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Greater Iowa Credit Union

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Greater Iowa Credit Union Rates & Review November 2026

Q: What are the current interest rates at Greater Iowa Credit Union?

Current rates for Greater Iowa Credit Union include: 12-Month CD: 3.20%, 18-Month CD: 3.25%, 24-Month CD: 3.29%, 60-Month CD: 3.35%, Savings: 1.70%, MMA: 2.17%

Q: What CD terms does Greater Iowa Credit Union offer?

Greater Iowa Credit Union CD rates are 3.20% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.29% APY for a 2 year CD, 3.31% APY for a 3 year CD, 3.33% APY for a 4 year CD and 3.35% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Greater Iowa Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Greater Iowa Credit Union's CDs - 60 month rates are at 3.35%, CDs - 48 month rates are at 3.33%, CDs - 36 month rates are at 3.31%, CDs - 24 month rates are at 3.29%, CDs - 18 month rates are at 3.25%. Greater Iowa Credit Union's savings rates are at 1.70%. Greater Iowa Credit Union's money market rates are at 2.17%. Greater Iowa Credit Union's checking rates are as high as 5.00%. Greater Iowa Credit Union's Personal Loan Rates are as low as 8.99%. Greater Iowa Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Greater Iowa Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.43%. Rates last updated and verified on 10/29/2026.

Greater Iowa Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Greater Iowa Credit Union? Share your experience about Greater Iowa Credit Union by leaving a review below, or read customer reviews before you decide to use Greater Iowa Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.43%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Greater Iowa Credit Union
Ames Ops Center

1509 Baltimore Dr
Ames, IA 50010

https://www.gicu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Greater Iowa Credit Union CD Rates

Product	Rate	APY	Term
15 Month Special Share Certificates	4.22%	4.30%	15 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to open: $1,000; Interest compounded monthly unless paid directly to you; Early withdrawal penalty of 180 days of interest for terms greater than one year Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05% Oct 13, 20264.30%▲ from 4.05% Sep 18, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
11 Month Special Share Certificates	4.17%	4.25%	11 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to open: $1,000; Interest compounded monthly unless paid directly to you; Early withdrawal penalty of 90 days of interest for terms of one year or less Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20% Oct 13, 20264.25%▲ from 4.20% Sep 18, 20264.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Traditional IRA and Roth IRA Special Share Certificate - 11 Month	4.12%	4.20%	11 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to open: $1,000; Interest compounded monthly unless paid directly to you; Early withdrawal penalty of 90 days of interest, may be deducted from principal; Withdrawal of earnings could reduce APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Traditional IRA and Roth IRA Special Share Certificate - 15 Month	3.98%	4.05%	15 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to open: $1,000; Interest compounded monthly unless paid directly to you; Early withdrawal penalty of 90 days of interest, may be deducted from principal; Withdrawal of earnings could reduce APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
7 Month Special Share Certificates	3.69%	3.75%	7 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to open: $1,000; Interest compounded monthly unless paid directly to you; Early withdrawal penalty of 90 days of interest for terms of one year or less Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Traditional IRA and Roth IRA Special Share Certificate - 7 Month	3.69%	3.75%	7 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to open: $1,000; Interest compounded monthly unless paid directly to you; Early withdrawal penalty of 90 days of interest, may be deducted from principal; Withdrawal of earnings could reduce APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Share Certificates - 60 month	3.30%	3.35%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to open: $1,000; Interest compounded monthly unless paid directly to you; Early withdrawal penalty of 90 days of interest; Withdrawal of earnings could reduce APY Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Share Certificates - 48 month	3.28%	3.33%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to open: $1,000; Interest compounded monthly unless paid directly to you; Early withdrawal penalty of 90 days of interest; Withdrawal of earnings could reduce APY Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.33% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Share Certificates - 36 month	3.26%	3.31%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to open: $1,000; Interest compounded monthly unless paid directly to you; Early withdrawal penalty of 90 days of interest; Withdrawal of earnings could reduce APY Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.31% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Share Certificates - 24 month	3.24%	3.29%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to open: $1,000; Interest compounded monthly unless paid directly to you; Early withdrawal penalty of 90 days of interest; Withdrawal of earnings could reduce APY Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.29% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Share Certificates - 18 month	3.20%	3.25%	18 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to open: $1,000; Interest compounded monthly unless paid directly to you; Early withdrawal penalty of 90 days of interest; Withdrawal of earnings could reduce APY Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Share Certificates - 12 month	3.15%	3.20%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to open: $1,000; Interest compounded monthly unless paid directly to you; Early withdrawal penalty of 90 days of interest; Withdrawal of earnings could reduce APY Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Share Certificates - 6 month	3.10%	3.14%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to open: $1,000; Interest compounded monthly unless paid directly to you; Early withdrawal penalty of 90 days of interest; Withdrawal of earnings could reduce APY Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.14% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%

