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

Current rates for Greater Iowa Credit Union include: 12-Month CD: 0.15%, 18-Month CD: 0.55%, 24-Month CD: 0.20%, 36-Month CD: 0.30%, 60-Month CD: 0.60%, Savings: 0.00%, MMA: 0.30%, Personal Loan: 8.99%

Greater Iowa Credit Union Rates and Review February 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.

Content reviewed by

Brian McKay

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Greater Iowa Credit Union Deposit Rates

Greater Iowa Credit Union's 6 month Business Special CD rates are at 3.85%, Business Special CD 6 month rates are at 3.85%, Special CD 6 month rates are at 3.85%, 6 month Special CDs rates are at 3.85%, Traditional IRA and Roth IRA Special CDs 6 month rates are at 3.85%. 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%.

Greater Iowa Credit Union

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 by leaving a review below, or read customer reviews before you decide to use .

Greater Iowa Credit Union Texas Ratio

Greater Iowa Credit Union's Texas Ratio is at 8.63%, which is considered excellent. The Texas Ratio for Greater Iowa Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Greater Iowa Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.

MonitorBankRates Rating

5.0

Excellent

Out of 5.0 Stars

Greater Iowa Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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.

Overall, Greater Iowa Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Product

APY/APR

vs.Avg

12-Month CD

0.15%

2.38%

18-Month CD

0.55%

2.14%

24-Month CD

0.20%

2.17%

36-Month CD

0.30%

2.11%

48-Month CD

N/A

2.10%

60-Month CD

0.60%

2.23%

Savings

0.00%

0.60%

MMA

0.30%

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

8.99%

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Greater Iowa Credit Union
Ames Ops Center

1509 Baltimore Dr
Ames, IA 50010

https://www.gicu.org

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCELLENT

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Greater Iowa Credit Union CD Rates

Product	Rate	APY	Term
12 month Business Special Share Certificate	3.59%	3.65%	12 Months
Min Deposit$5,000 Last Updated 02/10/2026
Business Special Share Certificate 12 month	3.59%	3.65%	12 Months
Min Deposit$5,000 DetailsInterest compounded monthly unless paid directly to you. Early withdrawal penalty of 180 days of interest will be imposed. Early withdrawal penalty may be deducted from principal amount. Withdrawal of earnings could reduce APY. Last Updated 02/10/2026
Special Share Certificate 12 month	3.59%	3.65%	12 Months
Min Deposit$1,000 DetailsMinimum 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 02/10/2026
12 month Special Share Certificates	3.59%	3.65%	12 Months
Min Deposit$1,000 DetailsMinimum 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 02/10/2026
Traditional IRA and Roth IRA Special Share Certificates 12 month	3.59%	3.65%	12 Months
Min Deposit$1,000 DetailsMinimum 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 02/10/2026
Traditional IRA, Roth IRA, and ESA Standard Share Certificates 60 month	0.75%	0.75%	60 Months
Min Deposit$1,000 DetailsMinimum 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 02/10/2026
Traditional IRA, Roth IRA, and ESA Standard Share Certificates 36 month	0.70%	0.70%	36 Months
Min Deposit$1,000 DetailsMinimum 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 02/10/2026
60 month Share Certificate	0.60%	0.60%	60 Months
Min Deposit$1,000 Min Balance$1,000 DetailsMinimum 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. Withdrawal of earnings could reduce APY. Last Updated 02/10/2026
Share Certificate	0.55%	0.55%
Min Deposit$1,000 DetailsMinimum balance to earn stated APY: $1,000. Terms (Months): 48-59 Last Updated 02/10/2026
Traditional IRA, Roth IRA, and ESA Standard Share Certificates 18 month	0.55%	0.55%	18 Months
Min Deposit$1,000 DetailsMinimum 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 02/10/2026
Share Certificate	0.50%	0.50%
Min Deposit$1,000 DetailsMinimum balance to earn stated APY: $1,000. Terms (Months): 36-47 Last Updated 02/10/2026
Share Certificate	0.40%	0.40%
Min Deposit$1,000 DetailsMinimum balance to earn stated APY: $1,000. Terms (Months): 18-23 Last Updated 02/10/2026
Share Certificate	0.35%	0.35%
Min Deposit$1,000 DetailsMinimum balance to earn stated APY: $1,000. Terms (Months): 12-17 Last Updated 02/10/2026
25 to 36 month Business Share Certificate	0.30%	0.30%	25 to 36 months
Min Deposit$5,000 Details$5,000 minimum balance. 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. Last Updated 02/10/2026
Share Certificate	0.25%	0.25%
Min Deposit$1,000 DetailsMinimum balance to earn stated APY: $1,000. Terms (Months): 6-11 Last Updated 02/10/2026
13 to 24 month Business Share Certificate	0.20%	0.20%	13 to 24 months
Min Deposit$5,000 Details$5,000 minimum balance. 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. Last Updated 02/10/2026
6 to 12 month Business Share Certificate	0.15%	0.15%	6 to 12 months
Min Deposit$5,000 Details$5,000 minimum balance. 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. Last Updated 02/10/2026

