Greater Iowa Credit Union's Greater Checking earns 5.00% APY on balances up to $20,000 when you meet monthly qualification requirements: 20 debit card purchases totaling $100, enrollment in electronic statements, and either a direct deposit of $100+ or a bill pay transaction. Balances above $20,000 earn 0.10% APY; if requirements are not met, the account earns 0.01% APY on the total balance.
Eligibility
How to get the Greater Iowa Credit Union Greater Checking rate
- Apply through the offer page to open the Greater Checking.
- Complete the requirement: $5 minimum share account, 20 debit purchases $100+, direct.
The fine print that matters
- High dividend rate earned on balances up to $20,000 only
- Balances above $20,000 earn 0.10% APY
- If monthly requirements not met, entire balance earns 0.01% APY
- Limit one account per tax id number
- Account holder or joint must be at least 18 years of age
- APY accurate as of August 3, 2026 and subject to change after account opening
Verification and reports
Confirmed against gicu.org on Aug 4, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: gicu.org rate page (checked Aug 4, 2026)