Deposit Rates
The dividend rates, listed as Rate, earned on the share (savings) and Premium and Prestige Share Draft (checking) accounts are highly competitive.
The rates are declared by the Board of Directors and paid monthly.
Savings Account
| Rates for Share (Savings) Account |
| For balances: |
Rate |
APY (Annual Percentage Yield) |
| $0.00 - 50.00 |
0.000% |
0.00% |
| $50.01 - 2,499.99 |
0.349% |
0.35% |
| $2,500 - 9,999.99 |
0.449% |
0.45% |
| $10,000 and above |
0.747% |
0.75% |
High-Yield Money Market Account
| For balances: |
Rate |
APY (Annual Percentage Yield) |
| $2,500 - 24,999 |
1.243% |
1.25% |
| $25,000 - 49,999 |
1.490% |
1.50% |
| $50,000 - 99,999 |
1.982% |
2.00% |
| $100,000 - 199,999 |
2.227% |
2.25% |
| $200,000 and above |
2.472% |
2.50% |
Checking Accounts
| Rates for Premium Share Draft (Checking) Account |
| For balances: |
Rate |
APY (Annual Percentage Yield) |
| $0 - 199 |
0.000% |
0.00% |
| $200 - 2,499 |
0.100% |
0.10% |
| $2,500 - 9,999 |
0.150% |
0.15% |
| $10,000 - 24,999 |
0.200% |
0.20% |
| $25,000 and above |
0.300% |
0.30% |
| Rates for Prestige Share Draft (Checking) Account |
| For balances: |
Rate |
APY (Annual Percentage Yield) |
| $1,000 - 2,499 |
0.200% |
0.20% |
| $2,500 - 9,999 |
0.300% |
0.30% |
| $10,000 - 24,999 |
0.399% |
0.40% |
| $25,000 and above |
0.449% |
0.45% |
Share Certificates
| Special Share Certificates |
| Term: |
Minimum balance of: |
Rate |
APY (Annual Percentage Yield) |
| 11 month |
$500 |
2.667% |
2.70% |
| Relationship Rewards Share Certificates* |
| Term **: |
Minimum balance of:
|
Rate
|
APY (Annual Percentage Yield)
|
| 6 - 11 months |
$ 1,000 |
2.374% |
2.40% |
| |
$10,000 |
2.472% |
2.50% |
| |
$90,000 |
2.570% |
2.60% |
| 12 - 17 months |
$ 1,000 |
2.423% |
2.45% |
| |
$10,000 |
2.521% |
2.55% |
| |
$90,000 |
2.618% |
2.65% |
| 18 -23 months |
$ 1,000 |
2.472% |
2.50% |
| |
$10,000 |
2.570% |
2.60% |
| |
$90,000 |
2.667% |
2.70% |
| 24 -35 months |
$ 1,000 |
2.521% |
2.55% |
| |
$10,000 |
2.618% |
2.65% |
| |
$90,000 |
2.716% |
2.75% |
| 36 - 47 months |
$ 1,000 |
2.570% |
2.60% |
| |
$10,000 |
2.667% |
2.70% |
| |
$90,000 |
2.765% |
2.80% |
| 48 - 59 months |
$ 1,000 |
2.618% |
2.65% |
| |
$10,000 |
2.716% |
2.75% |
| |
$90,000 |
2.813% |
2.85% |
| 60 months |
$ 1,000 |
2.667% |
2.70% |
| |
$10,000 |
2.765% |
2.80% |
| |
$90,000 |
2.862% |
2.90% |
Member Business Checking
| Rates for Entrepreneur Checking |
| For balances: |
Rate |
APY (Annual Percentage Yield) |
| $0.00 - 999.99 |
0.000% |
0.00% |
| $1,000.00 and above |
0.150% |
0.15% |
| Rates for Business Checking |
| For balances: |
Rate |
APY (Annual Percentage Yield) |
| $0.00 - 999.99 |
0.000% |
0.00% |
| $1,000.00 and above |
0.150% |
0.15% |
| Rates for Commercial Checking |
| For balances: |
Rate |
APY (Annual Percentage Yield) |
| $0.00 - 999.99 |
0.000% |
0.00% |
| $1,000.00 and above |
0.150% |
0.15% |
| |
|
|
Individual Retirement Accounts
| Term: |
Minimum balance of: |
Rate |
APY (Annual Percentage Yield) |
| Traditional IRA Special Share Certificate |
| 11 month |
$4000 |
2.667% |
2.70% |
| Roth IRA Special Share Certificate |
| 11 month |
$4000 |
2.667% |
2.70% |
| Relationship Rewards Share Certificates* |
| Term**: |
Minimum balance of: |
Rate |
APY (Annual Percentage Yield) |
