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

Current rates for Greater Iowa Credit Union include: Savings: 0.00%, MMA: 0.30%

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Greater Iowa Credit Union

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Greater Iowa Credit Union Rates & Review May 2026

Item: Greater Iowa Credit Union
Rating: 9612
Author: OICK

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 10, 2026

Greater Iowa Credit Union's 6 Special CDs rates are at 3.75%, 6 Traditional IRA and Roth IRA Special CDs rates are at 3.65%, 12 Traditional IRA and Roth IRA Special CDs rates are at 3.60%, 60 Traditional IRA, Roth IRA, and ESA Standard CDs rates are at 0.75%, 36-59 Traditional IRA, Roth IRA, and ESA Standard CDs rates are at 0.70%. Greater Iowa Credit Union's savings rates are at 0.00%. Greater Iowa Credit Union's money market rates are at 0.30%. Greater Iowa Credit Union's Personal Loan Rates are at 8.99%. 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 8.63%. Rates were last updated on 05/10/2026.

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.

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.63%

Excellent Higher than avg

Greater Iowa Credit Union
Ames Ops Center

1509 Baltimore Dr
Ames, IA 50010

https://www.gicu.org

Greater Iowa Credit Union CD Rates

Product	Rate	APY	Term
6 Special Share Certificates	3.69%	3.75%	6
Min Deposit $1,000 Details Special rates and special features Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
6 Traditional IRA and Roth IRA Special Share Certificates	3.60%	3.65%	6
Min Balance $1,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
12 Traditional IRA and Roth IRA Special Share Certificates	3.54%	3.60%	12
Min Balance $1,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
60 Traditional IRA, Roth IRA, and ESA Standard Share Certificates	0.75%	0.75%	60
Min Balance $1,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
36-59 Traditional IRA, Roth IRA, and ESA Standard Share Certificates	0.70%	0.70%	36-59
Min Balance $1,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
60 Share Certificates	0.60%	0.60%	60
Min Deposit $1,000 Min Balance $1,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
48-59 Share Certificates	0.55%	0.55%	48-59
Min Deposit $1,000 Min Balance $1,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
18-35 Traditional IRA, Roth IRA, and ESA Standard Share Certificates	0.55%	0.55%	18-35
Min Balance $1,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
36-47 Share Certificates	0.50%	0.50%	36-47
Min Deposit $1,000 Min Balance $1,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
18-23 Share Certificates	0.40%	0.40%	18-23
Min Deposit $1,000 Min Balance $1,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
12-17 Share Certificates	0.35%	0.35%	12-17
Min Deposit $1,000 Min Balance $1,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
6-11 Share Certificates	0.25%	0.25%	6-11
Min Deposit $1,000 Min Balance $1,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%

Greater Iowa Credit Union Savings Rates

Product	Rate	APY
Greater Savings	1.69%	1.70%
Details Qualifying balance up to $50,000.00; Qualifications Required Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Health Savings Account (HSA)	0.70%	0.70%
Min Balance $50,000 Details Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
High Yield ESA Savings	0.70%	0.70%
Min Balance $50,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
High Yield Roth IRA and Traditional IRA Savings	0.70%	0.70%
Min Balance $250,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Health Savings Account (HSA)	0.65%	0.65%
Min Balance $25,000 Details Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
High Yield ESA Savings	0.65%	0.65%
Min Balance $25,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
High Yield Roth IRA and Traditional IRA Savings	0.65%	0.65%
Min Balance $100,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Health Savings Account (HSA)	0.60%	0.60%
Min Balance $10,000 Details Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
High Yield ESA Savings	0.60%	0.60%
Min Balance $10,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
High Yield Roth IRA and Traditional IRA Savings	0.60%	0.60%
Min Balance $50,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Health Savings Account (HSA)	0.45%	0.45%
Min Balance $100 Details Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
High Yield ESA Savings	0.45%	0.45%
Min Balance $100 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
High Yield Roth IRA and Traditional IRA Savings	0.45%	0.45%
Min Balance $10,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
High Yield Roth IRA and Traditional IRA Savings	0.30%	0.30%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Share Accounts (Savings) - Primary and Secondary Shares	0.10%	0.10%
Min Balance $10,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Greater Savings (Non-Qualifying)	0.05%	0.05%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Share Accounts (Savings) - Primary and Secondary Shares	0.05%	0.05%
Min Balance $50 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Health Savings Account (HSA)	-	0.00%
Min Balance $0 Details Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
High Yield ESA Savings	-	0.00%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%

