Greater Iowa Credit Union Ames IA | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to the Greater Iowa at our Lincoln Way Branch, conveniently located at 801 Lincoln Way, Ames, IA 50010. Established in 1932, we have proudly served our community for over 90 years, building trust and providing reliable financial solutions to our members. With a current membership of 37,296, we are committed to your financial well-being and community growth. At Greater Iowa, we understand that each member's journey is unique. That's why we offer a diverse range of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans, mortgages, and business banking solutions. Our total assets amount to an impressive $638,702,843, which reflects our strong financial health and ability to support you. Under the leadership of CEO Scott Zahnle and Board President Robert Bowers, our dedicated team of 131 employees works tirelessly to ensure you receive personalized service every time you visit us. Whether you're making deposits or applying for loans, we're here to help make your experience as smooth as possible. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 801 Lincoln Way, Ames, IA 50010. We invite you to explore our website at gicu.org for more information about our services or feel free to call us at 515-232-6310 with any questions. Join us today and discover how Greater Iowa can help you achieve your financial goals!

Branch History & Mission

Community Engagement

Our commitment goes beyond traditional banking. We actively engage with our local community through various initiatives aimed at supporting education, health, and economic development. By investing in local projects and collaborating with other organizations, we strive to create opportunities for all residents of Ames. We also embrace digital advancements that make banking more accessible for everyone. Our online banking platform allows members to manage their finances anytime, anywhere. With features like mobile payments and electronic statements, we're here to make your experience as convenient as possible. As we continue on this journey together, we encourage you to join Greater Iowa Credit Union today! Experience firsthand how we can support your financial goals while contributing positively to the community around us. For more information or assistance, please call us at 515-232-6310 or visit our website. Welcome aboard!

Our Mission

At Greater Iowa Credit Union, our mission is clear: we strive to enhance the financial well-being of our members and the communities we serve. We believe that everyone deserves access to quality financial resources and support. Through various outreach programs and partnerships within Ames and beyond, we aim to foster a spirit of community empowerment. Whether it's through educational workshops or local sponsorships, we are dedicated to building strong relationships that extend beyond mere transactions. While members can visit us at 801 Lincoln Way for all their banking needs, official correspondence should be sent to the same address. We invite you to take advantage of our convenient operating hours: Monday through Thursday from 8:30 AM to 5:00 PM; Fridays from 7:30 AM to 6:00 PM; and Saturdays from 9:00 AM to 12:00 PM. With ATM availability and drive-thru banking options for quick transactions, we ensure your banking experience is both easy and efficient.

Branch Location & Accessibility

Comprehensive Banking Services

At the Greater Iowa Lincoln Way Branch, we offer a wide array of services designed to meet your financial needs from personal banking solutions like checking and savings accounts to auto loans and mortgage options. Need cash? We have an ATM on-site for quick withdrawals and balance checks. While members can visit us at 801 Lincoln Way, official correspondence should be sent to the same address for consistency.

Connect With Us Today!

If you have questions or need assistance, feel free to reach out at 515-232-6310. We invite you to stop by our branch soon! Experience the warm community atmosphere that makes Greater Iowa Credit Union special. We look forward to serving you!

Convenient Access and Amenities

Finding us is simple, and we offer ample parking for your convenience. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to ensure everyone can visit us without hassle. If you prefer a bit more privacy or speed, take advantage of our drive-thru service, open for your convenience during extended hours.

Operating Hours Designed for You

We know that life gets busy, so we've tailored our operating hours to fit your schedule. Visit us Monday through Thursday from 8:30 AM to 5:00 PM, Fridays from 7:30 AM to 6:00 PM, and Saturdays from 9:00 AM to noon. Our staff is ready to assist you during these times with a smile!

Member Eligibility

At Greater Iowa, we believe that everyone deserves the chance to be part of a caring and supportive community. Becoming a member is easy and welcoming! If you're interested in joining us, you'll find that eligibility is open to individuals who live, work, or worship in our community, among other criteria. We take pride in offering a range of financial services designed to enhance your life from savings accounts to loans and more. To learn more about the specifics of membership eligibility, please check out our detailed guidelines here. Once you know you're eligible, opening an account at Greater Iowa is straightforward and convenient. You can get started by visiting our account opening page here?internalbranchid=2665064363637). If you have any questions or need assistance along the way, don't hesitate to reach out at (515) 232-6310. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services that Matter

In today's fast-paced world, efficient payment processing can set your business apart. Our merchant services offer easy ways for customers to pay whether in-store or online allowing you to focus on what you do best: running your business. Located at 801 Lincoln Way Ames Ia 50010 in Ames, IA, we invite you to discover how our business banking and commercial services can pave the way for your success. For more information, give us a call at (515) 232-6310 or visit our website at https://www.gicu.org/.

