Earn rewards when you use a Goldenwest Debit Card. No annual or transaction fees.

Reloadable Cards

A Visa card that you can load money onto at any time. Use almost anywhere Visa is accepted.

A prepaid card that can be used everywhere Visa debit cards are accepted.

Business Credit Cards

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

Business Debit Card

The Goldenwest Business VISA Debit Card gives you the convenience and security of making purchases at millions of merchants worldwide.

An excavator silhouetted against a blue sky

Commercial Construction

Whether its an office, a sandwich shop, or a pet grooming business, we can help finance your building.

A corner retail space in a new stripmall

We can help you acquire property for your business with competitive rates and terms!

Lines of Credit

We offer revolving lines of credit for working capital in your business.

A row of colorful townhomes under a blue sky

Investment Property

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

Industrial manufacturing equipment operating inside a large factory

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

A small business owner outside her shop, smiling

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

A row of white delivery vans outside a shipping center

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

Business Credit Cards

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

Share and Certificate Secured Loans

Goldenwest Credit Union members can use funds in their Savings or Certificate accounts to secure loans at a lower rate than many other conventional loans.

Signature Loans

You can use a signature loan for just about anything – cover emergency expenses, pay-off medical bills, finance large purchases, or pay for a special occasion.

A smiling student in front of a library bookshelf.

Student loans for qualified Utah State University or Weber State University students.

A smiling student accessing his financial accounts on his phone.

A full suite of digital services to make managing your finances easier

A smiling team of employees in their modern place of work.

Let Goldenwest help streamline your business from payroll to merchant card processing.

A smiling member interacting with a credit union manager in a brightly lit office.

Other perks of being a Goldenwest member — shared branching, skip-a-payment and more

Financial Wellness
Blogs
FAQ
Fraud
Seminars

A woman in glasses deep in thought

New financial wellness resources each week for the Goldenwest community

A couple on a couch with a tablet - excited at their budget

Financial Counseling

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

Let us help you navigate your credit journey.

A backpacking couple looking over an expansive mountain vista.

Smart Money Blog

Financial tips and money-saving advice from Goldenwest Credit Union

A closeup of the credit union president

President's Blog

by Kerry Wahlen, President/CEO

A confused looking man scratching his beard and raising an eyebrow.

Search Frequently-Asked Questions

A searchable knowledgebase of answers about Goldenwest products and services.

Fraud Prevention

Fraudsters want your personal information, cards, and checks to use this information to gain access to your funds. By following these simple guidelines you can greatly reduce your risk of becoming a victim.

Identity Theft Protection

We live during a time where our identity can be quickly stolen and used to wreck personal financial havoc.

At Goldenwest Credit Union, the security of your online information is important to us.

Medicare Seminars

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.

Retirement
Wealth

Two brightly colored beach chairs on a tropical beach.

Retirement Planning

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

A financial professional with a young couple.

Wills and Trusts

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

A couple on the beach staring out at the waves

Individual Retirement Account

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

A young couple meeting with a financial planner

Financial Advisors

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

A sprout growing out of a jar of coins

Certificate Accounts

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

Stacked coins on an outdoor table

Insured Money Market

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

Goldenwest Insurance Services has helped hundreds of Goldenwest members save money with significantly reduced insurance premiums on their cars and trucks.

If your idea of spending time wisely includes wide-open spaces and fresh air, insuring your recreational vehicles with Goldenwest Insurance Services can bring you greater peace of mind.

Motorcycle Insurance

Motorcycle Insurance is a specialized policy designed to protect you, your bike, and your passengers from risks like accidents, theft, and damage.

Goldenwest Insurance Services offer Boat and Watercraft Insurance to ensure your peace of mind while you enjoy your time on the water.

Horse Trailer Insurance

Whether you’re heading to a show, the stables, or an emergency vet visit, having the right insurance gives you peace of mind every step of the way.

A man driving a ATV.

Powersports Insurance

Experience the thrill of riding your ATV, UTV, side by side, four-wheeler, dirt bike, or snowmobile in the great outdoors. Ensure your peace of mind with Goldenwest Insurance Services.

Utility Trailer Insurance

From hauling equipment and tools to helping with weekend projects, utility trailers are built for hard work. Make sure yours is protected with a specialized insurance policy.

E-Bike Insurance

E-Bike Insurance provides comprehensive coverage tailored to your needs. Ride with confidence and enjoy the journey, knowing your bike is protected.

Umbrella Policies

An umbrella policy will provide additional liability coverage above the limits of your home, auto and RV insurance policies.

