Smart Money Offer

Members ages 13-25, earn up to $300 when you open and use your SMARTPay Checking Account!

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Checking Account

Open a SMARTStart Checking Account today as you prepare for a new stage in your life. Learn key concepts of budgeting, earn rewards points with your debit card, transfer money online, and much more.

SMARTStart Checking is the perfect free account for teens and young adults.

SMARTStart Checking with Visa Debit

Receive a free Visa Debit card when you open a SMARTStart checking account to use everywhere Visa is accepted. Set up direct deposit with your employer and begin experiencing the benefits of a SMARTStart checking account.

More for Teens


Save for a rainy day with a traditional savings account or a term savings account. Open and maintain a traditional savings account with as little as $5. Open a 12-month term savings account to:

  • Earn dividends on funds
  • Add money at any time
  • No monthly service fees
  • NCUA Insurance

Learn more:

Traditional Savings Account Term Deposit Accounts

First-Time Auto Buyer

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. Get pre-approved online or at any branch for free today.

When you choose Goldenwest, you'll get essential financial tools including:

  • Excellent rates and terms
  • VISA debit card with up to $500 overdraft
  • VISA Rewards credit card with up to $1,000 limit

Learn More About the Program

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Middle, Junior High, and High School students can receive $2 for every A and $1 for every B on their quarterly report card!

Still have questions? Call us at 801-621-4550 or visit us at any of our locations here.


Eligible for members ages 13+. Members under age 18 will need a parent and/or qualified joint owner on the account.