Rates

Auto Loans - APR is Annual Percentage Rate. Simple interest used to calculate payment. For example, 69 monthly payments of $18.07 per $1,000 borrowed at 7.89% 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.
- No payments for up to 60 days subject to creditworthiness. Interest will continue to accrue through the deferred payment period.
- Maximum loan amounts apply.

APR is Annual Percentage Rate. Rate is fixed (non-variable). Personal loan example: 48 monthly payments of $28.34 per $1,000 borrowed at 15.99% APR. All loans are subject to approval.

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 $20.03 per $1,000 borrowed at 7.49% APR. The payment example does not include taxes or insurance and the actual payment obligation may be greater. Use up to 90% of your equity. Rate is based on credit history and loan-to-value (LTV). Rate above assumes a LTV of 80% or less. Closing costs are $400 in Iowa; $400 in Wisconsin; $500 in Illinois; unless full appraisal needed (appraisal estimate $495). Homeowners insurance required. No prepayment penalties. All loans are subject to approval.

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

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

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 0.05% APY paid on funds exceeding $20,000. Requirements to earn premium yield 1) Fifteen or more GreenState Credit Union credit card purchases with a minimum purchase amount of at least $10.00 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 $250 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 ($3.50 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.

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, 0.05% 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 with a minimum purchase amount of at least $10; 2) An ACH/Direct Deposit or ACH withdrawal of at least $250 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 ($3.50 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.

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

Impact Money Market - Fees: $10.00 per withdrawal or transfer after 6 per month.  GreenState Foundation enrollment required. Not a foundation member yet? It’s easy and free to sign up, visit greenstatefoundation.org to learn more. Or just open an Impact Account and we will sign you up automatically. Note: Impact account not required for Foundation membership.

To be defined as “New Money” funds must not be currently on deposit at GreenState Credit Union. Funds deposited to a depository account type (such as Share Savings or Checking) and moved to a Certificate will be considered New Money if the Certificate is opened within seven calendar days. If funds are moved from GreenState Credit Union to another financial institution, funds cannot be redeposited as New Money for at least 60 days.