Happy Couple holding their baby

Credit Life and Disability Insurance

Protect your family against the unexpected. Credit Insurance may make your loan payments when you can’t.

Free Online Insurance Quotes for Auto and Home Insurance

If you've experienced loss or damage, let us help you in the recovery process.

A smiling insurance agent meeting with a client in a brightly lit office

Find the right insurance agent for your needs at a convenient location near you

Homeowners Insurance

Protect your home with Goldenwest Insurance Services—reliable, affordable coverage for what matters most.

Flood Insurance

Protect your home and belongings with Flood Insurance.

Natural Disaster Insurance

Our goal is to provide competitive rates and significant savings on premiums, including coverage for floods, earthquakes, landslides, and other unexpected disasters.

Renters Insurance

Renters Insurance covers the personal property and belongings of the tenant, as well as offering liability protection in case of accidents or damages that may occur in the rented space.

Umbrella Policies

An umbrella policy will provide additional liability coverage above the limits of your home, auto and RV insurance policies.

Free Online Insurance Quotes for Auto and Home Insurance

If you've experienced loss or damage, let us help you in the recovery process.

A one on one meeting with a smiling insurance agent

Find the right insurance agent for your needs at a convenient location near you.

Life insurance is a security blanket that will continue to cover and protect the most important people in your life, even when you yourself no longer can.

Medicare Insurance

Let Goldenwest Licensed Sales Agents Take Care of You

Medicare Licensed Sales Agents

Find a Licensed Sales Agent

Medicare Seminars

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.

With Goldenwest, you can be prepared to recover from identity theft before it happens with Fraud-Defender.

A group of business professionals holding hands as a united team

Let Goldenwest handle all your commercial insurance needs

Professionals closely interacting over some design documents.

Let Goldenwest handle all your commercial insurance needs

A smiling young doctor in a windowed hospital corridor

Corporate Health

Choose from our suite of insurance coverage options to provide your employees with a safety net.

A smiling professional in a suit with arms folded

Find a helpful insurance agent from our team of experienced professionals.

Checking
Reward Yourself Checking

Earn unlimited Extra Awards points at a higher rate with Visa Rewards cards. Receive discounts on loans and other money-saving opportunities.
SMARTPay Checking

Transition into independent financial responsibility by paying bills online, earning rewards points, accessing loans, and much more.
SMARTStart Checking

The perfect free account for teens and young adults. Learn key concepts of budgeting, earn rewards points, transfer money online, and more.
Debit Cards

Earn rewards when you use a Goldenwest Debit Card. No

Savings
Savings

Save your money safely and securely with a share savings account
Certificates

Certificates or term deposit accounts earn higher dividends than traditional savings accounts and have pre-determined maturity rates
Insured Money Market

With an Insured Money Market account, you can deposit funds as often as you want – allowing you to increase your balance and earn higher interest rates.
Youth

Goldenwest Credit Union youth accounts provide the fundamental products and resources that build financial pathways.
Kids Club

It's never too early to teach your children how to save and spend responsibly.
Education Savings

An account created as an incentive to help parents and students save for education expenses.
Health Savings

Individuals and families with high health insurance deductibles can save money on current and future health care expenses with a Goldenwest Credit Union Health Savings Account (HSA).
Individual Retirement

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

The Christmas Club Account is a great way to save for the holidays.
Matrimoney

A Matrimoney wedding registry account gives family and friends a convenient and secure method to give cash gifts to brides and grooms.
Gold Account

The Gold Account is a FREE loyalty savings account given to every member of Goldenwest Credit Union.

Services
Digital

A full suite of digital services to make managing your finances easier
Business

Let Goldenwest help streamline your business from payroll to merchant card processing.
Other

Other perks of being a Goldenwest member — shared branching, skip-a-payment and more

Business
Checking

Manage your company's expenses with a business checking account from Goldenwest
Savings

Keep your business savings secure, close at hand and earning dividends.
Certificates

Certificates or term deposit accounts earn higher dividends than traditional savings accounts and have pre-determined maturity rates
Insured Money Market

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

Individuals and families can save money on expenses with a Goldenwest Credit Union Health Savings Account (HSA)
Business Credit Cards

Business credit cards with low, competitive rates, no annual fees, rewards and cash back options.
Business Services

Let Goldenwest help streamline your business from payroll to merchant card processing.

