Credit union · NCUA insured
GreenState Credit Union Savings Rates
GreenState Credit Union’s best savings rate is 3.40% APY on $10,000, with its Exclusive Money Market. Rates checked October 16, 2026.
How GreenState Credit Union’s savings rates compare
Compared with banks and credit unions near Des Moines, IA, where GreenState Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
GreenState Credit Union
1.45%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $145
Impact Money Market
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Iowa Trust
3.70%APY
- Minimum
- $100
- Earns on $10,000 a year
- $370
GreenState Credit Union savings score
86
Savings score
Higher than 75% of U.S. banks and credit unions
- $10,000 balance$10,0001.45%
- $100,000 balance$100,0001.85%
- QualifiedQualified1.45%
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 GreenState 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.
Investor Money Market
Up to 4.25%APY
New Account Special / New Money Only. $10,000 minimum to open. Variable rate, but promotional rate will not be lowered for the first six-month end dividend cycles after account opening. After 6 months the yield converts to APY offered at that time. APY determined based on average daily balance maintained for the month. Membership required with a minimum $5 share deposit. Funds must not be currently on deposit at GreenState. At least 60 calendar days have elapsed since any funds moved from GreenState to another financial institution are redeposited with GreenState. No more than seven calendar days have elapsed since opening a Share into which funds are moved after being deposited to a depository account type. Offer is void if member currently has or previously had an Investor Money Market Account. Not eligible for public or brokered deposits. $10.00 per withdrawal or transfer after 3 per month. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $99,999Promotional rate for 6 months. After 6 months converts to APY offered at that time (currently 3.00% APY). Offer void if member currently has or previously had an Investor Money Market Account. | 4.25% | $425 | Promotional rate for 6 months. After 6 months converts to APY offered at that time (currently 3.00% APY). Offer void if member currently has or previously had an Investor Money Market Account. |
| $10,000 – $99,999Standard ongoing rate after 6-month promotional period ends. | 3.00% | $300 | Standard ongoing rate after 6-month promotional period ends. |
| $100,000 – $249,999Promotional rate for 6 months. After 6 months converts to APY offered at that time (currently 3.10% APY). Offer void if member currently has or previously had an Investor Money Market Account. | 4.25% | — | Promotional rate for 6 months. After 6 months converts to APY offered at that time (currently 3.10% APY). Offer void if member currently has or previously had an Investor Money Market Account. |
| $100,000 – $249,999Standard ongoing rate after 6-month promotional period ends. | 3.10% | — | Standard ongoing rate after 6-month promotional period ends. |
| $250,000 – $499,999Promotional rate for 6 months. After 6 months converts to APY offered at that time (currently 3.20% APY). Offer void if member currently has or previously had an Investor Money Market Account. | 4.25% | — | Promotional rate for 6 months. After 6 months converts to APY offered at that time (currently 3.20% APY). Offer void if member currently has or previously had an Investor Money Market Account. |
| $250,000 – $499,999Standard ongoing rate after 6-month promotional period ends. | 3.20% | — | Standard ongoing rate after 6-month promotional period ends. |
| $500,000 – $999,999Promotional rate for 6 months. After 6 months converts to APY offered at that time (currently 3.25% APY). Offer void if member currently has or previously had an Investor Money Market Account. | 4.25% | — | Promotional rate for 6 months. After 6 months converts to APY offered at that time (currently 3.25% APY). Offer void if member currently has or previously had an Investor Money Market Account. |
| $500,000 – $999,999Standard ongoing rate after 6-month promotional period ends. | 3.25% | — | Standard ongoing rate after 6-month promotional period ends. |
| $1,000,000 and upPromotional rate for 6 months. After 6 months converts to APY offered at that time (currently 3.35% APY). Offer void if member currently has or previously had an Investor Money Market Account. | 4.25% | — | Promotional rate for 6 months. After 6 months converts to APY offered at that time (currently 3.35% APY). Offer void if member currently has or previously had an Investor Money Market Account. |
| $1,000,000 and upStandard ongoing rate after 6-month promotional period ends. | 3.35% | — | Standard ongoing rate after 6-month promotional period ends. |
Sources (1)
- greenstate.org/checking-savings/savings/money-market · captured Oct 16, 2026
Exclusive Money Market
3.40%APY
Deposit restrictions apply: deposits must originate from a GreenState Certificate that has matured and within the 10-day grace period. Additional deposits from maturing certificates to this account may be restricted and not guaranteed. There is no limit on the number of withdrawals allowed per month. APY for balances less than $1,000 is 0.00%. Membership required with a $5 share savings deposit. Variable rate determined based on average daily balance maintained for the month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $99,999 | 3.40% | $340 |
