Deposit Rates

APY (Annual Percentage Yield) is accurate as of December 18, 2025. Rates/APY may change at any time.

Special Share Certificates - Special rates and special features

Minimum balance to earn stated APY	Rate	APY	Terms (Months)
Special Share Certificates - Special rates and special features
$1000	3.79%	3.85%	6
$1000	3.59%	3.65%	12
Minimum balance to open: $1,000. Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed on certificates with a term of one year or less and 180 days of interest on certificates with a term greater than one year. Early withdrawal penalty may be deducted from principal amount. Withdrawal of earnings could reduce APY.

Share Draft (Checking) Accounts

Minimum balance to earn stated APY	Rate	APY
Greater Checking™ (Qualifying)**
$0 - $20,000	4.89%	5.00%
$20,001	0.10%	0.10%
Greater Checking™ (Non-Qualifying)**
Any	0.01%	0.01%
Classic Checking
Any	0.00%	0.00%
Premium Checking
$200	0.01%	0.01%
$2,500	0.03%	0.03%
$10,000	0.05%	0.05%
$25,000	0.07%	0.07%
Greater Iowa Prestige Checking™
$1,000	0.03%	0.03%
$2,500	0.05%	0.05%
$10,000	0.08%	0.08%
$25,000	0.10%	0.10%
Greater Iowa Fresh Start Checking®
Any	0.00%	0.00%
Greater Iowa Basic Blue Checking™
Any	0.00%	0.00%
Entrepreneur, Business, & Commercial Checking
$1,000	0.00%	0.00%
$50 required to open Greater Checking, Classic and Premium accounts. $1000 required to open Prestige account. $0 required to open Basic Blue and Second Chance accounts. $100 required to open Entrepreneur account. $500 required to open Business account. $1000 required to open Commercial account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above. **Greater Checking qualifications to earn higher dividend rate: Personal accounts only, limit one account per tax identification number, and must be aged 18 years or older. These requirements must be met, post, and settle during the monthly qualification cycle in order to receive the high dividend rate and other benefits: • Have a share (membership) account with a minimum balance of $5.00, • Have at least twenty (20) debit card purchases totaling $100 (PIN based or signature based) from Greater Iowa debit card, and the purchases must post and settle prior to the close of business on the last business day of the month, • The membership associated with Greater Checking account must elect to receive electronic statements (e-Statements) in lieu of paper statements by registering or linking for e-Statements with a valid email address, • Have a direct deposit of at least $100 per month in the Greater Checking account or at least one payment made via Greater Iowa bill pay from the Greater Checking account (internal transfers are excluded and do not qualify) prior to the close of business on the last business day of the month. If eligibility requirements are met for the monthly cycle, all ATM-use fees assessed by Greater Iowa or other financial institutions for using a non-credit union machine will be refunded up to a maximum of $10.00 per month. This does not include insufficient funds fees (NSFs) or uncollected funds fees. ATM-use fee refunds will be credited to your account by the 5th of the following month.

Greater Savings

Minimum balance to earn stated APY	Rate	APY
Greater Savings (Qualifying)
$0-$50,000	1.69%	1.70%¹
$50,000.01	0.50%	0.50%¹
Greater Savings (Non-Qualifying)
All Balances	0.05%	0.05%¹
1) 1.70% Annual Percentage Yield (APY) paid on balances up to $50,000 with 0.50% APY paid on all amounts above $50,000 each cycle requirements are met. If requirements are not met, 0.05% APY earned on total balance. APY subject to change. Requirements for stated rate are to have a Greater Checking account that meets the qualifying requirements for the high dividend rate in the Greater Checking account prior to the last business day of the month, which are: 1) have at least twenty debit card purchases totaling $100 (PIN or signature based) post and settle, 2) have either a direct deposit of at least $100 per month into the Greater Checking or at least one payment made via Greater Iowa bill pay from the Greater Checking account, and 3) elect to receive electronic statements.

Share Accounts (Savings) - Primary and Secondary Shares

Minimum balance to earn stated APY	Rate	APY
$50.01	0.05%	0.05%
$2,500	0.05%	0.05%
$10,000	0.10%	0.10%
$5 minimum share balance required to open and maintain Primary Share. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of date listed above.

Money Market Accounts

Minimum balance to earn stated APY	Rate	APY
eMoney Market
$10,000	1.39%	1.40%
$25,000	1.44%	1.45%
$50,000	1.60%	1.61%
$100,000	1.80%	1.81%
$250,000	2.00%	2.02%
$500,000	2.25%	2.27%
$10,000 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above. Qualifications to earn dividends: Must be enrolled in electronic statements (eStatements) with a valid email address; please see the Electronic Statement Disclosure in the Membership Agreement for further information on this product.
Money Market
$2,500	0.30%	0.30%
$25,000	0.35%	0.35%
$50,000	0.40%	0.40%
$100,000	0.50%	0.50%
$200,000	0.55%	0.55%
$2,500 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.

Share Certificates

Minimum balance to earn stated APY	Rate	APY	Terms (Months)
$1,000	0.25%	0.25%	6-11
$1,000	0.35%	0.35%	12-17
$1,000	0.40%	0.40%	18-23
$1,000	0.40%	0.40%	24-35
$1,000	0.50%	0.50%	36-47
$1,000	0.55%	0.55%	48-59
$1,000	0.60%	0.60%	60
Minimum balance to open: $1,000. Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY.

Individual Retirement Account Special Share Certificates

Minimum balance to earn stated APY	Rate	APY	Terms (Months)
Traditional IRA and Roth IRA Special Share Certificates
$1,000	3.79%	3.85%	6
$1,000	3.59%	3.65%	12
$100,000	3.59%	3.65%	12
Minimum balance to open: $1,000. Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Other penalties may apply. Withdrawal of earnings could reduce APY.

Individual Retirement Accounts and Standard ESA Share Certificates

Minimum balance to earn stated APY	Rate	APY	Terms (Months)
Traditional IRA, Roth IRA, and ESA Standard Share Certificates
$1,000	0.55%	0.55%	18-35
$1,000	0.70%	0.70%	36-59
$1,000	0.75%	0.75%	60
Minimum balance to open: $1,000. Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Other penalties may apply. Withdrawal of earnings could reduce APY.

High Rate Savings Accounts for Individual Retirement Accounts and ESA Accounts

Minimum balance to earn stated APY	Rate	APY
High Yield Roth IRA and Traditional IRA Savings
$0	0.30%	0.30%
$10,000	0.45%	0.45%
$50,000	0.60%	0.60%
$100,000	0.65%	0.65%
$250,000	0.70%	0.70%
High Yield ESA Savings
$0	0.00%	0.00%
$100	0.45%	0.45%
$10,000	0.60%	0.60%
$25,000	0.65%	0.65%
$50,000	0.70%	0.70%
Minimum balance to open: $0. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.

Health Savings Account (HSA)

Minimum balance to earn stated APY	Rate	APY
$0	0.00%	0.00%
$100	0.45%	0.45%
$10,000	0.60%	0.60%
$25,000	0.65%	0.65%
$50,000	0.70%	0.70%
Minimum balance to open: $0 Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.

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