Westown Early Closure: Our Westown branch will be closing at 3pm on Friday, October 4th for an event. All other GICU branches will be open their regular business hours during this time. Our Westown branch will resume regular business hours on Saturday, October 5th.
Greater Checking Unleashed.
When you open a new Greater Checking account you earn greater dividends, which are paid when eligibility requirements are met. Learn more
Greater Savings
Earn more with your money by opening a GICU Greater Savings account when you pair it with your GICU Greater Checking. Learn more here!
Loans made just for you.
Get the funds you need with our flexible and low-interest personal loans designed to fit your lifestyle. Apply Online
Manage Your Cards
Download the new GICU Cards app to make credit card payments, set up alerts and controls, and report a card lost or stolen. Learn more
More Details
Greater Iowa is offering children ages 8 to 12 the opportunity to be an official GICU Ball Kid at an Iowa State Men’s Basketball game!
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The Federal Truth in Lending law requires that all financial institutions disclose the Annual Percentage Rate (APR) when they advertise a rate. The APR is designed to present the actual cost of obtaining financing, by requiring that some, but not all, closing fees are included in the APR calculation. These fees in addition to the interest rate determine the estimated cost of financing over the full term of the loan. Since most people do not keep the mortgage for the entire loan term, it may be misleading to spread the effect of some of these up-front costs over the entire loan term. Also, unfortunately, the APR doesn't include all the closing fees and lenders are allowed to interpret which fees they include. Fees for things like appraisals, title work, and document preparation are not included even though you'll probably have to pay them. For adjustable rate mortgages, the APR can be even more confusing. Since no one knows exactly what market conditions will be in the future, assumptions must be made regarding future rate adjustments. You can use the APR as a guideline to shop for loans but you should not depend solely on the APR in choosing the loan program that's best for you. Look at total fees, possible rate adjustments in the future if you're comparing adjustable rate mortgages, and consider the length of time that you plan on having the mortgage. Don't forget that the APR is an effective interest rate--not the actual interest rate. Your monthly payments will be based on the actual interest rate, the amount you borrow, and the term of your loan.
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