Credit union · NCUA insured
Goldenwest Credit Union Savings Rates
Top CarrotGoldenwest Credit Union’s best savings rate is 1.25% APY on $10,000, with its Insured Money Market Account. Rates checked October 22, 2026.
How Goldenwest Credit Union’s savings rates compare
Compared with banks and credit unions near Ogden, UT, where Goldenwest Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Goldenwest Credit Union
1.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $125
Insured Money Market Account
Top rate
Deseret First Credit Union
4.10%APY
- Minimum
- $5
- Earns on $10,000 a year
- $410
2nd-highest rate
America First Credit Union
3.95%APY
- Minimum
- $0
- Earns on $10,000 a year
- $395
Goldenwest Credit Union savings score
87
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0002.65%
- QualifiedQualified1.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Goldenwest Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Gold Account
6.00%APY
Free loyalty savings account given to every member. Funded only by Golden Rewards Loyalty Bonus, Round Up Rewards, Visa Cash Back, or promotional cash incentive offers; members cannot add additional funds outside of these rewards. Withdrawals/transfers allowed anytime.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunded only through credit union member loyalty programs, round-up rewards, credit card cash back, and promotional offers.Any balance | 6.00% | $600 | Funded only through credit union member loyalty programs, round-up rewards, credit card cash back, and promotional offers. |
Insured Money Market Account
1.25%APY
No minimum balance requirement to open or maintain. Dividend earnings based on tiered balance amounts. Add money at any time. No monthly service fee. Unlimited in-person withdrawals. Federally insured by NCUA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $4,999 | 1.00% | — |
| $5,000 – $24,999 | 1.25% | $125 |
| $25,000 – $49,999 | 1.70% | — |
| $50,000 – $99,999 | 2.00% | — |
| $100,000 – $249,999 | 2.65% | — |
| $250,000 – $499,999 | 3.30% | — |
| $500,000 – $999,999 | 3.35% | — |
| $1,000,000 and up | 3.75% | — |
Sources (2)
- gwcu.org/save/savings/insured-money-market-account
- gwcu.org/save/savings/insured-money-market-account-rates
All captured Oct 22, 2026
Primary Shares
0.05%APY
Share savings account included with membership. No monthly service fees; must maintain a $5 minimum balance to keep account open. Balances greater than $25 earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum $25.00 balance required to earn dividend. $5 minimum balance required to open and keep account open.$25 and up | 0.05% | $5 | Minimum $25.00 balance required to earn dividend. $5 minimum balance required to open and keep account open. |
Sources (3)
- gwcu.org/save/savings
- gwcu.org/save/savings/savings-account
- gwcu.org/save/savings/savings-account-rates
All captured Sep 16, 2026
Secondary Shares
0.05%APY
Additional savings account with no minimum balance requirements to save for specific purposes. Balances greater than $25 earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum $25.00 balance required to earn dividend.$25 and up | 0.05% | $5 | Minimum $25.00 balance required to earn dividend. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Christmas Club Account
0.05%APY
Holiday savings account. No limits on deposits. On November 1st all funds plus accrued interest are transferred to the primary share account. Dividends/interest paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum $25.00 balance required to earn dividend. Funds transfer to primary share account on November 1st.$25 and up | 0.05% | $5 | Minimum $25.00 balance required to earn dividend. Funds transfer to primary share account on November 1st. |
Sources (3)
- gwcu.org/save/savings
- gwcu.org/save/savings/christmas-club-account
- gwcu.org/save/savings/savings-account-rates
All captured Sep 16, 2026
Health Savings Account (HSA)
0.05%APY
For individuals and families with high-deductible health plans to save for qualified medical expenses. Accessible via Visa debit card and checks. Debit card has no annual fee and no transaction fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum $25.00 balance required to earn dividend. Debit card has no annual fee.$25 and up | 0.05% | $5 | Minimum $25.00 balance required to earn dividend. Debit card has no annual fee. |
Who can join Goldenwest Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.