Greater Iowa Credit Union Business CD Rates

Product	Rate	APY	Term
11 Month Business Special Share Certificates	4.12%	4.20%	11 months
Min Balance $1,000 Details Interest compounded monthly unless paid directly to you; early withdrawal penalty of 180 days of interest; withdrawal of earnings could reduce APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
15 Month Business Special Share Certificates	3.98%	4.05%	15 months
Min Balance $1,000 Details Interest compounded monthly unless paid directly to you; early withdrawal penalty of 180 days of interest; withdrawal of earnings could reduce APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
7 Month Business Special Share Certificates	3.69%	3.75%	7 months
Min Balance $1,000 Details Interest compounded monthly unless paid directly to you; early withdrawal penalty of 180 days of interest; withdrawal of earnings could reduce APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Business Share Certificates - 60 month	3.30%	3.35%	60 months
Min Balance $1,000 Details Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed. $5,000 minimum balance noted in table footnote. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Business Share Certificates - 48 month	3.28%	3.33%	48 months
Min Balance $1,000 Details Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed. $5,000 minimum balance noted in table footnote. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.33% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Business Share Certificates - 36 month	3.26%	3.31%	36 months
Min Balance $1,000 Details Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed. $5,000 minimum balance noted in table footnote. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.31% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Business Share Certificates - 24 month	3.24%	3.29%	24 months
Min Balance $1,000 Details Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed. $5,000 minimum balance noted in table footnote. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.29% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Business Share Certificates - 18 month	3.20%	3.25%	18 months
Min Balance $1,000 Details Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed. $5,000 minimum balance noted in table footnote. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Business Share Certificates - 12 month	3.15%	3.20%	12 months
Min Balance $1,000 Details Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed. $5,000 minimum balance noted in table footnote. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Business Share Certificates - 6 month	3.10%	3.14%	6 months
Min Balance $1,000 Details Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed. $5,000 minimum balance noted in table footnote. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.14% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%

Greater Iowa Credit Union Savings Rates

Product	Rate	APY
Greater Savings (Qualifying)	1.69%	1.70%
Min Balance $0 Details Qualifications Required; Balance: $0-$50,000; 1.70% APY paid on balances up to $50,000 when requirements are met; Requirements: have Greater Checking qualifying requirements met before last business day of month (20+ debit card purchases totaling $100; direct deposit of at least $100 per month or Greater Iowa bill pay from Greater Checking; elect electronic statements) Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
High Yield Roth IRA and Traditional IRA Savings	0.70%	0.70%
Min Balance $250,000 Details Minimum balance to earn stated APY: $250,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
High Yield Roth IRA and Traditional IRA Savings	0.65%	0.65%
Min Balance $100,000 Details Minimum balance to earn stated APY: $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
High Yield Roth IRA and Traditional IRA Savings	0.60%	0.60%
Min Balance $50,000 Details Minimum balance to earn stated APY: $50,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
High Yield Roth IRA and Traditional IRA Savings	0.45%	0.45%
Min Balance $10,000 Details Minimum balance to earn stated APY: $10,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
High Yield Roth IRA and Traditional IRA Savings	0.30%	0.30%
Min Balance $0 Details Minimum balance to earn stated APY: $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Share Accounts (Savings) - Primary and Secondary Shares	0.10%	0.10%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000 minimum to earn stated APY; $5 minimum share balance required to open and maintain Primary Share; Fees could reduce earnings; Rates may vary after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Greater Savings (Non-Qualifying)	0.05%	0.05%
Min Balance $0 Details Balance: All Balances; Earned when Greater Savings qualifying requirements are not met Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Share Accounts (Savings) - Primary and Secondary Shares	0.05%	0.05%
Min Deposit $5 Min Balance $50 Details Balance: $50.01 minimum to earn stated APY; $5 minimum share balance required to open and maintain Primary Share; Fees could reduce earnings; Rates may vary after account is opened Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Share Accounts (Savings) - Primary and Secondary Shares	0.05%	0.05%
Min Deposit $5 Min Balance $2,500 Details Balance: $2,500 minimum to earn stated APY; $5 minimum share balance required to open and maintain Primary Share; Fees could reduce earnings; Rates may vary after account is opened Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%

