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: 0.05%, MMA: 0.30%

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Greater Iowa Credit Union

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Greater Iowa Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Greater Iowa Credit Union's 11 Month Business Special CDs rates are at 4.20%, 11 Month Special CDs rates are at 4.20%, 11 Month Traditional IRA and Roth IRA Special CDs rates are at 4.20%, 15 Month Business Special CDs rates are at 4.05%, 15 Month Special CDs rates are at 4.05%. Greater Iowa Credit Union's savings rates are at 0.05%. Greater Iowa Credit Union's money market rates are at 0.30%. Greater Iowa Credit Union's Personal Loan Rates are as low as 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 7.52%. Rates last updated and verified on 09/22/2026.

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

7.52%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

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
11 Month Business Special Share Certificates	4.12%	4.20%	11 months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
11 Month Special Share Certificates	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 will be imposed on certificates with a term of one year or less and 180 days of interest on certificates with a term greater than one year. Early withdrawal penalty may be deducted from principal amount. Withdrawal of earnings could reduce APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
11 Month Traditional IRA and Roth IRA Special Share Certificates	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 will be imposed and may be deducted from principal amount. Other penalties may apply. Withdrawal of earnings could reduce APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
15 Month Business Special Share Certificates	3.98%	4.05%	15 months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
15 Month Special Share Certificates	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 will be imposed on certificates with a term of one year or less and 180 days of interest on certificates with a term greater than one year. Early withdrawal penalty may be deducted from principal amount. Withdrawal of earnings could reduce APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
15 Month Traditional IRA and Roth IRA Special Share Certificates	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 will be imposed and may be deducted from principal amount. Other penalties may apply. Withdrawal of earnings could reduce APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
7 Month Business Special Share Certificates	3.69%	3.75%	7 months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
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 will be imposed on certificates with a term of one year or less and 180 days of interest on certificates with a term greater than one year. Early withdrawal penalty may be deducted from principal amount. Withdrawal of earnings could reduce APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
7 Month Traditional IRA and Roth IRA 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 will be imposed and may be deducted from principal amount. Other penalties may apply. Withdrawal of earnings could reduce APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
60 Month Business Share Certificates	3.30%	3.35%	60 months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
60 Month Share Certificates	3.30%	3.35%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
48 Month Business Share Certificates	3.28%	3.33%	48 months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
48 Month Share Certificates	3.28%	3.33%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
36 Month Business Share Certificates	3.26%	3.31%	36 months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
36 Month Share Certificates	3.26%	3.31%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
24 Month Business Share Certificates	3.24%	3.29%	24 months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
24 Month Share Certificates	3.24%	3.29%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
18 Month Business Share Certificates	3.20%	3.25%	18 months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
18 Month Share Certificates	3.20%	3.25%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
12 Month Business Share Certificates	3.15%	3.20%	12 months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
12 Month Share Certificates	3.15%	3.20%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
6 Month Business Share Certificates	3.10%	3.14%	6 months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
6 Month Share Certificates	3.10%	3.14%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

Greater Iowa Credit Union Savings Rates

Product	Rate	APY
Greater Savings (Qualifying)	1.69%	1.70%
Min Balance $0 Details Qualifications Required: 1 direct deposit of at least $100 per month into the Greater Checking or at least one payment made via Greater Iowa bill pay from the Greater Checking account; elect to receive electronic statements; at least twenty debit card purchases totaling $100 (PIN or signature based) post and settle; Balance: $0-$50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Health Savings Account (HSA)	0.70%	0.70%
Min Deposit $0 Min Balance $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
High Yield Roth IRA and Traditional IRA Savings	0.70%	0.70%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Health Savings Account (HSA)	0.65%	0.65%
Min Deposit $0 Min Balance $25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
High Yield Roth IRA and Traditional IRA Savings	0.65%	0.65%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Health Savings Account (HSA)	0.60%	0.60%
Min Deposit $0 Min Balance $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
High Yield Roth IRA and Traditional IRA Savings	0.60%	0.60%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Greater Savings (Qualifying)	0.50%	0.50%
Min Balance $50,000 Details Qualifications Required: 1 direct deposit of at least $100 per month into the Greater Checking or at least one payment made via Greater Iowa bill pay from the Greater Checking account; elect to receive electronic statements; at least twenty debit card purchases totaling $100 (PIN or signature based) post and settle; Balance: $50,000.01 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Health Savings Account (HSA)	0.45%	0.45%
Min Deposit $0 Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
High Yield Roth IRA and Traditional IRA Savings	0.45%	0.45%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
High Yield Roth IRA and Traditional IRA Savings	0.30%	0.30%
Min Balance $0 Details Balance: $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Share Accounts (Savings) - Primary and Secondary Shares	0.05%	0.05%
Min Balance $5 Details Fees could reduce earnings on account. Rates may vary after account is opened. APY is accurate as of date listed above. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Greater Savings (Non-Qualifying)	0.05%	0.05%
Details All Balances Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

