Checking
Savings
Business

Woman holding a Debit card in one hand and shopping bags in another.

With Reward Yourself Checking, earn unlimited rewards points faster plus enjoy loan discounts, appraisal credits, and more valuable member perks.

A teenager holding her debit card while online shopping.

SMARTStart Checking

Members 13-25 years old: Open a free SMARTStart Checking Account, receive up to $250 in incentives, earn rewards on debit card purchases, and level up your money skills. It’s the smart start to spending!

A women handing a grocer her debit card.

SMARTPay Checking

SMARTPay Checking offers free, hassle-free banking with no fees, unlimited debit card rewards, and 24/7 access to online tools, mobile banking, bill pay, and more.

A woman in a blazer holding up her debit card.

Debit Cards

Use your Visa debit card for purchases, ATM cash, or recurring payments—anywhere Visa is accepted. Earn rewards and build savings automatically with Round Up Rewards deposits into your Gold Account.

A women putting money into her piggy bank.

Savings

Open a no-fee Share Savings Account with as little as $5. Earn dividends, enjoy easy access to funds, and make deposits, transfers, and withdrawals anytime.

A gold piggy bank in a sea of pink piggy banks.

Gold Account

The Gold Account is a free, high-yield savings account funded by member loyalty programs and special offer. Enjoy access to funds whenever you like, while earning great returns.

Certificates

Certificates provide higher dividends than savings accounts with terms from 1 month to 5 years. Choose Standard or Flex CDs and enjoy an extra 0.25% dividend boost as a President Club member.

Insured Money Market

The Insured Money Market offers flexible deposits, tiered dividends, no fees, unlimited withdrawals, and NCUA insurance for secure savings growth.

A dad helping his son add money to his piggy bank.

Kids Club

Kickstart smart saving habits with a free Kids Club Savings Account for ages 12 and under. Open with just $5, earn dividends, and enjoy anytime access to funds.

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.

Health Savings

Save on medical expenses with a USU Credit Union HSA—tax-deductible contributions, tax-free withdrawals for qualified expenses, and funds that roll over yearly. Conveniently access your HSA with a Visa debit card.

Education Savings

A Coverdell ESA helps you save for a child’s education. Contributions grow tax-free and can be used for qualified K–12 and college expenses.

A dog in a Santa hat laying in an open suitcase under the Christmas tree.

Christmas Club

Save year-round for the holidays with a Christmas Club Account. Earn dividends and access funds on November 1st. Deposit anytime via payroll, direct deposit, transfers, or in person.

Matrimoney

The Matrimoney account offers a secure, easy way for loved ones to give wedding cash gifts. Open at any USU Credit Union branch or online. Perfect for brides and grooms!

A woman with a credit card pondering finances

Checking

Business checking solutions from USU Credit Union designed to fit every size—simple, secure, and tailored to help your business grow.

Savings

Earn competitive dividends on your NCUA-insured business savings with easy access online, on our app, or at any USU Credit Union branch.

Certificates

Business CDs are a smart way to grow your funds—earn more with a 0.25% rate bump when paired with Business Reward Yourself Checking.

Insured Money Market

Enjoy security and flexibility with an Insured Money Market—deposit anytime and earn higher rates as your balance grows.

Health Savings

Offer your employees valuable benefits with Health Savings Accounts through Goldenwest Health Insurance.

A smiling woman holding a credit card playfully

Business Credit Cards

Fuel your business growth with a USU Credit Union Visa Credit Card—tailored for businesses of all sizes, offering valuable rewards, no annual fee, and smart money-saving features built for success.

A small team of smiling business professionals

Business Services

Let USU Credit Union help streamline your business from payroll to merchant card processing.

Vehicle Loans
Home Loans
Visa Cards
Business Loans
Other Loans

A women sitting on the edge of the trunk of her SUV.

Auto Loans

Take the wheel on your new ride with a low-interest auto loan with flexible terms, no fees, and fast approval—new, used, or refinance with Goldenwest.

