Rates

Checking Accounts

GreenState offers checking accounts with no minimum balance requirements and no monthly maintenance fees. Backed up with great service, modern features and outstanding rewards.

RewardsPlus Checking8

No Monthly Service Fee.

2.00%APY

On balances up to $19,999.99
Activity requirements to earn yield:

  1. Use a GreenState Credit Card to make at least 15 purchases each month and average at least $10 per transaction.
  2. Set up direct deposit or have at least one ACH transaction for $100 or more each month.

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Rewards Checking9

Also No Monthly Service Fee.

1.50%APY

On balances up to $14,999.99
Activity requirements to earn yield:

  1. Use a GreenState Debit Card to make at least 15 purchases each month and average at least $10 per transaction.
  2. Set up direct deposit or have at least one ACH transaction for $100 or more each month.

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Certificates & IRA

Certificates and IRAs allow you to lock your money away for a term and earn higher yields than typical savings accounts. Our Certificates & IRAs have been recognized nationally for their aggressive yields.

15 Month Special13

2.60%APY

$1,000 Minimum to Open
Penalty for early withdrawal.
Rates, terms and accounts are for members only.
Insured by NCUA

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27 Month Bump Rate Special13

2.80%APY

$1,000 Minimum to Open
One-time bump rate option14.
Penalty for early withdrawal.
Rates, terms and accounts are for members only.
Insured by NCUA

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Money Market Accounts

GreenState Money Market Accounts are interest-bearing accounts that pay a higher interest rate than regular savings while still being protected and insured by the NCUA.

Credit Cards

With great introductory rates and no balance transfer fees, getting a new GreenState credit card feels like a breath of fresh air.

Credit Cards Overview

Platinum Rewards Mastercard6

No Annual Fee

13.9% -
20.9%APR

3x Points on Gas
2x Points on Groceries
1x Point on All Other Purchases
Introductory rates as low as 0% for 6 months.

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Platinum Mastercard7

No Annual Fee

11.9% -
18.9%APR

Our lowest rate card.
Credit lines starting at just $1,000.
Introductory rates as low as 0% for 6 months.

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Vehicle Loans

We'll work with you to meet your needs and your budget. Getting on the road is a breeze with flexible terms like no payments for up to 90 days and no down payment required. 1

RV Loan2

(as low as)

6.14%APR

New Models
Term based on loan amount

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Personal Loans

GreenState personal loans are a great way to consolidate debt or finance large purchases with a fixed rate and fixed terms. No origination fees. No early payoff fees. 

Unsecured Personal3

for all credit tiers

10.99%APR

Flexible terms
No origination fee

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Home Equity Loans

A home equity loan allows you to use the equity you have tied up in your home for other purposes, such as paying for home improvements, buying a car, or financing an education.

Fixed Rate Home Equity4

(As low as)

5.49%APR

Fixed Rate
Low closing costs.

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Freedom-In-155

(as low as)

6.00%APR

Fixed Rate
Low closing costs.

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Auto Loans - APR is Annual Percentage Rate. Simple interest used to calculate payment. For example, 69 monthly payments of $16.54 per $1,000 borrowed at 4.65% APR. Extended terms: Add 0.35% for each additional 6-months in excess of term (as stated above), up to 84 months. The Annual Percentage Rate you receive will be based upon credit scoring criteria, loan to value ratio, and mileage. Please call or apply online in the applications section to have us calculate your rate. All loans are subject to approval.
- For Motorcycle, Trike, or Sidecar loans, add 1.00% to the base rate above.
- No payments for up to 90 days subject to creditworthiness. Interest will continue to accrue through the deferred payment period.

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Recreational Vehicle Loan - APR is Annual Percentage Rate. Available on models up to 11 years old. Recreational loan example: 240 monthly payments of $7.10 per $1,000 borrowed at 5.89% APR.
Home Equity

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Unsecured Personal Loan - APR is Annual Percentage Rate. Rate is fixed (non-variable). No internal refinances. 10.99% APR is for all credit tiers. Limited time offer based on capacity to repay.  Personal loan example: 48 monthly payments of $25.84 per $1,000 borrowed at 10.99% APR. All loans are subject to approval.

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Fixed Rate Home Equity Loans - Home Equity Loans are fixed rate loans for fixed terms (5, 10, or 15 years). For example, 60 monthly payments of $18.30 per $1,000 borrowed at 3.74% APR. The payment example does not include taxes or insurance and the actual payment obligation may be greater. Use up to 100% of your equity. Rate is based on credit history and loan-to-value (LTV). Rate above assumes a LTV of 80% or less. $350 closing costs for Iowa applications, unless full appraisal needed. $450 closing costs for Illinois applications, unless full appraisal needed. Homeowners insurance required. No prepayment penalties. All loans are subject to approval

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Freedom-in-15 Example: For a $140,000 loan for a term of 15 years with 5.75% APR, the monthly payment will be $1,162.57. Taxes and insurance premiums are not included in this payment example and the actual payment obligation may be greater. Freedom-in-15 Mortgage is for refinance transactions only. GreenState Credit Union mortgage must be in first lien position. Maximum 90% loan to value (LTV). Maximum loan amount is $149,999.99. Rate will be determined based on LTV and creditworthiness. $500 closing costs, unless full appraisal needed. Homeowners insurance required. Only available in Iowa and Illinois. Other restrictions may apply. All loans are subject to approval.