| Traditional IRA Standard Share Certificate |
| 18-35 Months |
$1000 |
2.472% |
2.50% |
| 36-59 Months |
$1000 |
2.716% |
2.75% |
| 60 Months |
$1000 |
2.960% |
3.00% |
| Roth IRA Standard Share Certificate |
| 18-35 Months |
$1000 |
2.472% |
2.50% |
| 36-59 Months |
$1000 |
2.716% |
2.75% |
| 60 Months |
$1000 |
2.960% |
3.00% |
Individual Retirement Account Savings
| |
For balancse |
Rate |
APY (Annual Percentage Yield) |
| Yeild Traditional IRA Savings |
| |
$0-9,999 |
1.243% |
1.25% |
| |
$10,000-49,999 |
1.490% |
1.50% |
| |
$50,000-99,999 |
1.982% |
2.00% |
| |
$100,00-249,999 |
2.227% |
2.25% |
| |
$250,000+ |
2.472% |
2.50% |
| High Yield Roth IRA Savings |
| |
$0-9,999 |
1.243% |
1.25% |
| |
$10,000-49,999 |
1.490% |
1.50% |
| |
$50,000-99,999 |
1.982% |
2.00% |
| |
$100,00-249,999 |
2.227% |
2.25% |
| |
$250,000+ |
2.472% |
2.50% |
* Rates and Annual Percentage Yields (APY) shown are minimums. Individual Rate and APY will vary based on member's current account relationships. Rates and terms subject to change.
** Custom terms available. Contact us for details.
Loan Rates
Annual Percentage Rate (APR) based on credit history. Rates subject to change.
Consumer Loans
| Autos-Pickups-Vans |
| |
APR (Annual Percentage Rate)
as low as: |
MONTHS |
| New (Previously financed for less than 120 days and less than 15,000 miles) |
| 4.99% |
01-48 |
| 4.99% |
49-60 |
| 5.99% |
61-72 |
New Car example, 60 monthly payments of $377.33 for $20,000 borrowed at 4.99%
| Used (Model years 07-04) |
5.24% |
1-36 |
| 5.24% |
37-48 |
| 5.24% |
49-60 |
| 5.99% |
61-72 |
Used(07-04) example, 60 monthly payments of $284.72 for $15,000 borrowed at 5.24%
| Used (Model years 03-01) |
5.99% |
1-24 |
| 6.49% |
25-36 |
| 6.99% |
37-48 |
Used(03-01) example, 48 monthly payments of $239.42 for $10,000 borrowed at 6.99%
| Used (Model year 2000 and less than 100,000 miles) |
6.99% |
1-12 |
| 7.49% |
13-24 |
| 7.99% |
25-36 |
Used(2000) example, 42 monthly payments of $234.99 for $7,500 borrowed at 7.99%
| Used (Model years 99 or older) Call for details |
Unsecured Loans
| Unsecured and Other Collateralized. Loans |
APR (Annual Percentage Rate)
as low as: |
MONTHS |
| 9.90% |
1-12 |
| 10.90% |
13-24 |
| 11.90% |
25-36 |
| 12.90% |
37-48 |
| 13.90% |
49-60 |
For example, 36 monthly payments of $165.83 for $5,000 borrowed at 11.90%
Home Equity Line of Credit
Call for details
Closed-end Home Equity
APR (Annual Percentage Rate)
as low as: |
MONTHS
|
| 4.99% |
1-36 |
| 5.99% |
37-60 |
| 6.49% |
61-84 |
| 6.99% |
85-120 |
| 4.99% |
up to 180/36 month balloon |
| 5.99% |
up to 180/60 month balloon |
| 6.99% |
up to 180/84 month balloon |
For example, 180 monthly payments of $449.13 for $50,000 borrowed at 6.99%
assuming 84-month balloon with resulting balloon balance of $33,404.10
Real Estate
Mortgage Loan Rates
Eligibility for lowest rate stated above is based on credit worthiness, ability to repay, credit score, down payment and term of loan.
Rates are subject to change without notice; printed matter distributed by Greater Iowa takes priority over Internet rates; fees could reduce
earnings. Call a Financial Service Representative at 515-232-6310 or 800-296-9064 for current rates, if applicable.
Some fees may apply, view our schedule of fees for details.