RV Loans

Start your journey with an RV loan from USU Credit Union—great rates, flexible terms up to 144 months, and no fees.

ATV Loans

Conquer the trails with a no-hassle ATV loan from USU Credit Union—low rates, flexible terms up to 144 months, and no fees.

A long utility trailer being pulled by a white pickup.

Trailer Loans

Haul more and worry less when you finance new or used utility and cargo trailers with USU Credit Union—low rates, no fees, and terms up to 72 months.

Boat Loans

Make waves with a USU Credit Union boat loan—low rates, flexible terms up to 144 months, and no fees.

A close up of someone riding a motorcycle.

Motorcycle Loans

Kickstart your adventure on the open road with a USU Credit Union motorcycle loan—low rates, flexible terms up to 144 months, and no fees.

A snowmobile riding up over a snowy hill.

Snowmobile Loans

Enjoy the greatest snow on earth with a USU Credit Union snowmobile loan—low rates, flexible terms up to 144 months, and an easy application process.

A women driving a personal watercraft on a lake.

Personal Watercraft Loans

Explore the water your way with a USU Credit Union personal watercraft loan—low rates, flexible terms up to 144 months, and no fees.

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

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.

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

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.

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.

A women holding her credit card in one hand and her shopping bags in another.

Credit Cards

Power up your spending with a Visa credit card from USU Credit Union—featuring no annual fee, low rates, exciting rewards, cash-back perks, and smart features that work for your lifestyle.

A close up of a debit card held by a man in a suit.

Debit Cards

Experience the convenience and value of a USU Credit Union Visa debit card—seamlessly linked to your checking account, and loaded with rewards. Opt-in to Debit Round Up Rewards and save effortlessly!

A smiling women holding a USU Credit Union reloadable card.

Reloadable Cards

Enjoy the power of Visa—no checking account or credit check required! Instantly available at branches, and reloadable via direct deposit or any USU Credit Union location.

A smiling women showing off her gift card.

Gift Cards

Give the gift of choice with a Visa Gift Card—perfect for any occasion! Available at all USU Credit Union branches in amounts from $10 to $1,000.

A women wearing a blazer holding a USU Credit Union Business Credit Card

Business Credit Cards

Fuel your business growth with a USU Credit Union Visa Credit Card—tailored for businesses of all sizes, offering valuable rewards, no annual fee, and smart money-saving features built for success.

Business Debit Card

Access your business funds worldwide with the USU Credit Union Business Visa Debit Card—no fees, high daily limits, overdraft protection, instant issue, and trusted Visa security for seamless spending.

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

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.

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

Equipment

USU Credit Union can provide financing for vehicles and other equipment for your business

A small business owner outside her shop, smiling

SBA

USU Credit Union has partnered with the Small Business Administration to provide businesses with financing

A row of white delivery vans outside a shipping center

Fleet

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

A women wearing a blazer holding her USU Credit Union Business Credit Card.

Business Credit Cards

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

Business Auto Loans

Drive Your Business Forward with a Business Auto Loan

Share and Certificate Secured Loans

USU Credit Union members can secure low-rate loans using Savings or Certificates with low rates for nearly any need.

A hand holding neon money bags and coins

Signature Loans

Borrow confidently with a USU Credit Union Signature Loan—no collateral or application fee, competitive rates, and flexible use for emergencies, purchases, or special occasions.

A smiling student in front of a library bookshelf.

Student Loans

Unlock your future with student loans designed exclusively for qualified Utah State and Weber State University students—flexible, supportive, and tailored to help you succeed!

Financial Wellness
Blogs
FAQ
Fraud
Seminars

Smart Money

USU Credit Union Smart Money empowers your journey to financial freedom—set goals, track progress, unlock rewards, and master money skills. Start building a brighter financial future today!

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.

Credit Journey

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.

A backpacking couple looking over an expansive mountain vista.

Smart Money Blog

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

President's Blog

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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Search Frequently-Asked Questions

Explore our smart, searchable knowledgebase—your go-to hub for quick answers and helpful insights on all things USU Credit Union products and services. Find what you need in seconds!

