Credit union · NCUA insured
Greater Iowa Credit Union CD Rates
Greater Iowa Credit Union’s best CD rate is 4.30% APY on a 15-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Greater Iowa Credit Union’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Greater Iowa Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Greater Iowa Credit Union
4.30%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $540
Special Share Certificates
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Union State Bank
4.61%APY
- Term
- 27 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $1,067
Greater Iowa Credit Union CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo3.29%
- 31–60 months31–60 mo3.35%
- QualifiedQualified4.30%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Greater Iowa Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special Share Certificates
Up to 4.30%APY · 3 terms
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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsSpecial Share Certificates - Special rates and special features. Early withdrawal penalty of 90 days of interest will be imposed on certificates with a term of one year or less | 3.75% | $217 |
| 11 monthsSpecial Share Certificates - Special rates and special features. Early withdrawal penalty of 90 days of interest will be imposed on certificates with a term of one year or less | 4.25% | $389 |
| 15 monthsSpecial Share Certificates - Special rates and special features. Early withdrawal penalty of 180 days of interest on certificates with a term greater than one year | 4.30% | $540 |
Share Certificates
Up to 3.35%APY · 7 terms
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. Withdrawal of earnings could reduce APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.14% | $156 |
| 12 months | 3.20% | $320 |
| 18 months | 3.25% | $491 |
| 24 months | 3.29% | $669 |
| 36 months | 3.31% | $1,026 |
| 48 months | 3.33% | $1,400 |
| 60 months | 3.35% | $1,791 |
Sources (1)
- gicu.org/rates · captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account Special Share Certificates
Up to 4.20%APY · 3 terms
Traditional IRA and Roth IRA Special Share Certificates. 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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsTraditional IRA and Roth IRA Special Share Certificates | 3.75% | $217 |
| 11 monthsTraditional IRA and Roth IRA Special Share Certificates | 4.20% | $384 |
| 15 monthsTraditional IRA and Roth IRA Special Share Certificates | 4.05% | $509 |
Sources (1)
- gicu.org/rates · captured Oct 16, 2026
Individual Retirement Accounts (IRA Certificates)
Up to 3.35%APY · 5 terms
Traditional IRA and Roth IRA. 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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsTraditional IRA and Roth IRA | 3.25% | $491 |
| 24 monthsTraditional IRA and Roth IRA | 3.29% | $669 |
| 36 monthsTraditional IRA and Roth IRA | 3.31% | $1,026 |
| 48 monthsTraditional IRA and Roth IRA | 3.33% | $1,400 |
| 60 monthsTraditional IRA and Roth IRA | 3.35% | $1,791 |
Who can join Greater Iowa Credit Union
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