Greater Iowa Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Share Accounts (Savings) - Primary and Secondary Shares	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Balance: $5.00 minimum to earn stated APY; $5 minimum share balance required to open and maintain primary Share. Fees could reduce earnings on account. Rates may vary after account is opened. APY is accurate as of October 1, 2026. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%

Greater Iowa Credit Union Money Market Rates

Product	Rate	APY
eMoney Market	2.15%	2.17%
Min Deposit $10,000 Min Balance $500,000 Details Minimum balance to earn stated APY: $500,000; Must be enrolled in eStatements with a valid email address Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.17% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
eMoney Market	1.90%	1.92%
Min Deposit $10,000 Min Balance $250,000 Details Minimum balance to earn stated APY: $250,000; Must be enrolled in eStatements with a valid email address Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.92% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
eMoney Market	1.70%	1.71%
Min Deposit $10,000 Min Balance $100,000 Details Minimum balance to earn stated APY: $100,000; Must be enrolled in eStatements with a valid email address Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.71% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
eMoney Market	1.50%	1.51%
Min Deposit $10,000 Min Balance $50,000 Details Minimum balance to earn stated APY: $50,000; Must be enrolled in eStatements with a valid email address Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
eMoney Market	1.34%	1.35%
Min Deposit $10,000 Min Balance $25,000 Details Minimum balance to earn stated APY: $25,000; Must be enrolled in eStatements with a valid email address Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
eMoney Market	1.29%	1.30%
Min Deposit $10,000 Min Balance $10,000 Details Minimum balance to earn stated APY: $10,000; Must be enrolled in eStatements with a valid email address Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Money Market	0.55%	0.55%
Min Deposit $2,500 Min Balance $200,000 Details Minimum balance to earn stated APY: $200,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $100,000 Details Minimum balance to earn stated APY: $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Money Market	0.40%	0.40%
Min Deposit $2,500 Min Balance $50,000 Details Minimum balance to earn stated APY: $50,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Money Market	0.35%	0.35%
Min Deposit $2,500 Min Balance $25,000 Details Minimum balance to earn stated APY: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Money Market	0.30%	0.30%
Min Deposit $2,500 Min Balance $2,500 Details Minimum balance to earn stated APY: $2,500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%

Greater Iowa Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Accounts	2.15%	2.15%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 minimum to earn stated APY; Fees could reduce earnings on account. Rates may vary after account is opened. Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.17% → 2.15% ▼ 0.02 pts · high 2.17% / low 2.15% Oct 1, 20262.15%▼ from 2.17% Sep 14, 20262.17%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Business Money Market Accounts	1.90%	1.92%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 minimum to earn stated APY; Fees could reduce earnings on account. Rates may vary after account is opened. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.92% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Business Money Market Accounts	1.70%	1.71%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 minimum to earn stated APY; Fees could reduce earnings on account. Rates may vary after account is opened. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.71% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Business Money Market Accounts	1.50%	1.51%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 minimum to earn stated APY; Fees could reduce earnings on account. Rates may vary after account is opened. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Business Money Market Accounts	1.34%	1.35%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 minimum to earn stated APY; Fees could reduce earnings on account. Rates may vary after account is opened. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Business Money Market Accounts	1.29%	1.30%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 minimum to earn stated APY; Fees could reduce earnings on account. Rates may vary after account is opened. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%

Greater Iowa Credit Union Checking Rates

Product	Rate	APY
Greater CheckingTM (Qualifying)	4.89%	5.00%
Min Deposit $50 Min Balance $0 Details Qualifications Required; Balance: $0 - $20,000; Share Draft (Checking) Accounts; Personal accounts only, one account per tax ID, age 18+; ATM-use fees refunded up to $10.00 per month when qualifications are met Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Greater Iowa Basic Blue CheckingTM	0.00%	0.00%
Min Deposit $0 Details Share Draft (Checking) Accounts; Minimum balance listed as Any Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Greater Iowa Fresh Start Checking	0.00%	0.00%
Details Share Draft (Checking) Accounts; Minimum balance listed as Any Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%