Fraud Prevention

Protect your accounts and identity with smart fraud prevention tips. Learn how to spot threats, secure your info, and stay one step ahead of scammers.

A graphic image of a fingerprint on a scanner.

Identity Theft Protection

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.

Someone putting their username and password into their laptop.

Security

At USU Credit Union, 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.

An older couple smiling as they look at their laptop.

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.

Wealth

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.

Certificate Accounts

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

Insured Money Market Account

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

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Individual Retirement Account

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

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

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 woman leaning out the driver window of her car.

Auto Insurance

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

RV Insurance

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

Motorcycle Insurance

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.

Boat Insurance

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.

A horse looking sticking his head out the back of a horse trailer.

Horse Trailer Insurance

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.

Powersports Insurance

Experience the thrill of outdoor riding with ATV, UTV, or snowmobile insurance from Goldenwest. Get peace of mind, a great quote, and discounts—so you can focus on the adventure ahead.

Utility Trailer Insurance

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.

A couple riding their E-Bikes in the mountains.

E-Bike Insurance

Ride worry-free with Goldenwest’s e-bike insurance—comprehensive coverage tailored for outdoor enthusiasts. Protect your ride, enjoy the trails, and explore with confidence.

A daughter running to hug her dad who just arrived home.

Quick Quotes

Get credit union insurance rates with Goldenwest—free Quick Quotes, customized policies, exclusive discounts, and local agents. We shop for you, saving members up to 35% on insurance in minutes.

Report a Claim

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 an Agent

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

Homeowners Insurance

Protect your home with Goldenwest Insurance—affordable coverage, local agents, and discounts for multiple policies. Get a free quote and bundle with your mortgage, all in one place.

A home with a flood receding right in front of it.

Flood Insurance

Protect your home from costly flood damage. Goldenwest Insurance offers competitive coverage and savings—because most Utah homes face greater flood risk than fire, and standard policies don’t cover it.

Natural Disaster Insurance

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.

Renters Insurance

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.

A daughter running to hug her father who just returned home.

Quick Quotes

Get credit union insurance rates with Goldenwest—free Quick Quotes, customized policies, exclusive discounts, and local agents. We shop for you, saving members up to 35% on insurance in minutes.

A women filling out a report on her laptop.

Report a Claim

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 an Agent

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

Life Insurance

Protect the ones you love—life insurance provides security and peace of mind for your family, even after you're gone.

Medicare Insurance

USU Credit Union offers Medicare guidance for members. Our qualified sales agents help you understand coverage, choose a plan, and sign up—so you get the care and support you need.

An older couple meeting with a man in a suit.

Medicare Licensed Sales Agents

Our experienced Medicare agents provide personalized guidance to help you understand coverage options, choose the right plan, and enroll with confidence—making Medicare simple and stress-free.

An older couple smiling looking at their laptop.

Medicare Seminars

Let’s talk Medicare—USU Credit Union hosts seminars with licensed sales agents to answer your questions and help you feel confident in choosing the plan that’s right for you.

Fraud Defender

Identity theft affects millions each year. Be prepared with USU Credit Union Fraud-Defender—proactive protection and recovery support before identity theft strikes.

Smiling Golden Retriever enjoying a visit to the vet.

Pet Insurance

Goldenwest Insurance Services works with top-rated insurance providers to help you find a pet insurance policy designed to protect against unexpected veterinary costs.

A mom holding an umbrella for both her and her daughter in the rain.

Umbrella Policies

Prepare for the unexpected with an umbrella policy—extra liability protection that safeguards your assets beyond home, auto, and RV insurance limits, securing your future from major claims or lawsuits.

Credit Life and Disability Insurance

Protect your family and loan payments with Credit Insurance—covering unexpected disability or life events to ease financial burdens and give you peace of mind for tomorrow.

Quick Quotes

Get credit union insurance rates with Goldenwest—free Quick Quotes, customized policies, exclusive discounts, and local agents. We shop for you, saving members up to 35% on insurance in minutes.

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.