Vehicle Loans
Auto Loans

Financing your auto loan is quick and easy, whether you're refinancing from another financial institution or purchasing a new or used vehicle.
RV Loans

Whether you’re looking for a compact camper or a luxury motorhome, we’ll help you get the financing you need so you can start exploring sooner.
ATV Loans

Hop on board your next thrill ride with an ATV or UTV loan from Goldenwest Credit Union
Trailer Loans

Haul anything, anywhere – Utility & Cargo Trailers for every job.
Boat Loans

Get off the dock and explore the waters with the help of a Goldenwest boat loan.
Motorcycle Loans

If enjoying the open road on a bike is your idea of the perfect road trip, let Goldenwest Credit Union finance the ride of your life.
Snowmobile Loans

For winter-recreation enthusiasts, there is nothing quite like exploring the back country with family and friends on snowmobiles.
Personal Watercraft Loans

With your personal watercraft, you can explore amazing places that may be difficult to reach by boat or land.

Home Loans
Mortgages

Affordable mortgage loans with competitive rates, flexible terms, and personalized service to help you finance your dream home with confidence and ease.
Construction Loans

Build your dream home with a flexible construction loan—featuring one-time and two-time closing options and streamlined financing from groundbreaking to move-in.
Lot Loans

Finance the site of your future home with a lot loan—featuring low rates, flexible terms, and quick approvals for improved building lots.
Home Equity Line of Credit

Access funds when you need them with a Home Equity Line of Credit—flexible borrowing, low rates, and only pay interest on what you use.
Home Equity Loan Fixed Rate Mortgage

Tap into your home’s equity with a fixed-rate loan—enjoy predictable payments, competitive rates, and funds for home improvements, debt consolidation, or major expenses.
Find a Mortgage Originator

Connect with a local mortgage originator for expert guidance, personalized service, and support through every step of your home financing journey.

Visa Cards
Credit Cards

Low-rate Visa credit cards with rewards or cash back options. Fixed or variable rates available.
Debit Cards

Earn rewards when you use a Goldenwest Debit Card. No annual or transaction fees.
Reloadable Cards

A Visa card that you can load money onto at any time. Use almost anywhere Visa is accepted.
Gift Cards

A prepaid card that can be used everywhere Visa debit cards are accepted.
Business Credit Cards

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

The Goldenwest Business VISA Debit Card gives you the convenience and security of making purchases at millions of merchants worldwide.

Business Loans
Commercial Construction

Whether its an office, a sandwich shop, or a pet grooming business, we can help finance your building.
Real Estate

We can help you acquire property for your business with competitive rates and terms!
Lines of Credit

We offer revolving lines of credit for working capital in your business.
Investment Property

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

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

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

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

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

Other Loans
Share and Certificate Secured Loans

Goldenwest Credit Union members can use funds in their Savings or Certificate accounts to secure loans at a lower rate than many other conventional loans.
Signature Loans

You can use a signature loan for just about anything – cover emergency expenses, pay-off medical bills, finance large purchases, or pay for a special occasion.
Student Loans

Student loans for qualified Utah State University or Weber State University students.

Services
Digital

A full suite of digital services to make managing your finances easier
Business

Let Goldenwest help streamline your business from payroll to merchant card processing.
Other

Other perks of being a Goldenwest member — shared branching, skip-a-payment and more

Financial Wellness
Smart Money

New financial wellness resources each week for the Goldenwest community
Financial Counseling

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

Let us help you navigate your credit journey.

Blogs
Smart Money Blog

Financial tips and money-saving advice from Goldenwest Credit Union
President's Blog

by Kerry Wahlen, President/CEO

FAQ
Search Frequently-Asked Questions

A searchable knowledgebase of answers about Goldenwest products and services.

Fraud
Fraud Prevention

Fraudsters want your personal information, cards, and checks to use this information to gain access to your funds. By following these simple guidelines you can greatly reduce your risk of becoming a victim.
Identity Theft Protection

We live during a time where our identity can be quickly stolen and used to wreck personal financial havoc.
Security

At Goldenwest Credit Union, the security of your online information is important to us.

Seminars
Medicare Seminars

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.

