Rates

Loan Rates

APR (Annual Percentage Rate) is accurate as of December 1, 2024 and may change at any time. Other terms and products available. Please call for a personalized quote.

2022 and Newer Autos and Motorcycles**

APR*	Terms (Months)
As low as 5.49%	1-48
As low as 5.64%	49-60
As low as 5.79%	61-72
As low as 5.89%	73-84
Examples: 48 monthly payments of $348.78 for $15,000 borrowed at 5.49% APR 60 monthly payments of $383.32 for $20,000 borrowed at 5.64% APR 72 monthly payments of $411.85 for $25,000 borrowed at 5.79% APR 84 monthly payments of $582.24 for $40,000 borrowed at 5.89% APR **Less than 45,000 miles

2015-2021 Used Autos or Motorcycles**

APR*	Terms (Months)
As low as 5.99%	1-48
As low as 6.14%	49-60
As low as 6.24%	61-72
Examples: 48 monthly payments of $234.80 for $10,000 borrowed at 5.99% APR 60 monthly payments of $290.97 for $15,000 borrowed at 6.14% APR 72 monthly payments of $333.73 for $20,000 borrowed at 6.24% APR **Greater than 45,000 miles

2014 and Older Used Autos or Motorcycles

APR*	Terms (Months)
As low as 10.24%	1-36
As low as 10.74%	37-48
Examples: 36 monthly payments of $242.85 for $7,500 borrowed at 10.24% APR 48 monthly payments of $257.19 for $10,000 borrowed at 10.74% APR

Snowmobile or ATV - New

APR*	Terms (Months)
as low as 6.99%	1-36
as low as 7.99%	37-48
as low as 8.99%	49-60
Examples: 36 monthly payments of $30.87 per $1,000 borrowed at 6.99% APR. 48 monthly payments of $24.41 per $1,000 borrowed at 7.99% APR. 60 monthly payments of $20.75 per $1,000 borrowed at 8.99%APR.

Snowmobile or ATV - Used

APR*	Terms (Months)
as low as 7.99	1-24
as low as 8.99%	25-36
Examples: 24 monthly payments of $45.22 per $1,000 borrowed at 7.99% APR. 36 monthly payments of $31.80 per $1,000 borrowed at 8.99% APR.

Boat or Jet Ski - New

APR*	Terms (Months)
as low as 7.24%	1-60
as low as 8.24%	61-84
Examples: 60 monthly payments of $19.91 per $1,000 borrowed at 7.24% APR. 84 monthly payments of $15.71 per $1,000 borrowed at 8.24% APR.

Boat or Jet Ski - Used

APR*	Terms (Months)
as low as 7.99%	1-48
as low as 8.99%	49-60
Examples: 48 monthly payments of $24.41 per $1,000 borrowed at 7.99% APR. 60 monthly payments of $20.75 per $1,000 borrowed at 8.99% APR.

Motorhome or Travel Trailer - New

APR*	Terms (Months)
as low as 7.99%	1-60
as low as 8.74%	61-84
as low as 9.74%	85-120
Examples: 60 monthly payments of $20.27 per $1,000 borrowed at 7.99% APR. 84 monthly payments of $15.96 per $1,000 borrowed at 8.74% APR. 120 monthly payments of $13.07 per $1,000 borrowed at 9.74% APR.

Motorhome or Travel Trailer - Used

APR*	Terms (Months)
as low as 9.99%	1-60
as low as 10.99%	61-84
Examples: 60 monthly payments of $21.24 per $1,000 borrowed at 9.99% APR. 84 monthly payments of $17.12 per $1,000 borrowed at 10.99% APR.

Personal Loans

APR*	Terms (Months)
As low as 8.99%	1-12
As low as 9.99%	13-24
As low as 10.99%	25-36
As low as 11.49%	37-48
As low as 11.99%	49-60
As low as 15.99% for loans less than $2,500	up to 24
Example: 12 monthly payments of $218.62 for $2,500 borrowed at 8.99% APR 24 monthly payments of $161.49 for $3,500 borrowed at 9.99% APR 36 monthly payments of $163.67 for $5,000 borrowed at 10.99% APR 48 monthly payments of $195.63 for $7,500 borrowed at 11.49% APR 60 monthly payments of $222.39 for $10,000 borrowed at 11.99% APR 12 monthly payments of $90.73 for $1,000 borrowed at 15.99% APR

Clear in [10]™ - Home Equity Fixed 1st Lien Position Loan

APR*	Terms (Months)
as low as 5.99%	120
Example: $50,000 borrowed for 120 months at 5.99% APR, the monthly payment will be $554.85. • Example does not include any required taxes and insurance premiums. • Any additional costs such as appraisal fees and title guaranty will be reviewed with member and included in closing costs, if required.