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Specialties

Let Goldenwest handle all your commercial insurance needs

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Coverages

Let Goldenwest handle all your commercial insurance needs

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Meet the Team

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

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.

Digital Services
Business Services
Other Services
Vehicle Auctions

A woman with a laptop on her bed making a financial transaction in a bright sunlit room.

Digital Banking

Free access to online banking anytime, anywhere.

A closeup of some hands using a phone at a cafe over a laptop.

Bill Pay

With online bill pay, you can send payments to almost any company in the U.S.

A closeup of a phone taking a photo of a check.

Check Deposit

Mobile deposit allows members to deposit checks into their account from the convenience of their Apple or Android mobile phone.

A young woman on her couch using mobile banking on her phone.

eStatements

Get your statements sooner and more securely with eStatements.

A stylized image of a hand behind some floating icons of a cloud, shield, and envelope.

eAlerts

USU Credit Union eAlerts are electronic notifications about activity on your account.

A young man and young woman standing side by side with comically excited smiles as they use their phones.

Peer-To-Peer Payments (P2P)

Send money electronically to anyone, anytime at any financial institution or bank using our bill pay payment service in the mobile app.

A young woman with a credit card and phone in her hand while using a laptop in front of a large window.

Mobile Wallet

Now you can enjoy the convenience of your USU Credit Union Visa Cards using Apple Pay, Google Pay and Samsung Pay with your Smartphone.

A smiling father and son putting coins into a pink piggy bank together.

Budgeting Tools

Track your expenses and spending habits with our budgeting and online financial wellness tools.

A woman on the street with some new purchases in one hand and a phone in the other.

Mobile App

Manage your money anywhere you have your smart phone with the USU Credit Union Mobile Banking App for Android and iPhone.

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Ready Pay

Members can now make instant loan payments at USU Credit Union with a checking account or debit card from another institution using our ReadyPay service.

A stylized graphic of a person in a suit behind a floating padlock security icon.

Card Control

Beyond managing your money with online banking and our mobile app, you can access the functionality of your Visa cards with Card Controls.

Fico Scores

Get your FICO® Score for FREE. Reviewing your FICO score can help you learn how lenders view your credit risk.

A business owner on the phone in a dimly lit shipping room.

Audio Branch

The audio branch is a user-friendly phone system that allows members to check balances, make transfers, review account history, and much more.

A man in a large city smiling as he uses his phone to check his financial accounts while standing on the street.

Text Services

You can opt-in to receive text messages for updates on events and promotional offers on USU Credit Union's products and services.

A customer's hand making a contactless purchase with a credit card at a coffee shop register.

Merchant Services

Accept card payments with ease—USU Credit Union offers affordable, secure processing solutions for businesses of all sizes and industries.

A closeup of a man in a tie signing a document with a metal pen.

Business Remote Deposit

Save time and money with Goldenwest Business Remote Deposit—scan unlimited checks anytime from your office with free software and a low, flat monthly fee.

A phone, pen, and sticky-note pad carfully placed next to a laptop

Business Bill Pay

Streamline accounts payable with secure, customizable business bill pay—schedule payments, manage payroll, and integrate with QuickBooks or Quicken.

A man and woman high-fiving each other inside their modern new business.

Payroll

Simplify payroll with ACH Origination—pay contractors fast with same-day processing, file imports, and customizable limits, all through an easy online portal.

A woman explaining a document to a married couple.

Merchant Lending

Offer your customers easy financing with Merchant Lending—secure QR code applications, low rates, and fast funding deposited directly into your business account.

A stylized graphic of hands using a tablet behind floating icons of email and security.

Positive Pay

Protect your business with Positive Pay—detect fraud, control transactions, and safeguard your cash flow with enhanced account security.

A man in a corner office carefully scrutinizing his laptop

Online Wires

Send business funds quickly with Online Wires—secure, hassle-free transfers with admin control and dual-authorization for just $15 per wire.

A smiling team of business professionals standing in a line

Meet the Team

Connect with a local Business Services Expert to support and grow your business with personalized guidance.

