The Goldenwest Credit Union is a personal credit card from Goldenwest Credit Union. The annual fee is No annual fee. The ongoing APR is 11.74% - 18.00% when you open your account, based on your creditworthiness (variable) (terms accurate as of January 1, 2026) after a No introductory APR introductory rate. Rewards: Earn rewards when you use it; Supports USU Programs; New Point Redemption Options Available! Visit the Golden Rewards: Points Plus page to see more information about Pay With Points and Checkout With Points..