Free in [15] - Home Equity Fixed 1st Lien Position Loan

APR*	Terms (Months)
as low as 6.24%	180
Example: $50,000 borrowed for 180 months at 6.24% APR, the monthly payment will be $428.44. • Example does not include any required taxes and insurance premiums. • Any additional costs such as appraisal fees and title guaranty will be reviewed with member and included in closing costs, if required.

APR*

Terms (Months)

as low as 6.24%

180

Example:
$50,000 borrowed for 180 months at 6.24% APR, the monthly payment will be $428.44.

• Example does not include any required taxes and insurance premiums.
• Any additional costs such as appraisal fees and title guaranty will be reviewed with member and included in closing costs, if required.

Fixed Rate Home Equity Loans

APR*	Terms (Months)
as low as 6.49%	1-60
As low as 6.99%	61-120
As low as 7.49%	121-180
Example: 36 monthly payments of $306.44 for $10,000 borrowed at 6.49% APR 60 monthly payments of $395.93 for $20,000 borrowed at 6.99% APR 120 monthly payments $593.25 for $50,000 borrowed at 7.49% APR

Home Equity Line of Credit (HELOC) - 10 Year Draw Period Interest Only

APR*	Terms (Months)
as low as 7.75%	300
Example: Monthly payments of $64.58 for $10,000 borrowed at 7.75% APR during draw period. • Variable Rate tied to Prime • No fees are included as a percentage of the credit limit. • Estimated dollar range of closing costs is $165 - $695 • Maximum rate is 18.000% • No membership or annual fees apply. • No minimum, fixes, transaction, activity or similar finance charges will be imposed.

APR*

Terms (Months)

as low as 7.75%

300

Example:
Monthly payments of $64.58 for $10,000 borrowed at 7.75% APR during draw period.
• Variable Rate tied to Prime
• No fees are included as a percentage of the credit limit.
• Estimated dollar range of closing costs is $165 - $695
• Maximum rate is 18.000%
• No membership or annual fees apply.
• No minimum, fixes, transaction, activity or similar finance charges will be imposed.

Mortgage Loans

Call or click here for rates and terms. Real estate closing costs/fees vary based on loan amount, location and type of loan. Contact a real estate associate for actual costs for your specific loan.

Deposit Rates

APY (Annual Percentage Yield) is accurate as of December 1, 2024. Rates/APY may change at any time.

Special Share Certificates - Special rates and special features

Minimum balance to earn stated APY	Rate	APY	Terms (Months)
Special Share Certificates - Special rates and special features

$1000	4.27%	4.35%	6
$1000	4.07%	4.15%	12
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.