A closeup of two hands holding a fanned collection of dollar bills.

Overdraft Protection

As a convenience to our checking account members, USU Credit Union offers an overdraft protection program named "Courtesy Pay".

A happy red-headed couple at home using a tablet to plan their finances.

Financial Counseling

GreenPath financial counseling offers free credit report review, debt management planning, and online courses.

Safe Deposit Box

Keep your valuables or important documents safe and secure in a USU Credit Union vault with a safe deposit box.

A graphic of money flowing between two toy financial institution tiles.

Shared Branches

No matter where you are in the country, your nearest credit union branch is never far away.

A closeup of a calculator and a handwritten check balancing ledger.

Check Services

Manage your checks from the convenience of the USU Credit Union online branch.

A man in overalls and a toolbelt resting in a hammock on a fall day.

Skip-a-Payment

Sometimes you just need to take a break from your loan payments. With USU Credit Union’s Skip-a-Payment, you can do just that.

A woman smiling with her arms resting on the sill of her car window.

Guaranteed Asset Protection

Our GAP program may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan.

Repossessed Vehicles

USU Credit Union sells repossessed vehicles to the public including cars, trucks, motorcycles, ATVs, RVs and trailers.

Checking
Reward Yourself Checking

With Reward Yourself Checking, earn unlimited rewards points faster plus enjoy loan discounts, appraisal credits, and more valuable member perks.
SMARTStart Checking

Members 13-25 years old: Open a free SMARTStart Checking Account, receive up to $250 in incentives, earn rewards on debit card purchases, and level up your money skills. It’s the smart start to spending!
SMARTPay Checking

SMARTPay Checking offers free, hassle-free banking with no fees, unlimited debit card rewards, and 24/7 access to online tools, mobile banking, bill pay, and more.
Debit Cards

Use your Visa debit card for purchases, ATM cash, or recurring payments—anywhere Visa is accepted. Earn rewards and build savings automatically with Round Up Rewards deposits into your Gold Account.

Savings
Savings

Open a no-fee Share Savings Account with as little as $5. Earn dividends, enjoy easy access to funds, and make deposits, transfers, and withdrawals anytime.
Gold Account

The Gold Account is a free, high-yield savings account funded by member loyalty programs and special offer. Enjoy access to funds whenever you like, while earning great returns.
Certificates

Certificates provide higher dividends than savings accounts with terms from 1 month to 5 years. Choose Standard or Flex CDs and enjoy an extra 0.25% dividend boost as a President Club member.
Insured Money Market

The Insured Money Market offers flexible deposits, tiered dividends, no fees, unlimited withdrawals, and NCUA insurance for secure savings growth.
Kids Club

Kickstart smart saving habits with a free Kids Club Savings Account for ages 12 and under. Open with just $5, earn dividends, and enjoy anytime access to funds.
Individual Retirement

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

Save on medical expenses with a USU Credit Union HSA—tax-deductible contributions, tax-free withdrawals for qualified expenses, and funds that roll over yearly. Conveniently access your HSA with a Visa debit card.
Education Savings

A Coverdell ESA helps you save for a child’s education. Contributions grow tax-free and can be used for qualified K–12 and college expenses.
Christmas Club

Save year-round for the holidays with a Christmas Club Account. Earn dividends and access funds on November 1st. Deposit anytime via payroll, direct deposit, transfers, or in person.
Matrimoney

The Matrimoney account offers a secure, easy way for loved ones to give wedding cash gifts. Open at any USU Credit Union branch or online. Perfect for brides and grooms!

Business
Checking

Business checking solutions from USU Credit Union designed to fit every size—simple, secure, and tailored to help your business grow.
Savings

Earn competitive dividends on your NCUA-insured business savings with easy access online, on our app, or at any USU Credit Union branch.
Certificates

Business CDs are a smart way to grow your funds—earn more with a 0.25% rate bump when paired with Business Reward Yourself Checking.
Insured Money Market

Enjoy security and flexibility with an Insured Money Market—deposit anytime and earn higher rates as your balance grows.
Health Savings

Offer your employees valuable benefits with Health Savings Accounts through Goldenwest Health Insurance.
Business Credit Cards

Fuel your business growth with a USU Credit Union Visa Credit Card—tailored for businesses of all sizes, offering valuable rewards, no annual fee, and smart money-saving features built for success.
Business Services

Let USU Credit Union help streamline your business from payroll to merchant card processing.

