{"slug":"greater-iowa-credit-union-greater-checking-rate","category":"bank","institutionSlug":"greater-iowa-credit-union","product":"Greater Checking","title":"Greater Iowa Credit Union Greater Checking: 5.00% APY","bonus":"5.00% APY","unit":"cash","amount":0,"reqShort":"$5 minimum share account, 20 debit purchases $100+, direct","expiresOn":null,"status":"live","verifiedOn":"2026-08-04","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"Dividends paid when eligibility requirements are met each month.","applyDomain":"gicu.org","applyUrl":"https://www.gicu.org/spend/checking/greater-checking/","summary":"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.","reqSteps":[],"finePrint":["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"],"apy":500,"apyTerm":"ongoing APY, on balances up to $20,000","listedOn":"2026-08-04","listedAt":"2026-08-04T13:04:49.587Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"gicu.org rate page","url":"https://www.gicu.org/spend/checking/greater-checking/","checkedOn":"2026-08-04"}],"needsVerification":false}