Goldenwest Federal Credit Union

Headquarters: Ogden, Utah
Charter: Credit Union
Assets: $4.3B
Fed district: San Francisco

21 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Reward Yourself Checking
Goldenwest Federal Credit Union: $5
Goldenwest Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Goldenwest Federal Credit Union: $22
Goldenwest Federal Credit Union: $22
U.S. median: no median
NSF / Returned Item
Goldenwest Federal Credit Union: $22
Goldenwest Federal Credit Union: $22
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Utah, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Utah: Banks and credit unions headquartered in Utah that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Goldenwest Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Reward Yourself Checking service charge$5
per month
Closing Fee (if closed within first six months)$10
Inactive Account Fee$2
Account Research/Reconciliation (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay$22
Non-Sufficient Funds (per item - checks and electronic)$22
per item
Returned ACH item (per item)$22
per item

ATM & Card

Non-Goldenwest ATM Transactions (per transaction including inquiries)$1
per transaction
Replacement Card (per card)$3
per item

Wire Transfers

Federal Reserve Wire Outgoing$15
Online Wires (audience not stated, treated as personal)$15
per transaction
Federal Reserve Wire Incoming$10
International Wire$45

Check Services

Cashier’s Check (per check)$1
per item
Teller Check (per check)$1
per item
Money Order (per money order)$1
per item
Stop Payment Order (per check, series of checks or electronic item)$10
per item
Check Cashing$2
Canadian Check Processing Fee$25
Foreign Check Processing Fee$35
Check Copy (per copy)$3
per item

Digital & Electronic

Bill PayNo charge
Mobile DepositNo charge

Cash & Deposit

Coin Counting (per hour)$10
Not compared: Charged per hour; comparison unavailable
per hour
Visa Cash Advance Fee1.5%of the advance
Returned Deposited Check - drawer originated (per item)$18
per item

Account Services

Notary PublicNo charge

Gift & Prepaid Cards

Gift Cards$2.50

Other Fees

Copy of Statement$2
Not compared: Annual charge, not per item
per year
Copy of Transaction History (per year)$10
Not compared: Annual charge, not per item
per year

Fee	Amount	Basis	Note
Account Maintenance
Reward Yourself Checking service charge	$5	per month	None
Closing Fee (if closed within first six months)	$10	Not stated	None
Inactive Account Fee	$2	Not stated	None
Account Research/Reconciliation (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay	$22	Not stated	None
Non-Sufficient Funds (per item - checks and electronic)	$22	per item	None
Returned ACH item (per item)	$22	per item	None
ATM & Card
Non-Goldenwest ATM Transactions (per transaction including inquiries)	$1	per transaction	None
Replacement Card (per card)	$3	per item	None
Wire Transfers
Federal Reserve Wire Outgoing	$15	Not stated	None
Online Wires (audience not stated, treated as personal)	$15	per transaction	None
Federal Reserve Wire Incoming	$10	Not stated	None
International Wire	$45	Not stated	None
Check Services
Cashier’s Check (per check)	$1	per item	None
Teller Check (per check)	$1	per item	None
Money Order (per money order)	$1	per item	None
Stop Payment Order (per check, series of checks or electronic item)	$10	per item	None
Check Cashing	$2	Not stated	None
Canadian Check Processing Fee	$25	Not stated	None
Foreign Check Processing Fee	$35	Not stated	None
Check Copy (per copy)	$3	per item	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Coin Counting (per hour)	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Visa Cash Advance Fee	1.5%of the advance	Not stated	None
Returned Deposited Check - drawer originated (per item)	$18	per item	None
Account Services
Notary Public	No charge	Not stated	None
Gift & Prepaid Cards
Gift Cards	$2.50	Not stated	None
Other Fees
Copy of Statement	$2Not compared: Annual charge, not per item	per year	None
Copy of Transaction History (per year)	$10Not compared: Annual charge, not per item	per year	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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