Greater Iowa Credit Union Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	0.70%	0.70%
Min Balance$50,000 DetailsMinimum balance to open: $0. 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 02/10/2026
High Rate Savings Accounts for Individual Retirement Accounts and ESA Accounts High Yield ESA Savings	0.70%	0.70%
Min Balance$50,000 DetailsMinimum balance to open: $0. 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 02/10/2026
High Rate Savings Accounts for Individual Retirement Accounts and ESA Accounts High Yield Roth IRA and Traditional IRA Savings	0.70%	0.70%
Min Balance$250,000 DetailsMinimum balance to open: $0. 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 02/10/2026
High Yield ESA Savings	0.70%	0.70%
Min Deposit$50,000 Min Balance$50,000 DetailsMinimum balance to open: $0. 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 02/10/2026
High Yield Roth IRA and Traditional IRA Savings	0.70%	0.70%
Min Deposit$250,000 Min Balance$250,000 DetailsMinimum balance to open: $0. 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 02/10/2026
Health Savings Account (HSA)	0.65%	0.65%
Min Balance$25,000 DetailsMinimum balance to open: $0. 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 02/10/2026
High Rate Savings Accounts for Individual Retirement Accounts and ESA Accounts High Yield ESA Savings	0.65%	0.65%
Min Balance$25,000 DetailsMinimum balance to open: $0. 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 02/10/2026
High Rate Savings Accounts for Individual Retirement Accounts and ESA Accounts High Yield Roth IRA and Traditional IRA Savings	0.65%	0.65%
Min Balance$100,000 DetailsMinimum balance to open: $0. 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 02/10/2026
High Yield ESA Savings	0.65%	0.65%
Min Deposit$25,000 Min Balance$25,000 DetailsMinimum balance to open: $0. 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 02/10/2026
High Yield Roth IRA and Traditional IRA Savings	0.65%	0.65%
Min Deposit$100,000 Min Balance$100,000 DetailsMinimum balance to open: $0. 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 02/10/2026
Health Savings Account (HSA)	0.60%	0.60%
Min Balance$10,000 DetailsMinimum balance to open: $0. 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 02/10/2026
High Rate Savings Accounts for Individual Retirement Accounts and ESA Accounts High Yield ESA Savings	0.60%	0.60%
Min Balance$10,000 DetailsMinimum balance to open: $0. 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 02/10/2026
High Rate Savings Accounts for Individual Retirement Accounts and ESA Accounts High Yield Roth IRA and Traditional IRA Savings	0.60%	0.60%
Min Balance$50,000 DetailsMinimum balance to open: $0. 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 02/10/2026
High Yield ESA Savings	0.60%	0.60%
Min Deposit$10,000 Min Balance$10,000 DetailsMinimum balance to open: $0. 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 02/10/2026
High Yield Roth IRA and Traditional IRA Savings	0.60%	0.60%
Min Deposit$50,000 Min Balance$50,000 DetailsMinimum balance to open: $0. 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 02/10/2026
Health Savings Account (HSA)	0.45%	0.45%
Min Balance$100 DetailsMinimum balance to open: $0. 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 02/10/2026
High Rate Savings Accounts for Individual Retirement Accounts and ESA Accounts High Yield ESA Savings	0.45%	0.45%
Min Balance$100 DetailsMinimum balance to open: $0. 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 02/10/2026
High Rate Savings Accounts for Individual Retirement Accounts and ESA Accounts High Yield Roth IRA and Traditional IRA Savings	0.45%	0.45%
Min Balance$10,000 DetailsMinimum balance to open: $0. 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 02/10/2026
High Yield ESA Savings	0.45%	0.45%
Min Deposit$100 Min Balance$100 DetailsMinimum balance to open: $0. 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 02/10/2026
High Yield Roth IRA and Traditional IRA Savings	0.45%	0.45%
Min Deposit$10,000 Min Balance$10,000 DetailsMinimum balance to open: $0. 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 02/10/2026
High Rate Savings Accounts for Individual Retirement Accounts and ESA Accounts High Yield Roth IRA and Traditional IRA Savings	0.30%	0.30%
DetailsMinimum balance to open: $0. 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 02/10/2026
High Yield Roth IRA and Traditional IRA Savings	0.30%	0.30%
DetailsMinimum balance to open: $0. 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 02/10/2026
Share Accounts (Savings) - Primary and Secondary Shares	0.10%	0.10%
Min Deposit$10,000 Last Updated 02/10/2026
Business Share Accounts (Savings) - Primary and Secondary Shares	0.05%	0.05%
Min Deposit$5 Min Balance$5 Last Updated 02/10/2026
Share Accounts (Savings) - Primary and Secondary Shares	0.05%	0.05%
Min Deposit$50 Last Updated 02/10/2026
Health Savings Account (HSA)	-	0.00%
Min Deposit$0 Min Balance$0 DetailsMinimum balance to open: $0. 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 02/10/2026
High Rate Savings Accounts for Individual Retirement Accounts and ESA Accounts High Yield ESA Savings	-	0.00%
DetailsMinimum balance to open: $0. 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 02/10/2026
High Yield ESA Savings	-	0.00%
DetailsMinimum balance to open: $0. 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 02/10/2026