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $84 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $35,611,190, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Additional Services

We also provide basic drive-thru banking for quick deposits and withdrawals, making it easy for those on-the-go. Our team is committed to ensuring that every interaction is smooth and efficient. At Greater Iowa, we are more than just a credit union; we are a part of the community and strive to support our members through every financial milestone. Visit us today at 801 Lincoln Way Ames Ia 50010 in Ames, IA, or give us a call at (515) 232-6310. Let's work together toward achieving your financial dreams!

Business Banking Solutions

For entrepreneurs and small business owners, we offer a variety of business banking services including merchant services and business loans. Whether you're just starting out or looking to expand, we have solutions designed to meet your specific needs.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts from anywhere. With easy access to account balances, transaction history, and bill pay options right at your fingertips, banking has never been simpler. You can even use our ATM services for quick cash withdrawals or balance checks without stepping foot inside the branch.

Personal Banking Services

Whether you're looking to manage your day-to-day finances or save for the future, our personal banking services have you covered. We offer checking and savings accounts that provide easy access to your funds while helping you earn interest. Imagine having a secure place for your money while also enjoying the flexibility to withdraw cash when you need it. Need a new vehicle? Our auto loans and vehicle financing options make it easier than ever to drive away in the car of your dreams. With competitive rates and flexible terms, you'll be on the road in no time. For larger purchases, consider our mortgage loans and refinancing options, which can help you secure the home you've always wanted or lower your monthly payments on an existing mortgage. If you're facing unexpected expenses or want to consolidate debt, our personal loans can provide the financial relief you need. Plus, with credit cards that offer rewards, every purchase can bring you closer to something special.

Digital & Online Banking

Mobile Convenience

For those who love banking on their phones, our mobile application is here to help. It's packed with features like mobile payments, which let you make purchases quickly and easily right from your smartphone. You can also send money to friends and family with our person-to-person transfer option, making sharing expenses as simple as a few taps.

Real-Time Management

Managing your finances has never been easier. With our robust online banking tools, you get real-time updates on your account activity and balances. Whether you're monitoring transactions or planning for future expenses, everything is right at your fingertips. At Greater Iowa, we strive to provide a hassle-free banking experience that fits into your busy life. Explore all our digital offerings today and see how easy it is to stay connected with your money!

User-Friendly Features

We prioritize your safety and comfort. Our electronic signature authorization feature allows you to sign documents securely from anywhere, saving you time without compromising on safety. Plus, with e-statements available, you can keep track of your financial activities in a secure digital format no more paper clutter!

Financial Strength

Building Trust Together

Net Shares (Funds available for lending and investments): $890,008. Total Share and Deposit Accounts: 97,036, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Greater Iowa is your trusted partner. Visit us at 801 Lincoln Way Ames Ia 50010 or call (515) 232-6310 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

With $30,165,259 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $11,793 in used auto loans and $531,621,913 in total loans and leases. Our operational efficiency is highlighted by our $2,410,955, enabling us to continue offering competitive loan rates and solid financial products for our members.

Dedicated Staff

We also take pride in having 127 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. This commitment allows us to foster relationships built on trust and transparency.

Member-Centric Savings Options

Members' savings are secured through $146,828,262 in share certificates and $75,316,744 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $59,665,236, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation enables us to grow and provide even more value to our members. Our net worth ratio of $933 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $167,529,385 in used vehicle loans and $116,879,615 in new vehicle loans already helping members get on the road. Whether you're interested in a new ride or a reliable used vehicle, our competitive rates and flexible terms make it easier than ever to drive home your dream car.

Business Financing

For business owners, our outstanding commercial loans totaling $35,611,190 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges and opportunities, which is why we're committed to providing solutions that work for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $14,329,621, make buying or refinancing simple. We know that purchasing a home is one of the biggest decisions you'll ever make, and we're here to support you every step of the way. Our team can guide you through the process and help you find the right mortgage solution for your situation.

Refinancing Options

If you're considering refinancing an existing loan, we encourage you to reach out to us. Our team can discuss eligibility options and help you explore how refinancing could potentially lower your monthly payments or reduce your overall interest costs. At Greater Iowa, we pride ourselves on being part of our community and are dedicated to helping our members navigate their financial journeys. If you have questions about any of our loan products or would like assistance, please don't hesitate to contact us at (515) 232-6310 or visit us at our branch located at 801 Lincoln Way Ames Ia 50010 in Ames, IA. For more information on how we can assist you further, feel free to explore our website at https://www.gicu.org/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $13,602,272 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits designed to fit your lifestyle, making it easier to handle day-to-day expenses while earning rewards along the way.

Loan Aggregator

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This means you can trust that the offers presented are fair and transparent. LendMesh prioritizes accuracy by continually updating its database to reflect current rates and terms.

GREATER IOWA CREDIT UNION