Greater Iowa Credit Union Money Market Rates

Product	Rate	APY
Business Money Market Accounts	2.15%	2.17%
Min Balance $500,000 Details Balance: $500,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
eMoney Market	2.15%	2.17%
Min Balance $500,000 Details Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; Balance: $500,000; $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. Qualifications to earn dividends: Must be enrolled in electronic statements (eStatements) with a valid email address; please see the Electronic Statement Disclosure in the Membership Agreement for further information on this product. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Money Market Accounts	1.90%	1.92%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
eMoney Market	1.90%	1.92%
Min Balance $250,000 Details Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; Balance: $250,000; $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. Qualifications to earn dividends: Must be enrolled in electronic statements (eStatements) with a valid email address; please see the Electronic Statement Disclosure in the Membership Agreement for further information on this product. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Money Market Accounts	1.70%	1.71%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
eMoney Market	1.70%	1.71%
Min Balance $100,000 Details Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; Balance: $100,000; $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. Qualifications to earn dividends: Must be enrolled in electronic statements (eStatements) with a valid email address; please see the Electronic Statement Disclosure in the Membership Agreement for further information on this product. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Money Market Accounts	1.50%	1.51%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
eMoney Market	1.50%	1.51%
Min Balance $50,000 Details Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; Balance: $50,000; $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. Qualifications to earn dividends: Must be enrolled in electronic statements (eStatements) with a valid email address; please see the Electronic Statement Disclosure in the Membership Agreement for further information on this product. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Money Market Accounts	1.34%	1.35%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
eMoney Market	1.34%	1.35%
Min Balance $25,000 Details Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; Balance: $25,000; $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. Qualifications to earn dividends: Must be enrolled in electronic statements (eStatements) with a valid email address; please see the Electronic Statement Disclosure in the Membership Agreement for further information on this product. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Money Market Accounts	1.29%	1.30%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
eMoney Market	1.29%	1.30%
Min Balance $10,000 Details Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; Balance: $10,000; $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. Qualifications to earn dividends: Must be enrolled in electronic statements (eStatements) with a valid email address; please see the Electronic Statement Disclosure in the Membership Agreement for further information on this product. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market	0.55%	0.55%
Min Balance $200,000 Details Balance: $200,000; $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 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000; $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 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000; $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 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market	0.35%	0.35%
Min Balance $25,000 Details Balance: $25,000; $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 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market	0.30%	0.30%
Min Balance $2,500 Details Balance: $2,500; $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 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

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: Personal accounts only, limit one account per tax identification number, and must be aged 18 years or older.; Have a share (membership) account with a minimum balance of $5.00,; Have 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,; The membership associated with Greater Checking account must elect to receive electronic statements (e-Statements) in lieu of paper statements by registering or linking for e-Statements with a valid email address,; Have a 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.; Balance: $0 - $20,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Greater CheckingTM (Qualifying)	0.10%	0.10%
Min Deposit $50 Min Balance $20,001 Details Qualifications Required: Personal accounts only, limit one account per tax identification number, and must be aged 18 years or older.; Have a share (membership) account with a minimum balance of $5.00,; Have 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,; The membership associated with Greater Checking account must elect to receive electronic statements (e-Statements) in lieu of paper statements by registering or linking for e-Statements with a valid email address,; Have a 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.; Balance: $20,001 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Greater Iowa Prestige CheckingTM	0.10%	0.10%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Greater Iowa Prestige CheckingTM	0.08%	0.08%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Premium Checking	0.07%	0.07%
Min Deposit $200 Min Balance $25,000 Details Balance: $25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Commercial+ Checking	0.05%	0.05%
Min Deposit $250 Min Balance $10,000 Details Fees could reduce earnings on account. Rates may vary after account is opened. APY is accurate as of date listed above. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Greater Iowa Prestige CheckingTM	0.05%	0.05%
Min Deposit $1,000 Min Balance $2,500 Details Balance: $2,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Premium Checking	0.05%	0.05%
Min Deposit $200 Min Balance $10,000 Details Balance: $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Essentials Checking	0.03%	0.03%
Min Deposit $100 Min Balance $2,500 Details Fees could reduce earnings on account. Rates may vary after account is opened. APY is accurate as of date listed above. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Commercial+ Checking	0.03%	0.03%
Min Deposit $250 Min Balance $2,500 Details Fees could reduce earnings on account. Rates may vary after account is opened. APY is accurate as of date listed above. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Greater Iowa Prestige CheckingTM	0.03%	0.03%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Premium Checking	0.03%	0.03%
Min Deposit $200 Min Balance $2,500 Details Balance: $2,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Essentials Checking	0.01%	0.01%
Min Deposit $100 Min Balance $500 Details Fees could reduce earnings on account. Rates may vary after account is opened. APY is accurate as of date listed above. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Greater CheckingTM (Non-Qualifying)	0.01%	0.01%
Min Deposit $50 Min Balance $0 Details Balance: Any Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Premium Checking	0.01%	0.01%
Min Deposit $200 Min Balance $200 Details Balance: $200 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