Greater Iowa Credit Union Money Market Rates

Product	Rate	APY
eMoney Market	2.25%	2.27%
Min Deposit$10,000 Min Balance$500,000 Details$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 02/10/2026
Business Money Market Account	2.20%	2.22%
Min Deposit$2,500 Min Balance$500,000 Details$2,500 required to open account. Fees could reduce earnings on account. Rates may vary after account is opened. APY is accurate as of date listed above. Last Updated 02/10/2026
eMoney Market	2.00%	2.02%
Min Deposit$10,000 Min Balance$250,000 Details$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 02/10/2026
Business Money Market Account	1.95%	1.97%
Min Deposit$2,500 Min Balance$250,000 Details$2,500 required to open account. Fees could reduce earnings on account. Rates may vary after account is opened. APY is accurate as of date listed above. Last Updated 02/10/2026
eMoney Market	1.80%	1.81%
Min Deposit$10,000 Min Balance$100,000 Details$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 02/10/2026
Business Money Market Account	1.76%	1.77%
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 account is opened. APY is accurate as of date listed above. Last Updated 02/10/2026
eMoney Market	1.60%	1.61%
Min Deposit$10,000 Min Balance$50,000 Details$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 02/10/2026
Business Money Market Account	1.50%	1.51%
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 account is opened. APY is accurate as of date listed above. Last Updated 02/10/2026
eMoney Market	1.44%	1.45%
Min Deposit$10,000 Min Balance$25,000 Details$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 02/10/2026
eMoney Market	1.39%	1.40%
Min Deposit$10,000 Min Balance$10,000 Details$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 02/10/2026
Business Money Market Account	1.34%	1.35%
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 account is opened. APY is accurate as of date listed above. Last Updated 02/10/2026
Business Money Market Account	1.29%	1.30%
Min Deposit$2,500 Min Balance$10,000 Details$2,500 required to open account. Fees could reduce earnings on account. Rates may vary after account is opened. APY is accurate as of date listed above. Last Updated 02/10/2026
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 02/10/2026
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 02/10/2026
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 02/10/2026
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 02/10/2026
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 02/10/2026