Greater Iowa Credit Union Business Checking Rates

Product	Rate	APY
Commercial+ Checking	0.05%	0.05%
Min Deposit $250 Min Balance $10,000 Details $2,500 minimum balance required to avoid fees; 250 free items per month; Fees could reduce earnings on account; Rates may vary after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Business Essentials Checking	0.03%	0.03%
Min Deposit $100 Min Balance $2,500 Details $500 minimum balance required to avoid fees; 250 free items per month; Fees could reduce earnings on account; Rates may vary after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Commercial+ Checking	0.03%	0.03%
Min Deposit $250 Min Balance $2,500 Details $2,500 minimum balance required to avoid fees; 250 free items per month; Fees could reduce earnings on account; Rates may vary after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Business Essentials Checking	0.01%	0.01%
Min Deposit $100 Min Balance $500 Details $500 minimum balance required to avoid fees; 250 free items per month; Fees could reduce earnings on account; Rates may vary after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Entrepreneur, Business, & Commercial Checking	0.00%	0.00%
Min Balance $1,000 Details Share Draft (Checking) Accounts; Balance: $1,000; Opening deposit: $100 Entrepreneur, $500 Business, $1000 Commercial Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%

Greater Iowa Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Clear in [10]TM - Home Equity Fixed 1st Lien Position Loan	-	-	5.74%	120 months
Details As Low As; Example: $50,000 borrowed for 120 months at 5.74% APR,; example excludes required taxes and insurance premiums Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Free in [15] - Home Equity Fixed 1st Lien Position Loan	-	-	5.99%	180 months
Details As Low As; Example: $50,000 borrowed for 180 months at 5.99% APR,; appraisal fees and title guaranty reviewed with member and included in closing costs if required. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Fixed Rate Home Equity Loans	-	-	6.99%	121-180 months
Details As low as; Terms (Months): 121-180; Example: 180 monthly payments $449.20 for $50,000 borrowed at 6.99% APR Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Home Equity Line of Credit (HELOC) - 10 Year Draw Period Interest Only	-	-	7.00%	300 months
Details As Low As; Variable Rate tied to Prime; Maximum rate is 18.00%; Estimated closing costs $165 - $695; No membership or annual fees apply; No fees included as a percentage of the credit limit Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 1, 20267.00%▲ from 6.75% Sep 18, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%

Greater Iowa Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
2017-2023 Used Autos or Motorcycles	-	-	5.34%	1-48 months
Details As Low As; Greater than 45,000 miles Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.34% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
2017-2023 Used Autos or Motorcycles	-	-	5.49%	49-60 months
Details As Low As; Greater than 45,000 miles Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
2017-2023 Used Autos or Motorcycles	-	-	5.59%	61-72 months
Details As Low As; Greater than 45,000 miles Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.59% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
2016 and Older Used Autos or Motorcycles	-	-	9.59%	1-36 months
Details As Low As; Greater than 45,000 miles Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.59% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
2016 and Older Used Autos or Motorcycles	-	-	10.09%	37-48 months
Details As Low As; Greater than 45,000 miles Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 10.09% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%

Greater Iowa Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Snowmobile or ATV - New Loan	-	6.99%	1-36 months
Details As Low As; Table heading on page: Snowmobile or ATV - New; source table shown under TABLE_LABEL '2016 and Older Used Autos or Motorcycles' does not match its rates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Boat or Jet Ski - Used Loan	-	7.99%	1-48 months
Details As Low As; APR as low as 7.99% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Motorhome or Travel Trailer - New Loan	-	7.99%	1-60 months
Details As Low As; Motorhome or Travel Trailer - New Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Snowmobile or ATV - New Loan	-	7.99%	37-48 months
Details As Low As; Table heading on page: Snowmobile or ATV - New; source table shown under TABLE_LABEL '2016 and Older Used Autos or Motorcycles' does not match its rates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Snowmobile or ATV - Used Loan	-	7.99%	1-24 months
Details As Low As; Terms (Months) 1-24 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Motorhome or Travel Trailer - New Loan	-	8.74%	61-84 months
Details As Low As; Motorhome or Travel Trailer - New Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Boat or Jet Ski - Used Loan	-	8.99%	49-60 months
Details As Low As; APR as low as 8.99% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Snowmobile or ATV - New Loan	-	8.99%	49-60 months
Details As Low As; Table heading on page: Snowmobile or ATV - New; source table shown under TABLE_LABEL '2016 and Older Used Autos or Motorcycles' does not match its rates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Snowmobile or ATV - Used Loan	-	8.99%	25-36 months
Details As Low As; Terms (Months) 25-36 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Motorhome or Travel Trailer - New Loan	-	9.74%	85-120 months
Details As Low As; Motorhome or Travel Trailer - New Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%

