# Greater Iowa Credit Union Greater Checking: 5.00% APY

Canonical: https://dealaka.com/offers/greater-iowa-credit-union-greater-checking-rate

- Status: Limited reports
- Bonus: 5.00% APY
- APY: 5.00% (ongoing APY, on balances up to $20,000)
- Requirement: $5 minimum share account, 20 debit purchases $100+, direct
- Expires: no published end date
- Availability: Nationwide
- Institution: Greater Iowa Credit Union
- Verified: Aug 4, 2026 against gicu.org
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the Greater Checking.
2. Complete the requirement: $5 minimum share account, 20 debit purchases $100+, direct.

## 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

## Sources
- gicu.org rate page <https://www.gicu.org/spend/checking/greater-checking/> (checked Aug 4, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._