Waukee Move: Our Waukee branch has moved to the brand-new building across the parking lot at 1145 SE University Ave in Waukee and is now open for business!
Westown Construction: Crews are repairing concrete around the Westown branch. This may intermittently impact parking and access to the drive-up and ATM. Thank you for your patience.
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
Careers
Want to work with a team, and for a company, you can be proud of? Have your work stand for something GREATER? Are you solution-minded and dedicated? Take a look at our current openings below to start your future today!
Login to my account
Forgot Password? Signup
We've got answers.
We're here for you - no matter what questions arise.
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.
Back To FAQ