Share Draft (Checking) Accounts

Minimum balance to earn stated APY	Rate	APY
Greater Checking™ (Qualifying)**
$0 - $20,000	4.89%	5.00%
$20,001	0.10%	0.10%
Greater Checking™ (Non-Qualifying)**
Any	0.01%	0.01%
Classic Checking
Any	0.00%	0.00%
Premium Checking
$200	0.01%	0.01%
$2,500	0.03%	0.03%
$10,000	0.05%	0.05%
$25,000	0.07%	0.07%
Greater Iowa Prestige Checking™
$1,000	0.03%	0.03%
$2,500	0.05%	0.05%
$10,000	0.08%	0.08%
$25,000	0.10%	0.10%
Greater Iowa Fresh Start Checking®
Any	0.00%	0.00%
Greater Iowa Basic Blue Checking™
Any	0.00%	0.00%
Entrepreneur, Business, & Commercial Checking
$1,000	0.00%	0.00%
$50 required to open Greater Checking, Classic and Premium accounts. $1000 required to open Prestige account. $0 required to open Basic Blue and Second Chance accounts. $100 required to open Entrepreneur account. $500 required to open Business account. $1000 required to open Commercial account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above. **Greater Checking qualifications to earn higher dividend rate: Personal accounts only, limit one account per tax identification number, and must be aged 18 years or older. These requirements must be met, post, and settle during the monthly qualification cycle in order to receive the high dividend rate and other benefits: • Have a share (membership) account with a minimum balance of $5.00, • Have at least twenty (20) debit card purchases totaling $100 (PIN based or signature based) from Greater Iowa debit card, and the purchases must post and settle prior to the close of business on the last business day of the month, • The membership associated with Greater Checking account must elect to receive electronic statements (e-Statements) in lieu of paper statements by registering or linking for e-Statements with a valid email address, • Have a direct deposit of at least $100 per month in the Greater Checking account or at least one payment made via Greater Iowa bill pay from the Greater Checking account (internal transfers are excluded and do not qualify) prior to the close of business on the last business day of the month. If eligibility requirements are met for the monthly cycle, all ATM-use fees assessed by Greater Iowa or other financial institutions for using a non-credit union machine will be refunded up to a maximum of $10.00 per month. This does not include insufficient funds fees (NSFs) or uncollected funds fees. ATM-use fee refunds will be credited to your account by the 5th of the following month.

Greater Savings

Minimum balance to earn stated APY	Rate	APY
Greater Savings (Qualifying)
$0-$50,000	1.69%	1.70%¹
$50,000.01	0.50%	0.50%¹
Greater Savings (Non-Qualifying)
All Balances	0.05%	0.05%¹
1 1.70% Annual Percentage Yield (APY) paid on balances up to $50,000 with 0.50% APY paid on all amounts above $50,000 each cycle requirements are met. If requirements are not met, 0.05% APY earned on total balance. APY subject to change. Requirements for stated rate are to have a Greater Checking account that meets the qualifying requirements for the high dividend rate in the Greater Checking account prior to the last business day of the month, which are: 1) have at least twenty debit card purchases totaling $100 (PIN or signature based) post and settle, 2) have either a direct deposit of at least $100 per month into the Greater Checking or at least one payment made via Greater Iowa bill pay from the Greater Checking account, and 3) elect to receive electronic statements.

Share Accounts (Savings) - Primary and Secondary Shares

Minimum balance to earn stated APY	Rate	APY
$50.01	0.05%	0.05%
$2,500	0.05%	0.05%
$10,000	0.10%	0.10%
$5 minimum share balance required to open and maintain Primary Share. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of date listed above.

Money Market Accounts

Minimum balance to earn stated APY	Rate	APY
eMoney Market
$10,000	1.39%	1.40%
$25,000	1.44%	1.45%
$50,000	1.60%	1.61%
$100,000	1.80%	1.81%
$250,000	2.00%	2.02%
$500,000	2.25%	2.27%
$10,000 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above. Qualifications to earn dividends: Must be enrolled in electronic statements (eStatements) with a valid email address; please see the Electronic Statement Disclosure in the Membership Agreement for further information on this product.
Money Market
$2,500	0.30%	0.30%
$25,000	0.35%	0.35%
$50,000	0.40%	0.40%
$100,000	0.50%	0.50%
$200,000	0.55%	0.55%
$2,500 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.

Share Certificates

Minimum balance to earn stated APY	Rate	APY	Terms (Months)
$1,000	0.25%	0.25%	6-11
$10,000	0.25%	0.25%	6-11
$90,000	0.25%	0.25%	6-11
$1,000	0.35%	0.35%	12-17
$10,000	0.35%	0.35%	12-17
$90,000	0.35%	0.35%	12-17
$1,000	0.40%	0.40%	18-23
$10,000	0.40%	0.40%	18-23
$90,000	0.40%	0.40%	18-23
$1,000	0.40%	0.40%	24-35
$10,000	0.40%	0.40%	24-35
$90,000	0.40%	0.40%	24-35
$1,000	0.50%	0.50%	36-47
$10,000	0.50%	0.50%	36-47
$90,000	0.50%	0.50%	36-47
$1,000	0.55%	0.55%	48-59
$10,000	0.55%	0.55%	48-59
$90,000	0.55%	0.55%	48-59
$1,000	0.60%	0.60%	60
$10,000	0.60%	0.60%	60
$90,000	0.60%	0.60%	60
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.

