Debit Cards
Visa Debit Card
The Visa Debit Card is accepted everywhere you go, giving you access to funds you have on deposit in your free Goldenwest checking account.
Aggie Debit Card
Show your love for the Utah State Aggies with a debit card featuring a USU design. Plus, you get a card packed with most of the features of the standard Visa Debit Card.
Aggie Student Debit Card
Take charge of your finances with the Aggie Student Debit Card. Show your Aggie pride with every purchase! Available exclusively to USU students.
VISA BASIC/VISA REWARDS AND THE AGGIE CARD
SIMPLY PLATINUM/SIMPLY PLATINUM REBATE
APPLICATION AND SOLICITATION DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
Visa Basic
10.74% - 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
VISA Rewards and The Aggie Card
12.24% - 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum
11.75% - 18.00%, based on your creditworthiness.
Simply Platinum Rebate
14.75% - 18.00%, based on your creditworthiness.
Visa Signature
16.24%. This APR will vary with the market based on the Prime Rate.
Visa Share Secured
11.50%. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
Visa Basic
10.74% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa Rewards and The Aggie Card
12.49% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum
11.75% to 18.00%, based on your creditworthiness.
Simply Platinum Rebate
14.75% to 18.00%, based on your creditworthiness.
Visa Signature
16.49%. This APR will vary with the market based on the Prime Rate.
Visa Share Secured
11.75%. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
Visa Basic
10.74% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa Rewards and The Aggie Card
12.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum Rebate
14.75% to 18.00%, based on your creditworthiness.
Visa Signature
16.24%. This APR will vary with the market based on the Prime Rate.
Visa Share Secured
11.50%. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee
- Annual Fee
None
Transaction Fees
- Balance Transfer Fee
None
- Cash Advance Fee
1.50% of the amount of each cash advance
- Foreign Transaction Fee
1.00% of each multiple currency transaction in U.S. dollars
1.00% of each single currency transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
Up to $22.00
- Returned Payment Fee
Up to $22.00
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Effective Date:
The information about the costs of the card described in this application is accurate as of January 1, 2025. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Basic, Visa Rewards, The Aggie Card, Simply Platinum, Simply Platinum Rebate, Visa Signature, and Visa Share Secured are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.
OTHER DISCLOSURES
Late Payment Fee
$22.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.
Card Replacement Fee
$5.00
VISA BASIC/VISA REWARDS AND THE AGGIE CARD
SIMPLY PLATINUM/SIMPLY PLATINUM REBATE
APPLICATION AND SOLICITATION DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
Visa Basic
10.74% - 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
VISA Rewards and The Aggie Card
12.24% - 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum
11.75% - 18.00%, based on your creditworthiness.
Simply Platinum Rebate
14.75% - 18.00%, based on your creditworthiness.
Visa Signature
16.24%. This APR will vary with the market based on the Prime Rate.
Visa Share Secured
11.50%. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
Visa Basic
10.74% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa Rewards and The Aggie Card
12.49% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum
11.75% to 18.00%, based on your creditworthiness.
Simply Platinum Rebate
14.75% to 18.00%, based on your creditworthiness.
Visa Signature
16.49%. This APR will vary with the market based on the Prime Rate.
Visa Share Secured
11.75%. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
Visa Basic
10.74% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa Rewards and The Aggie Card
12.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum Rebate
14.75% to 18.00%, based on your creditworthiness.
Visa Signature
16.24%. This APR will vary with the market based on the Prime Rate.
Visa Share Secured
11.50%. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee
- Annual Fee
None
Transaction Fees
- Balance Transfer Fee
None
- Cash Advance Fee
1.50% of the amount of each cash advance
- Foreign Transaction Fee
1.00% of each multiple currency transaction in U.S. dollars
1.00% of each single currency transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
Up to $22.00
- Returned Payment Fee
Up to $22.00
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Effective Date:
The information about the costs of the card described in this application is accurate as of January 1, 2025. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Basic, Visa Rewards, The Aggie Card, Simply Platinum, Simply Platinum Rebate, Visa Signature, and Visa Share Secured are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.
OTHER DISCLOSURES
Late Payment Fee
$22.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.
Card Replacement Fee
$5.00