Greater Iowa Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed 1st Lien Position Loan	-	-	5.99%	180 months
Details As Low As; Example does not include any required taxes and insurance premiums. Any additional costs such as appraisal fees and title guaranty will be reviewed with member and included in closing costs, if required. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Fixed Rate Home Equity Loans	-	-	6.99%	121-180 months
Details As low as; Example: 180 monthly payments $449.20 for $50,000 borrowed at 6.99% APR Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

Greater Iowa Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
2016 and Older Used Autos or Motorcycles	-	-	9.59%	1-36 months
Details As low as 9.59% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
2016 and Older Used Autos or Motorcycles	-	-	10.09%	37-48 months
Details As low as 10.09% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

Greater Iowa Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat or Jet Ski Loan	-	7.99%	1-48 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Boat or Jet Ski Loan	-	8.99%	49-60 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Boat or Jet Ski Loan	-	9.99%	1-60 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Boat or Jet Ski Loan	-	10.99%	61-84 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

Greater Iowa Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	8.99%	1-12
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Personal Loans	9.99%	13-24
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Personal Loans	10.99%	25-36
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Personal Loans	11.49%	37-48
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Personal Loans	11.99%	49-60
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Personal Loans	15.99%	up to 24
Details As low as 15.99% for loans less than $2,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

Greater Iowa Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Primary Share	0.05%	-	0.05%
Min Balance $50 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Primary Share	0.05%	-	0.05%
Min Balance $2,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Primary Share	0.10%	-	0.10%
Min Balance $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Traditional IRA and Roth IRA	3.20%	-	3.25%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Other penalties may apply. Withdrawal of earnings could reduce APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Traditional IRA and Roth IRA	3.24%	-	3.29%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Other penalties may apply. Withdrawal of earnings could reduce APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Traditional IRA and Roth IRA	3.26%	-	3.31%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Other penalties may apply. Withdrawal of earnings could reduce APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Traditional IRA and Roth IRA	3.28%	-	3.33%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Other penalties may apply. Withdrawal of earnings could reduce APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Traditional IRA and Roth IRA	3.30%	-	3.35%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Other penalties may apply. Withdrawal of earnings could reduce APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

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Financial Health History

Greater Iowa Credit Union’s Texas Ratio rose from 2.05% in Q2 2023 to 7.52% in Q1 2026, so its financial health has weakened 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
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+
June 30, 2023	$643M	2.05%	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 140

Part-Time Employees 3

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

7.52%

Return on Assets (ROA)

0.1166%

Return on Equity (ROE)

1.2483%

Non-Performing Loans Ratio (NPL)

0.88%

Total Assets

701,484,366

Total Amount of Shares and Deposits

618,735,747

Total Shares and Deposits < 1 Year

618,167,921

Total Shares and Deposits 1 3 Years

479,318

Total Shares and Deposits > 3 Years

88,508

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

52,751,838

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

52,751,838

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

565,983,909

Total Interest Expense (Sum of items 6 8)

2,281,385

Share Certificates

3,700

Number of Accounts for Share Drafts

34,903

IRA KEOGH Accounts

432

Number of Accounts for Regular Shares

42,019

All other shares

797

Money Market Shares

1,362

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

817,727

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)

32,714,999

Total Liabilities

639,552,983

Source: NCUA — Last Updated 03/31/2026

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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       width="160" height="160">
</a>

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Greater Iowa Credit Union

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.

Current Greater Iowa Credit Union Rates

12-Month CD3.20%
18-Month CD3.25%
24-Month CD3.29%
60-Month CD3.35%
Savings0.05%
MMA0.30%

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

Compare to Other Credit Unions

Greater Iowa Credit Union Rates & Review September 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 Savings Rates

Greater Iowa Credit Union Money Market Rates

Greater Iowa Credit Union 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

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?

Current Greater Iowa Credit Union Rates

Compare to Other Credit Unions