Student Essentials

Are you a student living on a tight budget? If you’re between the ages of 13 and 25, sign-up for Goldenwest’s Student Essentials program. We’ll take care of you, so you can focus on your education.

Student Savings

  • Open and maintain a savings account with as little as $5*
  • Online and mobile account access
  • eStatements and eAlerts
  • Earn dividends on balances greater than $25
  • No monthly/annual service fees

Student Checking with VISA Debit*

Open a student checking account and receive a $25 deposit** from Goldenwest.

  • VISA debit card**
  • VISA Rewards credit card***
  • Debit Card Rewards
  • Online and mobile account access
  • Online and mobile bill pay
  • Mobile deposit
  • eStatements and eAlerts
  • Free access at 30,000 ATMs nationwide
  • No monthly/annual service fees
  • No minimum balance requirement
  • Free box of checks upon account opening
  • Unlimited transactions
  • Earn dividends on balances greater than $500
  • VISA cards issued instantly at most branches

Flex CD

  • Earn higher dividends on funds
  • Minimum $50 to earn dividend
  • Add money at any time
  • Penalty-free withdrawals the first three business days of each quarter
  • 12-month term
  • NCUA Insurance

First-Time Auto Loan

You’re in the driver’s seat with your education and your first auto loan. We’ll get you the best rate possible for your new ride to school, even if you don’t have an established credit history. Plus, we’ll include everything that comes with our student checking package... absolutely free!

VISA Credit Cards***

You may need a credit card to help pay for class fees and books. Using a credit card responsibly can help pay for expenses and establish your credit score. Goldenwest offers students a VISA Rewards credit card with up to a $500 limit. VISA cards are issued instantly at most branches.

Coverdell Education Savings Account

A Coverdell Education Savings Account (ESA) is an account created to help parents and young students save for future education expenses.

The total contributions cannot be more than $2,000 in any year. The beneficiary must be someone who is under age 18 or has special needs. Contributions to a Coverdell ESA are not tax deductible, but amounts deposited in the account grow tax free until distributed. The beneficiary will not owe tax on the distributions if they are less than a beneficiary’s qualified education expenses at an eligible institution.

This benefit applies to qualified higher education expenses as well as to qualified elementary and secondary education expenses.

Identity Theft Protection and Credit Monitoring

Goldenwest offers our members "Fraud-Defender", a fully managed identity theft recovery service. If your identity is stolen, a personal advocate will do all of the recovery work on your behalf. Your personal advocate will be there for you until your identity is restored to its pre-theft condition.

There is a low monthly fee depending on the number of family members you wish to enroll in the program. Fraud-Defender is also available with an optional credit monitoring feature.


If you’ve met your perfect match on campus, Goldenwest can help spread the love with a MatriMoney wedding registry account.

A MatriMoney gives family and friends a convenient and secure method to give cash gifts to brides and grooms. Members can open a MatriMoney account at any Goldenwest branch or online at When you open a MatriMoney account, you’ll enjoy:

  • Free wedding registry cards for your announcements and invitations
  • No minimum balance requirement to earn dividends
  • No monthly service fee
  • Make deposits, withdrawals or transfers at any time

*Students under age 18 will need a parent and/or qualified joint owner on the account

**Minimum $100 opening deposit and debit card required to receive $25 deposit. Offer valid on new student checking accounts only. Available only to primary member on the account. Limit one $25 deposit per member and per account. The deposit may take place 2-14 days after account opening.

***In accordance with the Credit Card Act of 2009, borrowers under the age of 21 applying for a credit card or credit line on a debit card must show proof of “ability to pay” and/or have a qualified co-signer over the age of 21. Rates and limits subject to credit approval.

Become a Goldenwest Member

Open an account with us today!

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