| $100,000 – $249,999 | 3.45% | — |
| $250,000 – $499,999 | 3.50% | — |
| $500,000 and up | 3.55% | — |
Sources (1)
- greenstate.org/learn/rates/money-market-account-rates · captured Oct 5, 2026
Impact Money Market
1.45%APY
Membership required with a minimum $5 share deposit. Variable rate determined based on average daily balance maintained for the month. $10.00 per withdrawal or transfer after 6 per month. Minimum $2,500 daily balance to avoid $10 monthly service fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $49,999Minimum $2,500 daily balance to avoid $10 monthly service fee. | 1.45% | $145 | Minimum $2,500 daily balance to avoid $10 monthly service fee. |
| $50,000 – $99,999Minimum $2,500 daily balance to avoid $10 monthly service fee. | 1.65% | — | Minimum $2,500 daily balance to avoid $10 monthly service fee. |
| $100,000 – $249,999Minimum $2,500 daily balance to avoid $10 monthly service fee. | 1.85% | — | Minimum $2,500 daily balance to avoid $10 monthly service fee. |
| $250,000 – $499,999Minimum $2,500 daily balance to avoid $10 monthly service fee. | 2.05% | — | Minimum $2,500 daily balance to avoid $10 monthly service fee. |
| $500,000 – $999,999Minimum $2,500 daily balance to avoid $10 monthly service fee. | 2.25% | — | Minimum $2,500 daily balance to avoid $10 monthly service fee. |
| $1,000,000 and upMinimum $2,500 daily balance to avoid $10 monthly service fee. | 2.45% | — | Minimum $2,500 daily balance to avoid $10 monthly service fee. |
Sources (1)
- greenstate.org/learn/rates/money-market-account-rates · captured Oct 5, 2026
Special-purpose accounts
Exclusive IRA Money Market
3.40%APY
Deposit restrictions apply: deposits must originate from a GreenState Certificate that has matured and within the 10-day grace period. Additional deposits from maturing certificates to this account may be restricted and not guaranteed. There is no limit on the number of withdrawals allowed per month. APY for balances less than $1,000 is 0.00%. Membership required with a $5 share savings deposit. Variable rate determined based on average daily balance maintained for the month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $99,999 | 3.40% | $340 |
| $100,000 – $249,999 | 3.45% | — |
| $250,000 – $499,999 | 3.50% | — |
| $500,000 and up | 3.55% | — |
Sources (1)
- greenstate.org/learn/rates/money-market-account-rates · captured Oct 5, 2026
HSA Money Market Account
0.45%APY
Membership required with a minimum $5 share deposit. Variable rate determined based on average daily balance maintained for the month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $4,999 | 0.05% | — |
| $5,000 – $24,999 | 0.45% | $45 |
| $25,000 – $49,999 | 0.75% | — |
| $50,000 – $99,999 | 0.75% | — |
| $100,000 – $499,999 | 0.85% | — |
| $500,000 and up | 1.15% | — |
Sources (1)
- greenstate.org/learn/rates/money-market-account-rates · captured Oct 5, 2026
IRA Money Market Account
0.45%APY
Membership required with a minimum $5 share deposit. Variable rate determined based on average daily balance maintained for the month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $4,999 | 0.05% | — |
| $5,000 – $24,999 | 0.45% | $45 |
| $25,000 – $49,999 | 0.75% | — |
| $50,000 – $99,999 | 0.75% | — |
| $100,000 – $499,999 | 0.85% | — |
| $500,000 and up | 1.15% | — |
Sources (1)
- greenstate.org/learn/rates/money-market-account-rates · captured Oct 5, 2026
Closed to new customers
Elite Money Market
3.00%APY
Closed to new investors. Membership required with a $5 share savings deposit. Variable rate determined based on average daily balance maintained for the month. $10.00 per withdrawal or transfer after 3 per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10,000 – $99,999 | 3.00% | $300 |
| $100,000 – $249,999 | 3.10% | — |
| $250,000 – $499,999 | 3.20% | — |
| $500,000 – $999,999 | 3.25% | — |
| $1,000,000 – $14,999,999 | 3.35% | — |
| $15,000,000 and up | 0.00% | — |
Sources (1)
- greenstate.org/learn/rates/money-market-account-rates · captured Oct 5, 2026
Green Account
0.75%APY
Closed to new investors. Membership required with a $5 share savings deposit. Variable rate determined based on average daily balance maintained for the month. $10.00 per withdrawal or transfer after 3 per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10,000 – $99,999 | 0.75% | $75 |
| $100,000 – $249,999 | 0.85% | — |
| $250,000 – $499,999 | 1.05% | — |
| $500,000 – $999,999 | 1.25% | — |
| $1,000,000 and up | 1.40% | — |
Sources (1)
- greenstate.org/learn/rates/money-market-account-rates · captured Oct 5, 2026
Mega Money Market
Up to 0.50%APY
Closed to new investors. Membership required with a $5 share savings deposit. Variable rate determined based on average daily balance maintained for the month. $10.00 per withdrawal or transfer after 3 per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25,000 – $49,999 | 0.15% | — |
| $50,000 – $99,999 | 0.25% | — |
| $100,000 – $249,999 | 0.35% | — |
| $250,000 and up | 0.50% | — |
Sources (1)
- greenstate.org/learn/rates/money-market-account-rates · captured Oct 5, 2026
Who can join GreenState Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.