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Goldenwest Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 13, 2026
Goldenwest Federal Credit Union's top rates as of October 13, 2026 are 4.45% APY on its 24 Month CD, 0.05% APY on savings, 5.74% on its 10 Year Mortgage, personal loans from 11.25% APR, and credit cards from 10.49% APR, according to rates verified by MonitorBankRates. Other Goldenwest Federal Credit Union CD rates include 60 Month CD at 4.40%, 36 Month CD at 4.35%, and 48 Month CD at 4.35%. Other Goldenwest Federal Credit Union mortgage rates include 20 Year First Mortgage w/ 5 Year Call at 6.49%, 15 Year First Mortgage w/ 5 Year Call at 6.49%, and 15 Year Fixed VA Mortgage at 6.12%. MonitorBankRates evaluates the financial stability of Goldenwest Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.69%. Rates last updated and verified on 10/13/2026.
Goldenwest Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Goldenwest Federal Credit Union? Share your experience about Goldenwest Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Goldenwest Federal Credit Union.
Goldenwest Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Goldenwest Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
2.69%
ExcellentLower than avg
Goldenwest Federal Credit Union Texas Ratio
Goldenwest Federal Credit Union's Texas Ratio is 2.69%, which is considered excellent and is lower than the national average of 6.13%.
Goldenwest Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.32% to 2.69% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Goldenwest Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
24 Month Certificate
4.36%
4.45%
24 Month
Min Deposit$500
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
Oct 5, 20264.45%▲ from 4.15%
Sep 14, 20264.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
60 Month Certificate
4.31%
4.40%
60 Month
Min Deposit$500
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
Oct 5, 20264.40%▲ from 4.20%
Sep 14, 20264.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
36 Month Certificate
4.27%
4.35%
36 Month
Min Deposit$500
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
Oct 5, 20264.35%▲ from 4.15%
Sep 14, 20264.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
48 Month Certificate
4.27%
4.35%
48 Month
Min Deposit$500
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
Oct 5, 20264.35%▲ from 4.15%
Sep 14, 20264.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
30 Month Certificate
4.22%
4.30%
30 Month
Min Deposit$500
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
Oct 5, 20264.30%▲ from 4.15%
Sep 14, 20264.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
18 Month Certificate
4.07%
4.15%
18 Month
Min Deposit$500
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
Oct 5, 20264.15%▲ from 4.05%
Sep 14, 20264.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
12 Month Certificate
3.98%
4.05%
12 Month
Min Deposit$500
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
Oct 5, 20264.05%▲ from 3.95%
Sep 14, 20263.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
6 Month Certificate
3.93%
4.00%
6 Month
Min Deposit$500
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
Oct 5, 20264.00%▲ from 3.90%
Sep 14, 20263.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
9 Month Certificate
3.93%
4.00%
9 Month
Min Deposit$500
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
Oct 5, 20264.00%▲ from 3.95%
Sep 14, 20263.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
22 Month Special - Plus Free One-time Bump - Discontinued
3.88%
3.95%
22 Month
Min Deposit$500
DetailsFree one-time bump option; discontinued
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Health Savings Account 12-Month Certificate
3.88%
3.95%
12-Month
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.95% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
18 Month Variable Certificate
3.84%
3.91%
18 Month
Min Deposit$50
DetailsVariable rate based on the 91-day Treasury Bill average
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.91% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
3 Month Certificate
3.83%
3.90%
3 Month
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Health Savings Account 6-Month Certificate
3.83%
3.90%
6-Month
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.90% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
12 Month Flex Certificate
3.74%
3.80%
12 Month
Min Deposit$50
DetailsRegular only; maximum $250,000 per account
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.80% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Goldenwest Federal Credit Union Savings Rates
Product
Rate
APY
View More
Christmas Club
0.05%
0.05%
Min Balance$25
DetailsMinimum $25.00 balance required to earn dividend; Rates and terms accurate as of July 28, 2020
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Health Savings Account
0.05%
0.05%
Min Balance$25
DetailsMinimum $25.00 balance required to earn dividend; Rates and terms accurate as of July 28, 2020
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Goldenwest Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
10 Year Mortgage
5.74%
0.000
5.959%
