Savings Account

Like most of us, you’ll spend most of your life making money – but the real work lies in keeping the money you’ve earned. That’s why we have an array of savings options that make your money work as hard as you do.

Saving with Greater Iowa

Primary Share (savings)

This is where it all starts. Open your Primary Share Account with just $5 and you’re a member! And start earning dividends when your savings amount reaches over $50.

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Secondary Share (savings)

In addition to your Primary Share that makes you a member, we also have Secondary Savings Accounts – and you can open as many as you’d like. Many members use direct deposit with these accounts to save money separately for specific purposes.

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Share Certificates

Same as CDs – but with a little different name and just a little bit better. As in better rates, more options and flexibility in accessing your money if you need it.

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Money Market Account

Our Money Market Account is called ‘high yield’ for a reason – the more you deposit, the more you make. Unlike many other Money Market accounts, you can have access to your money up to six times per month without any fees.

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eMoney Market Account

Attractive option for members looking for a high performing account. The main qualifications are simple; a minimum balance of $10,000, as well as enrollment in electronic statements (e-Statements).

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Whether you go Traditional for tax relief purposes, Roth for potential tax advantages during retirement or Coverdell Educational Savings Accounts (ESA), you’ll get a solid rate of return that’s insured by The National Credit Union Association for up to $250,000. In other words, a safe nest egg you can build upon.

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Health Savings Account

A Health Savings Account (HSA) is a tax-free way to save and pay for medical expenses – especially if you carry a high-deductible health insurance plan – by placing pre-tax funds into your HSA. Many members elect to auto-deposit a certain percentage of their pay into their HSA year-round.


  • When applied to qualified medical expenses, all withdrawals are tax free
  • Contributions are 100 percent deductible
  • Provides the option to choose a lower cost health care plan
  • Your earned interest is tax-deferred
  • You own your account, and your unused balance can be carried from year to year, earning interest.


  • Must be enrolled in a high-deductible health insurance plan
  • Must be 18 years old or older and not listed as a tax dependent
  • Cannot be covered by another health insurance plan, including Medicare

There are limits to how much you can contribute. You should consult your tax advisor with any questions about the tax benefits and tax liabilities associated with an HSA.

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