Vehicle Loans
Auto Loans

Take the wheel on your new ride with a low-interest auto loan with flexible terms, no fees, and fast approval—new, used, or refinance with Goldenwest.
RV Loans

Start your journey with an RV loan from USU Credit Union—great rates, flexible terms up to 144 months, and no fees.
ATV Loans

Conquer the trails with a no-hassle ATV loan from USU Credit Union—low rates, flexible terms up to 144 months, and no fees.
Trailer Loans

Haul more and worry less when you finance new or used utility and cargo trailers with USU Credit Union—low rates, no fees, and terms up to 72 months.
Boat Loans

Make waves with a USU Credit Union boat loan—low rates, flexible terms up to 144 months, and no fees.
Motorcycle Loans

Kickstart your adventure on the open road with a USU Credit Union motorcycle loan—low rates, flexible terms up to 144 months, and no fees.
Snowmobile Loans

Enjoy the greatest snow on earth with a USU Credit Union snowmobile loan—low rates, flexible terms up to 144 months, and an easy application process.
Personal Watercraft Loans

Explore the water your way with a USU Credit Union personal watercraft loan—low rates, flexible terms up to 144 months, and no fees.

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

Power up your spending with a Visa credit card from USU Credit Union—featuring no annual fee, low rates, exciting rewards, cash-back perks, and smart features that work for your lifestyle.
Debit Cards

Experience the convenience and value of a USU Credit Union Visa debit card—seamlessly linked to your checking account, and loaded with rewards. Opt-in to Debit Round Up Rewards and save effortlessly!
Reloadable Cards

Enjoy the power of Visa—no checking account or credit check required! Instantly available at branches, and reloadable via direct deposit or any USU Credit Union location.
Gift Cards

Give the gift of choice with a Visa Gift Card—perfect for any occasion! Available at all USU Credit Union branches in amounts from $10 to $1,000.
Business Credit Cards

Fuel your business growth with a USU Credit Union Visa Credit Card—tailored for businesses of all sizes, offering valuable rewards, no annual fee, and smart money-saving features built for success.
Business Debit Card

Access your business funds worldwide with the USU Credit Union Business Visa Debit Card—no fees, high daily limits, overdraft protection, instant issue, and trusted Visa security for seamless spending.

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

USU Credit Union can provide financing for vehicles and other equipment for your business
SBA

USU Credit Union 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.
Business Auto Loans

Drive Your Business Forward with a Business Auto Loan

Other Loans
Share and Certificate Secured Loans

USU Credit Union members can secure low-rate loans using Savings or Certificates with low rates for nearly any need.
Signature Loans

Borrow confidently with a USU Credit Union Signature Loan—no collateral or application fee, competitive rates, and flexible use for emergencies, purchases, or special occasions.
Student Loans

Unlock your future with student loans designed exclusively for qualified Utah State and Weber State University students—flexible, supportive, and tailored to help you succeed!

Financial Wellness
Smart Money

USU Credit Union Smart Money empowers your journey to financial freedom—set goals, track progress, unlock rewards, and master money skills. Start building a brighter financial future today!
Financial Counseling

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

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.

Blogs
Smart Money Blog

Smart tips, expert advice, and powerful tools to help you thrive—achieve financial success at every stage of life with USU Credit Union by your side as your trusted financial partner.
President's Blog

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.

FAQ
Search Frequently-Asked Questions

Explore our smart, searchable knowledgebase—your go-to hub for quick answers and helpful insights on all things USU Credit Union products and services. Find what you need in seconds!