Retirement
Retirement Planning

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

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

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

Wealth
Financial Advisors

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

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

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

Auto
Auto Insurance

Goldenwest Insurance Services has helped hundreds of Goldenwest members save money with significantly reduced insurance premiums on their cars and trucks.
RV Insurance

If your idea of spending time wisely includes wide-open spaces and fresh air, insuring your recreational vehicles with Goldenwest Insurance Services can bring you greater peace of mind.
Motorcycle Insurance

Motorcycle Insurance is a specialized policy designed to protect you, your bike, and your passengers from risks like accidents, theft, and damage.
Boat Insurance

Goldenwest Insurance Services offer Boat and Watercraft Insurance to ensure your peace of mind while you enjoy your time on the water.
Horse Trailer Insurance

Whether you’re heading to a show, the stables, or an emergency vet visit, having the right insurance gives you peace of mind every step of the way.
Powersports Insurance

Experience the thrill of riding your ATV, UTV, side by side, four-wheeler, dirt bike, or snowmobile in the great outdoors. Ensure your peace of mind with Goldenwest Insurance Services.
Utility Trailer Insurance

From hauling equipment and tools to helping with weekend projects, utility trailers are built for hard work. Make sure yours is protected with a specialized insurance policy.
E-Bike Insurance

E-Bike Insurance provides comprehensive coverage tailored to your needs. Ride with confidence and enjoy the journey, knowing your bike is protected.
Umbrella Policies

An umbrella policy will provide additional liability coverage above the limits of your home, auto and RV insurance policies.
Credit Life and Disability Insurance

Protect your family against the unexpected. Credit Insurance may make your loan payments when you can’t.
Quick Quotes

Free Online Insurance Quotes for Auto and Home Insurance
Report a Claim

If you've experienced loss or damage, let us help you in the recovery process.
Find an Agent

Find the right insurance agent for your needs at a convenient location near you

Home
Homeowners Insurance

Protect your home with Goldenwest Insurance Services—reliable, affordable coverage for what matters most.
Flood Insurance

Protect your home and belongings with Flood Insurance.
Natural Disaster Insurance

Our goal is to provide competitive rates and significant savings on premiums, including coverage for floods, earthquakes, landslides, and other unexpected disasters.
Renters Insurance

Renters Insurance covers the personal property and belongings of the tenant, as well as offering liability protection in case of accidents or damages that may occur in the rented space.
Umbrella Policies

An umbrella policy will provide additional liability coverage above the limits of your home, auto and RV insurance policies.
Quick Quotes

Free Online Insurance Quotes for Auto and Home Insurance
Report a Claim

If you've experienced loss or damage, let us help you in the recovery process.
Find an Agent

Find the right insurance agent for your needs at a convenient location near you.

Life
Life Insurance

Life insurance is a security blanket that will continue to cover and protect the most important people in your life, even when you yourself no longer can.

Medicare
Medicare Insurance

Let Goldenwest Licensed Sales Agents Take Care of You
Medicare Licensed Sales Agents

Find a Licensed Sales Agent
Medicare Seminars

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.

Identity Theft
Fraud Defender

With Goldenwest, you can be prepared to recover from identity theft before it happens with Fraud-Defender.

Commercial
Specialties

Let Goldenwest handle all your commercial insurance needs
Coverages

Let Goldenwest handle all your commercial insurance needs
Corporate Health

Choose from our suite of insurance coverage options to provide your employees with a safety net.
Meet the Team

Find a helpful insurance agent from our team of experienced professionals.

Estate Planning
Wills and Trusts

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

Notifications

There are no notifications currently available. Please check back later.

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SMARTStart Checking

Open a SMARTStart Checking Account today as you prepare for a new stage in your life. Learn key concepts of budgeting, earn rewards points with your debit card, transfer money online, and much more.

SMARTStart Checking is the perfect free account for teens and young adults.

Apply Online Open at a Branch

A girl sitting on her bed with her debit card and Laptop

SMARTStart Checking with Visa Debit

Receive a free Goldenwest Credit Union Visa Debit Card when you open a SMARTStart Checking Account to use everywhere Visa is accepted. Set up direct deposit with your employer and begin experiencing the benefits of a SMARTStart Checking Account.

Features and Benefits:

Rewards program
Mobile app
Bill Pay
Surcharge-free access at 30,000 ATMs
No minimum balance requirement
No monthly/annual service fees
Unlimited transactions
Personalize your debit card
Visa cards issued instantly at any branch

Stacks of coins with a plant on top

Savings

Save for a rainy day with a traditional savings account or a term savings account. Open and maintain a traditional savings account with as little as $5. Open a 12-month term savings account to:

Earn dividends on funds
Add money at any time
No monthly service fees
NCUA Insurance

Learn More:

Traditional Savings Account

Term Deposit Account

A blue ribbon with a gold star on it

Pay For Grades

Pay For Grades Middle, Junior High, and High School students can receive $2 for every A and $1 for every B on their quarterly report card!

Learn More