120 months
DetailsAs Low As; Home Equity Loan Fixed Rate Mortgage; first or second mortgage; no closing costs for many loan options
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.96% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
20 Year First Mortgage w/ 5 Year Call
6.49%
0.000
6.614%
240 months
DetailsAs Low As; Home Equity Loan Fixed Rate Mortgage; first or second mortgage; no closing costs for many loan options
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.61% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
15 Year First Mortgage w/ 5 Year Call
6.49%
0.000
6.62%
180 months
DetailsAs Low As; Home Equity Loan Fixed Rate Mortgage; first or second mortgage; no closing costs for many loan options
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.62% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
15 Year Fixed VA Mortgage
6.125%
-
6.666%
15 years
DetailsVA Mortgages; sample: $400,000 loan amount, 25% down payment
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.67% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
15 Year Fixed Loan
6.375%
-
6.681%
15 years
DetailsMortgages; sample: $400,000 loan amount, 25% down payment
Last Updated10/13/2026
Rate History
7 changes since Sep 14, 2026 · 6.39% → 6.68% ▲ 0.29 pts · high 6.80% / low 6.32%
Oct 9, 20266.68%▼ from 6.80%
Oct 5, 20266.80%▲ from 6.68%
Oct 2, 20266.68%▼ from 6.80%
Sep 29, 20266.80%▲ from 6.70%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Mortgages - 15 Year Fixed Loan
6.375%
-
6.681%
DetailsSample: $400,000 loan amount, 25% down payment
Last Updated10/13/2026
Rate History
5 changes since Sep 14, 2026 · 6.39% → 6.68% ▲ 0.29 pts · high 6.80% / low 6.32%
Oct 2, 20266.68%▼ from 6.80%
Sep 29, 20266.80%▲ from 6.70%
Sep 25, 20266.70%▲ from 6.51%
Sep 21, 20266.51%▲ from 6.32%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
20 Year Fixed Loan
6.875%
-
7.143%
20 years
DetailsMortgages; sample: $400,000 loan amount, 25% down payment
Last Updated10/13/2026
Rate History
8 changes since Sep 14, 2026 · 6.87% → 7.14% ▲ 0.27 pts · high 7.38% / low 6.76%
Oct 13, 20267.14%▼ from 7.21%
Oct 9, 20267.21%▼ from 7.36%
Oct 5, 20267.36%▲ from 7.26%
Oct 2, 20267.26%▼ from 7.38%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Mortgages - 20 Year Fixed Loan
6.875%
-
7.143%
DetailsSample: $400,000 loan amount, 25% down payment
Last Updated10/13/2026
Rate History
6 changes since Sep 14, 2026 · 6.87% → 7.14% ▲ 0.27 pts · high 7.38% / low 6.76%
Oct 13, 20267.14%▼ from 7.26%
Oct 2, 20267.26%▼ from 7.38%
Sep 29, 20267.38%▲ from 7.26%
Sep 25, 20267.26%▲ from 7.00%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
20 Year Fixed FHA Mortgage
6.25%
-
7.16%
DetailsSample APR based on $400,000 loan amount, 25% down payment
Last Updated10/13/2026
Rate History
5 changes since Sep 14, 2026 · 6.76% → 7.16% ▲ 0.40 pts · high 7.22% / low 6.76%
Oct 13, 20267.16%▲ from 7.14%
Oct 2, 20267.14%▼ from 7.22%
Sep 29, 20267.22%▲ from 7.16%
Sep 25, 20267.16%▲ from 6.88%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
30 Year Fixed VA Mortgage
6.875%
-
7.166%
30 years
DetailsRate and APR based on a 30 Year Fixed mortgage, $400,000 loan amount, with a 25% down payment
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 6.64% → 7.17% ▲ 0.52 pts · high 7.17% / low 6.64%
Oct 13, 20267.17%▲ from 7.05%
Oct 5, 20267.05%▲ from 6.64%
Sep 14, 20266.64%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
30 Year Fixed Conventional Rate
7.125%
-
7.335%
30 Year
DetailsAs Low As; Conventional Rate; Mortgage
Last Updated10/13/2026
Rate History
4 changes since Sep 29, 2026 · 7.41% → 7.34% ▼ 0.08 pts · high 7.42% / low 7.34%
Oct 13, 20267.34%▼ from 7.41%
Oct 9, 20267.41%▼ from 7.42%
Oct 5, 20267.42%▲ from 7.34%
Oct 2, 20267.34%▼ from 7.41%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Mortgages - 30 Year Fixed Loan
7.125%
-
7.335%
DetailsSample: $400,000 loan amount, 25% down payment
Last Updated10/13/2026
Rate History
5 changes since Sep 14, 2026 · 6.93% → 7.34% ▲ 0.41 pts · high 7.41% / low 6.92%
Oct 2, 20267.34%▼ from 7.41%
Sep 29, 20267.41%▲ from 7.32%
Sep 25, 20267.32%▲ from 6.95%
Sep 21, 20266.95%▲ from 6.92%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
30 Year Fixed FHA Mortgage
6.75%
-
7.466%
DetailsSample APR based on $400,000 loan amount, 25% down payment
Last Updated10/13/2026
Rate History
6 changes since Sep 14, 2026 · 6.98% → 7.47% ▲ 0.49 pts · high 7.49% / low 6.98%
Oct 13, 20267.47%▲ from 7.45%
Oct 2, 20267.45%▼ from 7.49%
Sep 29, 20267.49%▲ from 7.47%
Sep 25, 20267.47%▲ from 7.07%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
15 Year Fixed FHA Mortgage
7.125%
-
8.248%
DetailsSample APR based on $400,000 loan amount, 25% down payment
Last Updated10/13/2026
Rate History
6 changes since Sep 14, 2026 · 7.07% → 8.25% ▲ 1.18 pts · high 8.25% / low 7.07%
Oct 13, 20268.25%▲ from 7.63%
Oct 2, 20267.63%▼ from 7.76%
Sep 29, 20267.76%▲ from 7.65%
Sep 25, 20267.65%▲ from 7.33%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Goldenwest Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit
7.00%
-
7.00%
DetailsNo fees or closing costs on non-purchase loans on a primary residence, under $200,000, and a CLTV under 80%.