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 Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; $10,000 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
eMoney Market	1.90%	1.92%
Min Deposit $10,000 Min Balance $250,000 Details Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; $10,000 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
eMoney Market	1.70%	1.71%
Min Deposit $10,000 Min Balance $100,000 Details Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; $10,000 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
eMoney Market	1.50%	1.51%
Min Deposit $10,000 Min Balance $50,000 Details Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; $10,000 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
eMoney Market	1.34%	1.35%
Min Deposit $10,000 Min Balance $25,000 Details Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; $10,000 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
eMoney Market	1.29%	1.30%
Min Deposit $10,000 Min Balance $10,000 Details Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; $10,000 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Money Market	0.55%	0.55%
Min Deposit $2,500 Min Balance $200,000 Details $2,500 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $100,000 Details $2,500 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Money Market	0.40%	0.40%
Min Deposit $2,500 Min Balance $50,000 Details $2,500 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Money Market	0.35%	0.35%
Min Deposit $2,500 Min Balance $25,000 Details $2,500 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Money Market	0.30%	0.30%
Min Deposit $2,500 Min Balance $2,500 Details $2,500 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%

Greater Iowa Credit Union Checking Rates

Product	Rate	APY
Greater CheckingTM	4.89%	5.00%
Details Qualifications Required; Qualifying balance up to $20,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Greater Iowa Prestige CheckingTM	0.10%	0.10%
Min Balance $25,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Greater Iowa Prestige CheckingTM	0.08%	0.08%
Min Balance $10,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Premium Checking	0.07%	0.07%
Min Balance $25,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Greater Iowa Prestige CheckingTM	0.05%	0.05%
Min Balance $2,500 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Premium Checking	0.05%	0.05%
Min Balance $10,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Greater Iowa Prestige CheckingTM	0.03%	0.03%
Min Balance $1,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Premium Checking	0.03%	0.03%
Min Balance $2,500 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Premium Checking	0.01%	0.01%
Min Balance $200 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Classic Checking	-	0.00%
Min Balance $0 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Entrepreneur, Business, & Commercial Checking	-	0.00%
Min Balance $1,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Greater Iowa Basic Blue CheckingTM	-	0.00%
Min Balance $0 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Greater Iowa Fresh Start Checking®	-	0.00%
Min Balance $0 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%

Greater Iowa Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loans	-	-	5.74%
Details As Low As Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%

Greater Iowa Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.49%
Details As Low As Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%

Greater Iowa Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loans	-	8.99%
Details As Low As Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%

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.

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 Robert Bowers

CEO Scott Zahnle

Full-Time Employees 138

Part-Time Employees 4

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

8.63%

Return on Assets (ROA)

0.5325%

Return on Equity (ROE)

5.6348%

Non-Performing Loans Ratio (NPL)

0.97%

Total Assets

675,440,122

Total Amount of Shares and Deposits

593,829,641

Total Shares and Deposits < 1 Year

592,878,133

Total Shares and Deposits 1 3 Years

836,961

Total Shares and Deposits > 3 Years

114,545

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

49,708,356

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

49,708,356

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

544,121,285

Total Interest Expense (Sum of items 6 8)

7,079,350

Share Certificates

4,020

Number of Accounts for Share Drafts

52,837

IRA KEOGH Accounts

445

Number of Accounts for Regular Shares

42,075

All other shares

763

Money Market Shares

1,376

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

3,596,609

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

27,199,626

Total Liabilities

615,358,992

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

OICK

★★★★★

December 17, 2025

yrlb

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Average Rating

★★★★★

Total Reviews

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Frequently Asked Questions About Greater Iowa Credit Union

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.