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 Goldenwest 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 Goldenwest branch or online. Perfect for brides and grooms!