Greater Iowa Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	8.99%	1-12 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Personal Loans	9.99%	13-24 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Personal Loans	10.99%	25-36 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Personal Loans	11.49%	37-48 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 11.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Personal Loans	11.99%	49-60 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 11.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Personal Loans	15.99%	Up to 24 months
Details As Low As; For loans less than $2,500 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 15.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%

Greater Iowa Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Individual Retirement Accounts - Traditional IRA and Roth IRA	3.20%	-	3.25%	18 Months
Min Deposit $1,000 Min Balance $1,000 Details Traditional IRA and Roth IRA; Minimum balance to open: $1,000; Interest compounded monthly unless paid directly to you; Early withdrawal penalty of 90 days of interest Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Individual Retirement Accounts - Traditional IRA and Roth IRA	3.24%	-	3.29%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Traditional IRA and Roth IRA; Minimum balance to open: $1,000; Interest compounded monthly unless paid directly to you; Early withdrawal penalty of 90 days of interest Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.29% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Individual Retirement Accounts - Traditional IRA and Roth IRA	3.26%	-	3.31%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Traditional IRA and Roth IRA; Minimum balance to open: $1,000; Interest compounded monthly unless paid directly to you; Early withdrawal penalty of 90 days of interest Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.31% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Individual Retirement Accounts - Traditional IRA and Roth IRA	3.28%	-	3.33%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Traditional IRA and Roth IRA; Minimum balance to open: $1,000; Interest compounded monthly unless paid directly to you; Early withdrawal penalty of 90 days of interest Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.33% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%
Individual Retirement Accounts - Traditional IRA and Roth IRA	3.30%	-	3.35%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Traditional IRA and Roth IRA; Minimum balance to open: $1,000; Interest compounded monthly unless paid directly to you; Early withdrawal penalty of 90 days of interest Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.43%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Greater Iowa Credit Union’s Texas Ratio rose from 2.87% in Q3 2023 to 8.43% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$715M	8.43%	5.0	A
March 31, 2026	$701M	7.52%	5.0	A
December 31, 2025	$692M	9.39%	5.0	A
September 30, 2025	$675M	8.23%	5.0	A
June 30, 2025	$678M	3.62%	5.0	A+
March 31, 2025	$675M	3.10%	5.0	A+
December 31, 2024	$654M	4.62%	5.0	A+
September 30, 2024	$639M	5.37%	5.0	A+
June 30, 2024	$640M	4.99%	5.0	A+
March 31, 2024	$654M	3.88%	5.0	A+
December 31, 2023	$644M	3.79%	5.0	A+
September 30, 2023	$635M	2.87%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Greater Iowa Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Greater Iowa Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Greater Iowa Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Greater Iowa Credit Union

Website https://www.gicu.org

Address 1509 Baltimore Dr, Ames, IA 50010

Phone 800-296-9064

Fax

President Mike Crum

CEO Scott Zahnle

Full-Time Employees 143

Part-Time Employees 1

Branch Locations 9

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.43%

Return on Assets (ROA)

0.3816%

Return on Equity (ROE)

4.0479%

Non-Performing Loans Ratio (NPL)

0.96%

Total Assets

715,097,483

Total Amount of Shares and Deposits

616,978,494

Total Shares and Deposits < 1 Year

613,532,673

Total Shares and Deposits 1 3 Years

3,358,520

Total Shares and Deposits > 3 Years

87,299

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

49,798,891

Total Uninsured Shares and Deposits > $250K (F+J)

49,798,891

Total Insured Shares and Deposits > $250K (item 17 less item K)

567,179,603

Total Interest Expense (Sum of items 6 8)

4,597,418

Share Certificates

3,557

Number of Accounts for Share Drafts

34,992

IRA KEOGH Accounts

418

Number of Accounts for Regular Shares

42,541

All other shares

828

Money Market Shares

1,365

Net Income (unless the amount is already included in Undivided Earnings)

2,729,098

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

7,837,833

Total Liabilities

651,314,337

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Greater Iowa Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Greater Iowa Credit Union

Does Greater Iowa Credit Union offer CDs?

