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

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

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Greater Iowa Credit Union Rates & Review June 2026

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 26, 2026

Greater Iowa Credit Union's savings rates are at 0.00%. 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 8.23%. Rates were last updated on 06/26/2026.

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

8.23%

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 Savings Rates

Product	Rate	APY
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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%
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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%
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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%
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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%
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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%

Greater Iowa Credit Union Checking Rates

Product	Rate	APY
Greater CheckingTM (Qualifying)	4.89%	5.00%
Min Balance $0 Details Qualifications Required: Share (membership) account with a minimum balance of $5.00; At least twenty (20) debit card purchases totaling $100 (PIN based or signature based) from Greater Iowa debit card, and the purchases must post and settle prior to the close of business on the last business day of the month; Elect to receive electronic statements (e-Statements) in lieu of paper statements by registering or linking for e-Statements with a valid email address; Direct deposit of at least $100 per month in the Greater Checking account or at least one payment made via Greater Iowa bill pay from the Greater Checking account (internal transfers are excluded and do not qualify) prior to the close of business on the last business day of the month.; 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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%
Greater CheckingTM (Qualifying)	0.10%	0.10%
Min Balance $20,001 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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%
Greater Iowa Prestige CheckingTM	0.10%	0.10%
Min Deposit $1,000 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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%
Greater Iowa Prestige CheckingTM	0.08%	0.08%
Min Deposit $1,000 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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%
Premium Checking	0.07%	0.07%
Min Deposit $50 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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%
Greater Iowa Prestige CheckingTM	0.05%	0.05%
Min Deposit $1,000 Min Balance $2,500 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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%
Premium Checking	0.05%	0.05%
Min Deposit $50 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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%
Greater Iowa Prestige CheckingTM	0.03%	0.03%
Min Deposit $1,000 Min Balance $1,000 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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%
Premium Checking	0.03%	0.03%
Min Deposit $50 Min Balance $2,500 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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%
Greater CheckingTM (Non-Qualifying)	0.01%	0.01%
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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%
Premium Checking	0.01%	0.01%
Min Deposit $50 Min Balance $200 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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%
Classic Checking	-	0.00%
Min Deposit $50 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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%
Entrepreneur, Business, & Commercial Checking	-	0.00%
Min Deposit $1,000 Min Balance $1,000 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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%
Greater Iowa Basic Blue CheckingTM	-	0.00%
Min Deposit $0 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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%
Greater Iowa Fresh Start Checking®	-	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 06/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.23%

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

8.23%

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.