Fraud
Fraud Prevention

Protect your accounts and identity with smart fraud prevention tips. Learn how to spot threats, secure your info, and stay one step ahead of scammers.
Identity Theft Protection

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.
Security

At USU Credit Union, 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.

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.

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 Account

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

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

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

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

Auto
Auto Insurance

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

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

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.
Boat Insurance

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.
Horse Trailer Insurance

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.
Powersports Insurance

Experience the thrill of outdoor riding with ATV, UTV, or snowmobile insurance from Goldenwest. Get peace of mind, a great quote, and discounts—so you can focus on the adventure ahead.
Utility Trailer Insurance

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.
E-Bike Insurance

Ride worry-free with Goldenwest’s e-bike insurance—comprehensive coverage tailored for outdoor enthusiasts. Protect your ride, enjoy the trails, and explore with confidence.
Quick Quotes

Get credit union insurance rates with Goldenwest—free Quick Quotes, customized policies, exclusive discounts, and local agents. We shop for you, saving members up to 35% on insurance in minutes.
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—affordable coverage, local agents, and discounts for multiple policies. Get a free quote and bundle with your mortgage, all in one place.
Flood Insurance

Protect your home from costly flood damage. Goldenwest Insurance offers competitive coverage and savings—because most Utah homes face greater flood risk than fire, and standard policies don’t cover it.
Natural Disaster Insurance

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.
Renters Insurance

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.
Quick Quotes

Get credit union insurance rates with Goldenwest—free Quick Quotes, customized policies, exclusive discounts, and local agents. We shop for you, saving members up to 35% on insurance in minutes.
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

Protect the ones you love—life insurance provides security and peace of mind for your family, even after you're gone.

Medicare
Medicare Insurance

USU Credit Union offers Medicare guidance for members. Our qualified sales agents help you understand coverage, choose a plan, and sign up—so you get the care and support you need.
Medicare Licensed Sales Agents

Our experienced Medicare agents provide personalized guidance to help you understand coverage options, choose the right plan, and enroll with confidence—making Medicare simple and stress-free.
Medicare Seminars

Let’s talk Medicare—USU Credit Union hosts seminars with licensed sales agents to answer your questions and help you feel confident in choosing the plan that’s right for you.

Other
Fraud Defender

Identity theft affects millions each year. Be prepared with USU Credit Union Fraud-Defender—proactive protection and recovery support before identity theft strikes.
Pet Insurance

Goldenwest Insurance Services works with top-rated insurance providers to help you find a pet insurance policy designed to protect against unexpected veterinary costs.
Umbrella Policies

Prepare for the unexpected with an umbrella policy—extra liability protection that safeguards your assets beyond home, auto, and RV insurance limits, securing your future from major claims or lawsuits.
Credit Life and Disability Insurance

Protect your family and loan payments with Credit Insurance—covering unexpected disability or life events to ease financial burdens and give you peace of mind for tomorrow.
Quick Quotes

Get credit union insurance rates with Goldenwest—free Quick Quotes, customized policies, exclusive discounts, and local agents. We shop for you, saving members up to 35% on insurance in minutes.
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.

Commercial
Specialties

Let Goldenwest handle all your commercial insurance needs
Coverages

Let Goldenwest handle all your commercial insurance needs
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.

Employee Benefits
Corporate Health

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

Digital Services
Digital Banking

Free access to online banking anytime, anywhere.
Bill Pay

With online bill pay, you can send payments to almost any company in the U.S.
Check Deposit

Mobile deposit allows members to deposit checks into their account from the convenience of their Apple or Android mobile phone.
eStatements

Get your statements sooner and more securely with eStatements.
eAlerts

USU Credit Union eAlerts are electronic notifications about activity on your account.
Peer-To-Peer Payments (P2P)

Send money electronically to anyone, anytime at any financial institution or bank using our bill pay payment service in the mobile app.
Mobile Wallet

Now you can enjoy the convenience of your USU Credit Union Visa Cards using Apple Pay, Google Pay and Samsung Pay with your Smartphone.
Budgeting Tools

Track your expenses and spending habits with our budgeting and online financial wellness tools.
Mobile App