Yes. Greater Iowa Credit Union current CD rates include its CDs - 60 month at 3.35% APY, its CDs - 48 month at 3.33% APY and its CDs - 36 month at 3.31% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Greater Iowa Credit Union NCUA insured?

Yes. Greater Iowa Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Greater Iowa Credit Union?

The highest Greater Iowa Credit Union CD rate is its 15 Month Special CDs at 4.30% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Greater Iowa Credit Union offer?

Greater Iowa Credit Union CD rates are 3.20% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.29% APY for a 2 year CD, 3.31% APY for a 3 year CD, 3.33% APY for a 4 year CD and 3.35% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Greater Iowa Credit Union for its full lineup.

What is the highest savings rate at Greater Iowa Credit Union?

The highest Greater Iowa Credit Union savings rate is its Greater Savings (Qualifying) at 1.70% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Greater Iowa Credit Union?

The highest Greater Iowa Credit Union money market rate is its eMoney Market at 2.17% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Greater Iowa Credit Union?

The highest Greater Iowa Credit Union checking rate is its Greater CheckingTM (Qualifying) at 5.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Greater Iowa Credit Union?

The lowest Greater Iowa Credit Union auto loan rate is its 2017-2023 Used Autos or Motorcycles at 5.34% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Greater Iowa Credit Union?

The lowest Greater Iowa Credit Union personal loan rate is its Personal Loans at 8.99% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Greater Iowa Credit Union operate?

Greater Iowa Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Greater Iowa Credit Union?

Yes, to access services at Greater Iowa Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Greater Iowa Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Greater Iowa Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Greater Iowa Credit Union offer online and mobile banking?

Most modern institutions like Greater Iowa Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.gicu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Greater Iowa Credit Union rates compare?

Greater Iowa Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A health rating. Greater Iowa Credit Union's top rates are its 15 Month Special CDs at 4.30% APY, its Greater Savings (Qualifying) at 1.70% APY, its eMoney Market at 2.17% APY, its Greater CheckingTM (Qualifying) at 5.00% APY and its Personal Loans at 8.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Greater Iowa Credit Union Rates

12-Month CD3.20%
18-Month CD3.25%
24-Month CD3.29%
60-Month CD3.35%
Savings1.70%
MMA2.17%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Greater Iowa Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Greater Iowa Credit Union Texas Ratio

Greater Iowa Credit Union Health Trend

Greater Iowa Credit Union CD Rates

Greater Iowa Credit Union Business CD Rates

Greater Iowa Credit Union Savings Rates

Greater Iowa Credit Union Business Savings Rates

Greater Iowa Credit Union Money Market Rates

Greater Iowa Credit Union Business Money Market Rates

Greater Iowa Credit Union Checking Rates

Greater Iowa Credit Union Business Checking Rates

Greater Iowa Credit Union Home Equity & HELOC

Greater Iowa Credit Union Auto Loan Rates

Greater Iowa Credit Union RV, Boat and Powersport Loan Rates

Greater Iowa Credit Union Personal Loan Rates

Greater Iowa Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Greater Iowa Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Greater Iowa Credit Union

Does Greater Iowa Credit Union offer CDs?

Are CDs from Greater Iowa Credit Union NCUA insured?

What is the highest CD rate at Greater Iowa Credit Union?

What CD terms does Greater Iowa Credit Union offer?

What is the highest savings rate at Greater Iowa Credit Union?

What is the highest money market rate at Greater Iowa Credit Union?

What is the highest checking rate at Greater Iowa Credit Union?

What is the lowest auto loan rate at Greater Iowa Credit Union?

What is the lowest personal loan rate at Greater Iowa Credit Union?

How many branches does Greater Iowa Credit Union operate?

Is a member application needed to join Greater Iowa Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Greater Iowa Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Greater Iowa Credit Union rates compare?

Current Greater Iowa Credit Union Rates

Compare to Other Credit Unions