Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, $1B to $10B

Goldenwest Federal Credit Union

Ogden, UtahCredit UnionSan Francisco Fed districtFees collected Oct 7, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Reward Yourself Checking service charge$5Within the typical range ($4–$10 nationally)

Overdraft & NSFVerified

Courtesy Pay$22Below the typical range ($25–$33 nationally)
$8 below the national median$3 below the Utah median
Source
Non-Sufficient Funds (per item - checks and electronic)$22Below the typical range ($25–$32 nationally)
$8 below the national median$3 below the Utah median
per item · Source

ATM & CardVerified

Non-Goldenwest ATM Transactions (per transaction including inquiries)$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national median$0.50 below the Utah median
per transaction · Source
Replacement Card (per card)$3Below the typical range ($5–$10 nationally)
$7 below the national median$2 below the Utah median
per item · Source

Wire TransfersVerified

Federal Reserve Wire Outgoing$15Below the typical range ($20–$25 nationally)
$10 below the national median$5 below the Utah median
Source
Online Wires$15Below the typical range ($20–$25 nationally)
$10 below the national median$5 below the Utah median
per transaction · Source
Federal Reserve Wire Incoming$10Within the typical range ($5–$15 nationally)
At the national median$5 above the Utah median
Source
International Wire$45Within the typical range ($40–$50 nationally)
$5 below the national medianAt the Utah median
Source

Check ServicesVerified

Teller Check (per check)$1Below the typical range ($3–$6 nationally)
$4 below the national medianAt the Utah median
per item · Source
Money Order (per money order)$1Below the typical range ($1.50–$3 nationally)
$1 below the national median$0.38 below the Utah median
per item · Source
Stop Payment Order (per check, series of checks or electronic item)$10Below the typical range ($20–$30 nationally)
$17.50 below the national median$5 below the Utah median
per item · Source
Check Cashing$2Below the typical range ($5–$10 nationally)
$3 below the national median$3 below the Utah median
Source
Canadian Check Processing Fee$25Within the typical range ($10–$25 nationally)
$5 above the national median$5 below the Utah median
Source
Foreign Check Processing Fee$35Above the typical range ($10–$25 nationally)
$15 above the national median$5 above the Utah median
Source
Check Copy (per copy)$3Within the typical range ($2–$5 nationally)
At the national medianAt the Utah median
per item · Source

Cash & DepositVerified

Coin Counting (per hour)$10Above the typical range ($0–$3 nationally)
$10 above the national median
Source
Visa Cash Advance Fee1.5%of the advance
—
Source
Returned Deposited Check - drawer originated (per item)$18Within the typical range ($8–$25 nationally)
$3 above the national median$1.50 above the Utah median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Reward Yourself Checking service charge	$5Within the typical range ($4–$10 nationally)	$1 below the national median$5 above the Utah median	per month	—	Source
Closing Fee (if closed within first six months)	$10Within the typical range ($10–$25 nationally)	$7.50 below the national medianAt the Utah median	—	—	Source
Inactive Account Fee	$2Below the typical range ($5–$10 nationally)	$3 below the national median$3 below the Utah median	—	—	Source
Account Research/Reconciliation (per hour)	$20Within the typical range ($12–$25 nationally)	$2.50 above the national median$5 above the Utah median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay	$22Below the typical range ($25–$33 nationally)	$8 below the national median$3 below the Utah median	—	—	Source
Non-Sufficient Funds (per item - checks and electronic)	$22
ATM & CardVerified
Non-Goldenwest ATM Transactions (per transaction including inquiries)	$1Within the typical range ($1–$2.25 nationally)	$0.50 below the national median$0.50 below the Utah median	per transaction	—	Source
Replacement Card (per card)	$3
Wire TransfersVerified
Federal Reserve Wire Outgoing	$15Below the typical range ($20–$25 nationally)	$10 below the national median$5 below the Utah median	—	—	Source
Online Wires	$15
Check ServicesVerified
Teller Check (per check)	$1Below the typical range ($3–$6 nationally)	$4 below the national medianAt the Utah median	per item	—	Source
Money Order (per money order)	$1
Digital & ElectronicVerified
Bill Pay	$0Within the typical range ($0–$9.95 nationally)	$2.50 below the national medianAt the Utah median	—	—	Source
Mobile Deposit	$0
Cash & DepositVerified
Coin Counting (per hour)	$10Above the typical range ($0–$3 nationally)	$10 above the national median	—	—	Source
Visa Cash Advance Fee	1.5%of the advance	—
Account ServicesVerified
Notary Public	$0Within the typical range ($0–$5 nationally)	$2.50 below the national median$1.25 below the Utah median	—	—	Source
Gift & Prepaid CardsVerified
Gift Cards	$2.50Below the typical range ($3–$4.95 nationally)	$1 below the national median$0.45 below the Utah median	—	—	Source
Other FeesVerified
Copy of Statement	$2Within the typical range ($2–$5 nationally)	$1 below the national medianAt the Utah median	per year	—	Source

Against San Francisco Fed district credit unions

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$22.00
Of 187 others that publish it, 66 lower, 1 the same and 120 higher.
Monthly maintenance
$5.00
Of 144 others that publish it, 51 lower, 30 the same and 63 higher.

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$4.3B

Total deposits

$3.7B

Service charge income (year to date)

$12.1M

Fee income ratio

8.1%

Return on assets

1.57%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 65,356 published fee entries from 3,591 institutions

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