Debit Card Reissue: When activating your new Visa debit card, you’ll be prompted to set a PIN. While the message may say this step is optional, setting a PIN is required to complete activation. You may choose any PIN, including the one you previously used with your Mastercard debit card.
To change or set your PIN, call 866-985-2273 from the phone number listed on your GICU account.
Greater Checking
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!
Refinance your auto loan and earn cash back.
Are you looking to accelerate your savings? Refinance your auto loan and earn up to $500 cashback! 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
Ball Kids
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! Ball kids have the best seat in the house and will assist staff with game-day duties. Each participant will also receive two game tickets (for parent/guardian), an official Ball Kid t-shirt, and memories to last a lifetime!
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The closing will take place at the office of an attorney or Greater Iowa location in your area who will act as our agent. If you are purchasing a new home, the seller may also be at the closing to transfer ownership to you, but in some states, these two events happen separately. During the closing you will be reviewing and signing several loan papers. The closing agent or attorney conducting the closing should be able to answer any questions you have, or you can feel free to contact your Loan Officer if you prefer. Just to make sure there are no surprises at closing, your Loan Officer will contact you a few days before closing to review your final fees, loan amount, first payment date, etc. The most important documents you will be signing at the closing include: Closing Disclosure A Closing Disclosure is a five-page form that provides final details about the mortgage loan you have selected. It includes the loan terms, your projected monthly payments, and how much you will pay in fees and other costs to get your mortgage (closing costs). Greater Iowa is required to give you the Closing Disclosure at least three business days before closing on the mortgage loan. This three-day window allows you time to compare your final terms and costs to those estimated in the Loan Estimate that you previously received. The three days also gives you time to ask your Loan Officer any questions before close. Note This is the document you sign to agree to repay your mortgage. The note will provide you with all of the details of your loan including the interest rate and length of time to repay the loan. It also explains the penalties that you may incur if you fall behind in making your payments. Mortgage / Deed of Trust This document pledges a property to the lender as security for repayment of a debt. Essentially this means that you will give your property up to the lender in the event that you cannot make the mortgage payments. The Mortgage restates the basic information contained in the note, as well as details the responsibilities of the borrower. In some states, the document is called a Deed of Trust instead of a Mortgage. If your loan is a refinance, Federal Law requires that you have three days to decide positively that you want a new mortgage after you sign the documents. This means that the loan funds won't be disbursed until three business days have passed. The closing agent will provide more details at the closing.
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