Credit union · NCUA insured
Greater Iowa Credit Union Savings Rates
Greater Iowa Credit Union’s best savings rate is 1.30% APY on $10,000, with its eMoney Market. Rates checked October 16, 2026.
How Greater Iowa Credit Union’s savings 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
1.70%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $170
Greater Savings
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Iowa Trust
3.70%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $370
Greater Iowa Credit Union savings score
87
Savings score
Higher than 75% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.30%
- $100,000 balance$100,0001.71%
- QualifiedQualified1.70%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
eMoney Market
1.30%APY
Must be enrolled in electronic statements (eStatements) with a valid email address. Rates may vary after the account is opened.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 and upMust be enrolled in electronic statements (eStatements) with a valid email address. | 1.30% | $130 | Must be enrolled in electronic statements (eStatements) with a valid email address. |
| $25,000 and upMust be enrolled in electronic statements (eStatements) with a valid email address. | 1.35% | — | Must be enrolled in electronic statements (eStatements) with a valid email address. |
| $50,000 and upMust be enrolled in electronic statements (eStatements) with a valid email address. | 1.51% | — | Must be enrolled in electronic statements (eStatements) with a valid email address. |
| $100,000 and upMust be enrolled in electronic statements (eStatements) with a valid email address. | 1.71% | — | Must be enrolled in electronic statements (eStatements) with a valid email address. |
| $250,000 and upMust be enrolled in electronic statements (eStatements) with a valid email address. | 1.92% | — | Must be enrolled in electronic statements (eStatements) with a valid email address. |
| $500,000 and upMust be enrolled in electronic statements (eStatements) with a valid email address. | 2.17% | — | Must be enrolled in electronic statements (eStatements) with a valid email address. |
Sources (1)
- gicu.org/rates · captured Oct 9, 2026
Greater Savings
Up to 1.70%APY
Must be paired with a Greater Checking account. To qualify for higher dividend rates, the following requirements must post and settle prior to the last business day of the month: at least 20 debit card purchases totaling $100 (PIN or signature based), enrollment in e-statements, and either direct deposit of at least $100/month into Greater Checking or at least one payment made via Greater Iowa bill pay from Greater Checking.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Qualifying rate on balances up to $50,000 when Greater Checking qualification requirements are met. | 1.70% | $170 | Qualifying rate on balances up to $50,000 when Greater Checking qualification requirements are met. |
| Any balanceBase/non-qualifying rate earned on total balance if Greater Checking requirements are not met. | 0.05% | $5 | Base/non-qualifying rate earned on total balance if Greater Checking requirements are not met. |
| Over $50,000Qualifying rate on balances above $50,000 when Greater Checking qualification requirements are met. | 0.50% | — | Qualifying rate on balances above $50,000 when Greater Checking qualification requirements are met. |
Money Market
0.30%APY
Rates may vary after the account is opened.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.30% | $30 |
| $25,000 and up | 0.35% | — |
| $50,000 and up | 0.40% | — |
| $100,000 and up | 0.50% | — |
| $200,000 and up | 0.55% | — |
Sources (1)
- gicu.org/rates · captured Oct 9, 2026
Primary Savings
Up to 0.10%APY
A $5 minimum share balance is required to open and maintain Primary Share/Savings to establish credit union membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $50 | 0.05% | $5 |
| $2,500 and up | 0.05% | $5 |
| $10,000 and up | 0.10% | $10 |
Secondary Shares
Up to 0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $50 | 0.05% | $5 |
| $2,500 and up | 0.05% | $5 |
| $10,000 and up | 0.10% | $10 |
Sources (1)
- gicu.org/rates · captured Oct 9, 2026
Special-purpose accounts
Health Savings Account (HSA)
Up to 0.60%APY
Must be enrolled in a high-deductible health insurance plan, be 18 years old or older, not listed as a tax dependent, and not covered by another health insurance plan including Medicare.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.00% | $0 |
| $100 and up | 0.45% | $45 |
| $10,000 and up | 0.60% | $60 |
| $25,000 and up | 0.65% | — |
| $50,000 and up | 0.70% | — |
High Rate Savings Accounts for Individual Retirement Accounts
Up to 0.45%APY
High Yield Roth IRA and Traditional IRA Savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
| $10,000 and up | 0.45% | $45 |
| $50,000 and up | 0.60% | — |
| $100,000 and up | 0.65% | — |
| $250,000 and up | 0.70% | — |
Who can join Greater Iowa Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.