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Oct 5, 20267.00%▲ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Goldenwest Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan - 36 Months
-
-
4.99%
36 Months
DetailsAdvertised APR includes 0.25% loan rate discount with Reward Yourself Checking; best rates on new/used vehicle purchases and refinanced loans from other institutions
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
Oct 5, 20264.99%▲ from 4.74%
Sep 14, 20264.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Auto Loan - 60 Months
-
-
5.24%
60 Months
DetailsAdvertised APR includes 0.25% loan rate discount with Reward Yourself Checking; best rates on new/used vehicle purchases and refinanced loans from other institutions
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
Oct 5, 20265.24%▲ from 4.99%
Sep 14, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Auto Loan - 72 Months
-
-
5.49%
72 Months
DetailsAdvertised APR includes 0.25% loan rate discount with Reward Yourself Checking; best rates on new/used vehicle purchases and refinanced loans from other institutions
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
Oct 5, 20265.49%▲ from 5.24%
Sep 14, 20265.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Auto Loan - 84 Months
-
-
6.24%
84 Months
DetailsAdvertised APR includes 0.25% loan rate discount with Reward Yourself Checking; best rates on new/used vehicle purchases and refinanced loans from other institutions
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
Oct 5, 20266.24%▲ from 5.99%
Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Goldenwest Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
RV Loans - 120 Months
-
7.49%
120 Months
DetailsAdvertised APR includes 0.25% loan rate discount with Reward Yourself Checking; Term determined based on dollar amount of loan; Borrower APR based on credit history and eligibility
Last Updated10/13/2026
Rate History
No change since Sep 17, 2026 · 7.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
RV Loans - 72 Months
-
7.49%
72 Months
DetailsAdvertised APR includes 0.25% loan rate discount with Reward Yourself Checking; Term determined based on dollar amount of loan; Borrower APR based on credit history and eligibility
Last Updated10/13/2026
Rate History
No change since Sep 17, 2026 · 7.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
RV Loans - 84 Months
-
7.49%
84 Months
DetailsAdvertised APR includes 0.25% loan rate discount with Reward Yourself Checking; Term determined based on dollar amount of loan; Borrower APR based on credit history and eligibility
Last Updated10/13/2026
Rate History
No change since Sep 17, 2026 · 7.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
RV Loans - 144 Months
-
7.74%
144 Months
DetailsAdvertised APR includes 0.25% loan rate discount with Reward Yourself Checking; Term determined based on dollar amount of loan; Borrower APR based on credit history and eligibility
Last Updated10/13/2026
Rate History
No change since Sep 17, 2026 · 7.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Motorcycle Loans - 72 Months
7.99%
7.99%
72 Months
DetailsTerm determined based on dollar amount of loan
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Motorcycle Loans - 84 Months
8.49%
8.49%
84 Months
DetailsTerm determined based on dollar amount of loan
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Motorcycle Loans - 120 Months
8.74%
8.74%
120 Months
DetailsTerm determined based on dollar amount of loan
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 8.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Motorcycle Loans - 144 Months
8.99%
8.99%
144 Months
DetailsTerm determined based on dollar amount of loan
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Goldenwest Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Credit Cards
-
10.49%
DetailsAs Low As; Variable rate without Rewards
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Goldenwest Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature Loan
11.25%
48 months
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 11.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Goldenwest Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Construction and Lot Loans - 1-Year Balloon
6.24%
-
7.47%
1 year
Details1-year balloon payment; sample: $200,000 loan amount, 20% down payment
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.47% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Construction and Lot Loans - 3-Year Balloon
6.99%
-
7.435%
3 years