Individual Retirement Account Special Share Certificates

Minimum balance to earn stated APY	Rate	APY	Terms (Months)
Traditional IRA and Roth IRA Special Share Certificates
$1,000	4.27%	4.35%	6
$1,000	4.07%	4.15%	12
$100,000	4.07%	4.07%	12
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.

Individual Retirement Accounts and Standard ESA Share Certificates

Minimum balance to earn stated APY	Rate	APY	Terms (Months)
Traditional IRA, Roth IRA, and ESA Standard Share Certificates
$1,000	0.55%	0.55%	18-35
$1,000	0.70%	0.70%	36-59
$1,000	0.75%	0.75%	60
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.

High Rate Savings Accounts for Individual Retirement Accounts and ESA Accounts

Minimum balance to earn stated APY	Rate	APY
High Yield Roth IRA and Traditional IRA Savings
$0	0.30%	0.30%
$10,000	0.45%	0.45%
$50,000	0.60%	0.60%
$100,000	0.65%	0.65%
$250,000	0.70%	0.70%
High Yield ESA Savings
$0	0.00%	0.00%
$100	0.45%	0.45%
$10,000	0.60%	0.60%
$25,000	0.65%	0.65%
$50,000	0.70%	0.70%
Minimum balance to open: $0. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.

Health Savings Account (HSA)

Minimum balance to earn stated APY	Rate	APY
$0	0.00%	0.00%
$100	0.45%	0.45%
$10,000	0.60%	0.60%
$25,000	0.65%	0.65%
$50,000	0.70%	0.70%
Minimum balance to open: $0 Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.

Business Rates

APY (Annual Percentage Yield) is accurate as of December 1, 2024. Rates/APY may change at any time.

Business Share Accounts (Savings) - Primary and Secondary Shares

Minimum balance to earn stated APY	Rate	APY
$5.00	0.05%	0.05%
$5 minimum share balance required to open and maintain primary Share. Fees could reduce earnings on account. Rates may vary after account is opened. APY is accurate as of date listed above.

Business Money Market Accounts

Minimum balance to earn stated APY	Rate	APY
$10,000	1.29%	1.30%
$25,000	1.34%	1.35%
$50,000	1.50%	1.51%
$100,000	1.76%	1.77%
$250,000	1.95%	1.97%
$500,000	2.20%	2.22%
$2,500 required to open account. Fees could reduce earnings on account. Rates may vary after account is opened. APY is accurate as of date listed above.

Business Checking Accounts

Minimum balance to earn stated APY	Rate	APY
GreaterBlue Checking
Any	0.00%	0.00%
Business Essentials Checking
$500	0.01%	0.01%
$2,500	0.03%	0.03%
Commercial+ Checking
$2,500	0.03%	0.03%
$10,000	0.05%	0.05%
Account Details GreaterBlue Checking: $50 required to open account. $0 minimum balance required to avoid fees. 50 free items per month. Business Essentials: $100 required to open account. $500 minimum balance required to avoid fees. 250 free items per month. Commercial Checking+: $250 required to open account. $2,500 minimum balance required to avoid fees. 250 free items per month. Fees could reduce earnings on account. Rates may vary after account is opened. APY is accurate as of date listed above.

Business Share Certificates

Minimum balance to earn stated APY	Rate	APY
6 to 12 months
$5,000	0.15%	0.15%
$25,000	0.15%	0.15%
$100,000	0.15%	0.15%
13 to 24 months
$5,000	0.20%	0.20%
$25,000	0.20%	0.20%
$100,000	0.20%	0.20%
25 to 36 months
$5,000	0.30%	0.30%
$25,000	0.30%	0.30%
$100,000	0.30%	0.30%
$5,000 minimum balance. Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed.

Business Special Share Certificates

Minimum balance to earn stated APY	Rate	APY	Terms (Months)
$5,000	4.27%	4.35%	6
$5,000	4.07%	4.15%	12
$100,000	4.07%	4.15%	12
Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 180 days of interest will be imposed. Early withdrawal penalty may be deducted from principal amount. Withdrawal of earnings could reduce APY.

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