Greater Iowa Credit Union Checking Rates

Product	Rate	APY
Greater CheckingTM (Qualifying)	0.10%	0.10%
Min Deposit$20,001 DetailsMinimum balance to earn stated APY: $20,001 Last Updated 02/10/2026
Greater Iowa Prestige CheckingTM	0.10%	0.10%
Min Deposit$25,000 DetailsMinimum balance to earn stated APY: $25,000 Last Updated 02/10/2026
Greater Iowa Prestige CheckingTM	0.08%	0.08%
Min Deposit$10,000 DetailsMinimum balance to earn stated APY: $10,000 Last Updated 02/10/2026
Premium Checking	0.07%	0.07%
Min Deposit$25,000 DetailsMinimum balance to earn stated APY: $25,000 Last Updated 02/10/2026
Commercial+ Checking	0.05%	0.05%
Min Balance$10,000 Details$250 required to open account. $2,500 minimum balance required to avoid fees. 250 free items per month. Last Updated 02/10/2026
Greater Iowa Prestige CheckingTM	0.05%	0.05%
Min Deposit$2,500 DetailsMinimum balance to earn stated APY: $2,500 Last Updated 02/10/2026
Premium Checking	0.05%	0.05%
Min Deposit$10,000 DetailsMinimum balance to earn stated APY: $10,000 Last Updated 02/10/2026
Business Essentials Checking	0.03%	0.03%
Min Balance$2,500 Details$100 required to open account. $500 minimum balance required to avoid fees. 250 free items per month. Last Updated 02/10/2026
Commercial+ Checking	0.03%	0.03%
Min Balance$2,500 Details$250 required to open account. $2,500 minimum balance required to avoid fees. 250 free items per month. Last Updated 02/10/2026
Greater Iowa Prestige CheckingTM	0.03%	0.03%
Min Deposit$1,000 DetailsMinimum balance to earn stated APY: $1,000 Last Updated 02/10/2026
Premium Checking	0.03%	0.03%
Min Deposit$2,500 DetailsMinimum balance to earn stated APY: $2,500 Last Updated 02/10/2026
Business Essentials Checking	0.01%	0.01%
Min Balance$500 Details$100 required to open account. $500 minimum balance required to avoid fees. 250 free items per month. Last Updated 02/10/2026
Greater CheckingTM (Non-Qualifying)	0.01%	0.01%
Min Deposit$0 DetailsMinimum balance to earn stated APY: Any Last Updated 02/10/2026
Premium Checking	0.01%	0.01%
Min Deposit$200 DetailsMinimum balance to earn stated APY: $200 Last Updated 02/10/2026
Classic Checking	-	0.00%
Min Deposit$0 DetailsMinimum balance to earn stated APY: Any Last Updated 02/10/2026
Entrepreneur, Business, & Commercial Checking	-	0.00%
Min Deposit$1,000 DetailsMinimum balance to earn stated APY: $1,000 Last Updated 02/10/2026
Greater Iowa Basic Blue CheckingTM	-	0.00%
Min Deposit$0 DetailsMinimum balance to earn stated APY: Any Last Updated 02/10/2026
Greater Iowa Fresh Start Checking®	-	0.00%
Min Deposit$0 DetailsMinimum balance to earn stated APY: Any Last Updated 02/10/2026
GreaterBlue Checking	-	0.00%
Min Balance$0 Details$50 required to open account. $0 minimum balance required to avoid fees. 50 free items per month. Last Updated 02/10/2026

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
No additional details. Last Updated 02/10/2026
Home Equity Fixed 1st Lien Position Loan	-	-	5.99%	180 Months
No additional details. Last Updated 02/10/2026
Fixed Rate Home Equity Loan	-	-	6.24%	1-60 Months
No additional details. Last Updated 02/10/2026
Fixed Rate Home Equity Loan	-	-	6.74%	61-120 Months
No additional details. Last Updated 02/10/2026
Home Equity Line of Credit (HELOC) - 10 Year Draw Period Interest Only	-	-	6.75%	300 Months
DetailsVariable Rate tied to Prime. No fees are included as a percentage of the credit limit. Estimated dollar range of closing costs is $165 - $695. Maximum rate is 18.000%. No membership or annual fees apply. No minimum, fixes, transaction, activity or similar finance charges will be imposed. Last Updated 02/10/2026
Fixed Rate Home Equity Loan	-	-	7.24%	121-180 Months
No additional details. Last Updated 02/10/2026

Greater Iowa Credit Union Personal Loan Rates

Product	Rate	Points	APR	Term
Personal Loan	-	-	8.99%	1-12 Months
No additional details. Last Updated 02/10/2026
Personal Loans	-	-	8.99%	12 Months
No additional details. Last Updated 02/10/2026
Personal Loan	-	-	9.99%	13-24 Months
No additional details. Last Updated 02/10/2026
Personal Loans	-	-	9.99%	24 Months
No additional details. Last Updated 02/10/2026
Personal Loan	-	-	10.99%	25-36 Months
No additional details. Last Updated 02/10/2026
Personal Loans	-	-	10.99%	36 Months
No additional details. Last Updated 02/10/2026
Personal Loan	-	-	11.49%	37-48 Months
No additional details. Last Updated 02/10/2026
Personal Loans	-	-	11.49%	48 Months
No additional details. Last Updated 02/10/2026
Personal Loan	-	-	11.99%	49-60 Months
No additional details. Last Updated 02/10/2026
Personal Loans	-	-	11.99%	60 Months
No additional details. Last Updated 02/10/2026
Personal Loan	-	-	15.99%	up to 24 Months
Detailsfor loans less than $2,500 Last Updated 02/10/2026
Personal Loans less than	-	-	15.99%	24 Months
Details$2,500 Last Updated 02/10/2026

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

Full Time Employees: 138
Part Time Employees: 4
President: Robert Bowers
CEO: Scott Zahnle
Branch Locations: 9
ATM Locations: 9

Corporate Office Address:

1509 Baltimore Dr
Ames, IA 50010
Phone Number: 800-296-9064
Fax Number:

Financials

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

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Frequently Asked Questions About Greater Iowa Credit Union

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.

Is there a first-time homebuyer program?

Currently, Greater Iowa Credit Union provides a range of mortgage and home equity products.

Is Greater Iowa Credit Union a safe place to deposit money?

Yes, Greater Iowa Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.