Details3-year balloon payment; sample: $200,000 loan amount, 20% down payment
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.44% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Construction Loan
6.25%
-
8.081%
DetailsConstruction and Lot Loans; Sample rates based on assumptions on page
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 8.08% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Improved Building Lot 3-year balloon Loan
6.99%
-
7.435%
3-year
DetailsConstruction and Lot Loans
Last Updated10/13/2026
Rate History
No change since Oct 5, 2026 · 7.44% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Lot Loan Special 1-year balloon
6.24%
-
7.47%
1-year
DetailsConstruction and Lot Loans
Last Updated10/13/2026
Rate History
No change since Oct 5, 2026 · 7.47% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
One-Time Close Construction Loan
6.625%
-
6.768%
30 years
Details30-Year 7/1 Adjustable Rate Mortgage (ARM); Stated rate is as low as 6.625%; Construction and Lot Loans
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.77% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
1 Month Certificate (with checking account)
0.15%
-
0.15%
1 Month
Min Deposit$500
DetailsRate quoted with Goldenwest checking account
Last Updated10/13/2026
Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Primary Shares
0.05%
-
0.05%
Min Balance$25
DetailsMinimum $25.00 balance required to earn dividend; Rates and terms accurate as of July 28, 2020
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Secondary Shares
0.05%
-
0.05%
Min Balance$25
DetailsMinimum $25.00 balance required to earn dividend; Rates and terms accurate as of July 28, 2020
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.69%
Financial Health History
Goldenwest Federal Credit Union’s Texas Ratio rose from 1.32% in Q3 2023 to 2.69% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$4.3B
2.69%
5.0
A+
March 31, 2026
$4.1B
2.32%
5.0
A+
December 31, 2025
$4.0B
2.07%
5.0
A+
September 30, 2025
$3.9B
1.97%
5.0
A+
June 30, 2025
$3.7B
1.82%
5.0
A+
March 31, 2025
$3.7B
1.98%
5.0
A+
December 31, 2024
$3.5B
2.84%
5.0
A+
September 30, 2024
$3.4B
1.51%
5.0
A+
June 30, 2024
$3.3B
1.72%
5.0
A+
March 31, 2024
$3.2B
1.61%
5.0
A+
December 31, 2023
$3.1B
1.58%
5.0
A+
September 30, 2023
$3.1B
1.32%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Goldenwest Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Goldenwest Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Goldenwest Federal Credit Union's official website for the most current offers and terms.
Address
5151 S 400 E,
Washington Terrace, UT 84405
Phone801-337-8300
Fax
PresidentDan Musgrave
CEODavid Butterfield
Full-Time Employees653
Part-Time Employees167
Branch Locations56
ATM Locations45
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.69%
Return on Assets (ROA)
0.7849%
Return on Equity (ROE)
5.9468%
Non-Performing Loans Ratio (NPL)
0.47%
Total Assets
4,332,589,730
Total Amount of Shares and Deposits
3,691,388,433
Total Shares and Deposits < 1 Year
3,364,498,453
Total Shares and Deposits 1 3 Years
221,265,892
Total Shares and Deposits > 3 Years
105,624,089
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
533,914,888
Total Uninsured Shares and Deposits > $250K (F+J)
533,914,888
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,157,473,545
Total Interest Expense (Sum of items 6 8)
45,604,064
Share Certificates
35,306
Number of Accounts for Share Drafts
145,415
IRA KEOGH Accounts
5,089
Number of Accounts for Regular Shares
477,447
All other shares
224
Non Member Deposits
1
Money Market Shares
18,719
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
402,563,830
Total Liabilities
3,749,988,435
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Goldenwest Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Goldenwest Federal Credit Union
How many branches does Goldenwest Federal Credit Union operate?
Goldenwest Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Goldenwest Federal Credit Union?
Yes, to access services at Goldenwest Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Goldenwest Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Goldenwest Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Goldenwest Federal Credit Union offer online and mobile banking?
Most modern institutions like Goldenwest Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.gwcu.org.
Current Goldenwest Federal Credit Union Rates
12-Month CD3.80%
18-Month CD3.91%
24-Month CD4.45%
60-Month CD4.40%
Savings0.05%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