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Platinum Rewards Mastercard
- All credit cards are subject to approval.
- APR is Annual Percentage Rate.
- See  Rate & Fee Information for GreenState Credit Cards 
- Merchants who accept Mastercard credit cards have an assigned merchant code that is determined by the merchant or its processor based on the kinds of products and services they primarily sell. GreenState makes every effort to identify relevant merchant codes that fit into one of the bonus points categories of purchases. A purchase will not earn extra bonus points if the merchant’s code is not eligible. In some cases, even though a merchant may sell items that fit within a bonus category, if the merchant does not have a merchant code in that bonus category the purchase will not earn extra points. Purchases made through third-party payment accounts, mobile card readers, mobile wallets or other similar technologies may not qualify for bonus points if the technology is not set up to process the purchase with a merchant code that has been identified as falling within a bonus points category. The accepted MCC codes by category are: Gas: 5169, 5172, 5541, 5542; Grocery: 5411, 5422, 5441, 5451, 5462, 5499

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Platinum Mastercard
- All credit cards are subject to approval.
- APR is Annual Percentage Rate.
- See  Rate & Fee Information for GreenState Credit Cards 

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RewardsPlus Checking
APY is Annual Percentage Yield. APY is accurate as of the last dividend declaration date. Rate is subject to change after the account is opened. 2.00% APY paid on balances up to $19,999.99 and 0.15% APY paid on funds exceeding $20,000. Requirements to earn premium yield 1) Fifteen or more GreenState Credit Union credit card purchases averaging at least $10 must post to the card between the first day of the month and the second to last day of the month. Transactions posted on the last day of the month will be applied to the next month's totals. 2) An ACH/Direct Deposit or ACH withdrawal of at least $100 must post and clear the account (internal transfers excluded). If qualifiers are not met, 0.01% APY will be paid on all balances. Any points earned on the credit card will still accrue even if these requirements are not met. May choose between e-Statements (free) or paper statements ($2.50 per month). Fees could reduce earnings.
- Personal accounts only.
- Credit card must be listed under the same account as the RewardsPlus Checking to qualify.
- Limit one account per individual. Individuals may choose either a Rewards Checking or RewardsPlus Checking, but are not permitted to have both account types.
- Primary account holder must be at least 18 years of age.
- $50 initial deposit required.
- New checking account is subject to credit approval, employment status, and valid identification that is at least 90 days old.

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Rewards Checking
APY is Annual Percentage Yield. APY is accurate as of the last dividend declaration date. Rate is subject to change after the account is opened. 1.50% APY paid on Rewards Checking balances up to $14,999.99, 0.15% APY paid on funds exceeding $15,000.00, and non-GreenState Credit Union ATM network usage fees will be refunded (up to $6.75) provided the following qualifiers are met each monthly qualification cycle: 1) Fifteen or more debit card purchases must post and clear the account and must average at least $10; 2) An ACH/Direct Deposit or ACH withdrawal of at least $100 must post and clear the account (internal transfers excluded). If qualifiers are not met, 0.01% APY will be paid on all balances and non-GreenState ATM network usage fees will not be refunded for that cycle. May choose between e-Statements (free) or paper statements ($2.50 per month). Fees could reduce earnings.
- Personal accounts only.
- Limit one account per individual. Individuals may choose either a Rewards Checking or RewardsPlus Checking, but are not permitted to have oth account types.
- Primary account holder must be at least 18 years of age.
- $50 initial deposit required.
- New checking account is subject to credit approval, employment status, and valid identification that is at least 90 days old.

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Green Account - APY is Annual Percentage Yield. APY listed above is accurate as of the last dividend declaration date. Variable rate subject to change at any time after account opening. Fees may reduce earnings on the account. Green Accounts can be opened with New Money or with funds from maturing GreenState Credit Union Certificates. Fees: $10.00 per withdrawal or transfer after 3 per month.

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Certificate Specials - Minimum deposit of $1000 required. Penalty for early withdrawal. Rates, terms and accounts are for members only.

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Bump Rate Certificate - Bump Rate Certificate has a one-time rate increase option that allows you to increase the rate for the remaining term of the certificate to match the current rate on a certificate of equivalent terms.