Manage your money anywhere you have your smart phone with the USU Credit Union Mobile Banking App for Android and iPhone.
Ready Pay

Members can now make instant loan payments at USU Credit Union with a checking account or debit card from another institution using our ReadyPay service.
Card Control

Beyond managing your money with online banking and our mobile app, you can access the functionality of your Visa cards with Card Controls.
Fico Scores

Get your FICO® Score for FREE. Reviewing your FICO score can help you learn how lenders view your credit risk.
Audio Branch

The audio branch is a user-friendly phone system that allows members to check balances, make transfers, review account history, and much more.
Text Services

You can opt-in to receive text messages for updates on events and promotional offers on USU Credit Union's products and services.

Business Services
Merchant Services

Accept card payments with ease—USU Credit Union offers affordable, secure processing solutions for businesses of all sizes and industries.
Business Remote Deposit

Save time and money with Goldenwest Business Remote Deposit—scan unlimited checks anytime from your office with free software and a low, flat monthly fee.
Business Bill Pay

Streamline accounts payable with secure, customizable business bill pay—schedule payments, manage payroll, and integrate with QuickBooks or Quicken.
Payroll

Simplify payroll with ACH Origination—pay contractors fast with same-day processing, file imports, and customizable limits, all through an easy online portal.
Merchant Lending

Offer your customers easy financing with Merchant Lending—secure QR code applications, low rates, and fast funding deposited directly into your business account.
Positive Pay

Protect your business with Positive Pay—detect fraud, control transactions, and safeguard your cash flow with enhanced account security.
Online Wires

Send business funds quickly with Online Wires—secure, hassle-free transfers with admin control and dual-authorization for just $15 per wire.
Meet the Team

Connect with a local Business Services Expert to support and grow your business with personalized guidance.

Other Services
Overdraft Protection

As a convenience to our checking account members, USU Credit Union offers an overdraft protection program named "Courtesy Pay".
Financial Counseling

GreenPath financial counseling offers free credit report review, debt management planning, and online courses.
Safe Deposit Box

Keep your valuables or important documents safe and secure in a USU Credit Union vault with a safe deposit box.
Shared Branches

No matter where you are in the country, your nearest credit union branch is never far away.
Check Services

Manage your checks from the convenience of the USU Credit Union online branch.
Skip-a-Payment

Sometimes you just need to take a break from your loan payments. With USU Credit Union’s Skip-a-Payment, you can do just that.
Guaranteed Asset Protection

Our GAP program may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan.

Vehicle Auctions
Repossessed Vehicles

USU Credit Union sells repossessed vehicles to the public including cars, trucks, motorcycles, ATVs, RVs and trailers.

Notifications

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Angelika Padilla

Mortgage Originator

I started my career with Goldenwest Credit Union in 2007 as a teller, and have since worked as a New Accounts Specialist, New Accounts Trainer, and Assistant Branch Manager. Currently, I manage the West Ogden office on Pennsylvania Ave., where I help members save money on mortgage loans and insurance services. I have been married to my husband since 2008, and we share two handsome boys who keep us busy! In my spare time, I enjoy watching my kids play sports, and exploring new places to visit. If you are looking for a mortgage provider you can trust, look no further! Contact me to learn about our many flexible loan options.

USU Credit Union Mortgage Specialists

USU Credit Union mortgage specialists handle a wide variety of loans including mortgages, lot loans, construction loans, and refinances. Reach out to experience their professionalism first-hand!

Apply Now

Home Loan

Let Angelika Padilla help you with a home loan.

Apply now
Refinance Loan

Let Angelika Padilla help you with a refinance loan.

Apply now
Construction Loan

Let Angelika Padilla help you with a construction loan.

Apply now
Lot Loan

Let Angelika Padilla help you with a lot loan.

Apply now
First Time Homebuyer Loan

Let Angelika Padilla help you with a first time homebuyer loan.

Apply now

Call me directly

801-786-8473

Visit my office

3217 Pennsylvania Ave

Ogden, UT

Location Details & Hours