Greater Iowa Credit Union (GICU) is a leading financial institution dedicated to providing comprehensive banking solutions to its members. With a rich history spanning over 85 years and a network of over 20 branches located throughout Iowa, GICU has established itself as a trustworthy and reliable partner for individuals and businesses alike.
GICU is guided by its mission of "helping people achieve their financial goals." This mission is underpinned by core values of integrity, innovation, service, and community involvement. The credit union strives to uphold these values in all its interactions with members, employees, and the community it serves.
Personal Banking:
- Checking and savings accounts
- Personal loans
- Mortgages
- Credit cards
- Investments
Business Banking:
- Commercial loans
- Cash management services
- Treasury management
- Employee benefits
- Merchant services
GICU recognizes that financial literacy empowers individuals and businesses to make sound financial decisions. Therefore, the credit union offers a wide range of financial education resources, including:
GICU is deeply committed to supporting the communities it serves. The credit union actively participates in local initiatives, including:
1. Member-Owned and Non-Profit: GICU is owned by its members, not by outside shareholders. This structure ensures that profits are returned to members in the form of lower fees, higher rates, and enhanced benefits.
2. Competitive Rates and Fees: GICU offers competitive rates on its loan products and low fees on its deposit accounts. This can help members save money and achieve their financial goals faster.
3. Exceptional Customer Service: GICU believes in providing exceptional customer service to its members. The credit union's friendly and knowledgeable staff is always ready to assist with financial inquiries and provide personalized guidance.
4. Financial Education and Empowerment: GICU is committed to empowering its members with financial literacy. The credit union offers a range of financial education resources and programs to help members make informed financial decisions.
5. Local Commitment: GICU is deeply rooted in the communities it serves. The credit union is actively involved in local initiatives and is committed to supporting the economic growth and well-being of its members.
1. Job Creation: GICU employs over 250 people in the state of Iowa. These jobs provide a stable income for families and contribute to the local economy.
2. Lending to Businesses: GICU provides loans to local businesses, helping them grow and create new jobs. In 2022 alone, GICU extended over $1 billion in commercial loans to businesses throughout Iowa.
3. Investment in Communities: GICU invests in local communities through its support of financial literacy programs, sponsorships, volunteerism, and donations. These investments contribute to the overall well-being and prosperity of the communities the credit union serves.
Pros:
Cons:
1. Is my money safe with GICU?
Yes, your money is safe with GICU. The credit union is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per account.
2. Can I bank online with GICU?
Yes, GICU offers a comprehensive online banking platform that allows members to manage their accounts, pay bills, transfer funds, and more.
3. How do I apply for a loan from GICU?
You can apply for a loan online, over the phone, or in person at any GICU branch. The credit union's loan officers will guide you through the application process and help you find the right loan for your needs.
4. What types of financial education resources does GICU offer?
GICU offers a wide range of financial education resources, including online articles, videos, workshops, and one-on-one counseling sessions.
5. How can I get involved with GICU's community involvement initiatives?
You can get involved with GICU's community involvement initiatives by attending local events, volunteering your time, or making a donation.
6. What makes GICU different from other financial institutions?
GICU is a member-owned and non-profit credit union. This means that profits are returned to members in the form of lower fees, higher rates, and enhanced benefits.
If you are looking for a financial institution that puts its members first, consider joining Greater Iowa Credit Union. With a wide range of financial products and services, exceptional customer service, and a commitment to financial education and community involvement, GICU is the ideal choice for individuals and businesses in Iowa.
Visit the GICU website or call 1-800-233-0002 to learn more and become a member today.
Table 1: Key Financial Data
Metric | Value |
---|---|
Assets Under Management | $2.5 billion |
Number of Members | Over 100,000 |
BauerFinancial Rating | 5-stars |
FDIC Ranking | Top 5% |
Table 2: Comparative Analysis of Banking Fees
Fee | Traditional Bank | Greater Iowa Credit Union |
---|---|---|
Monthly Maintenance Fee | $10-$25 | $0-$5 |
ATM Withdrawal Fee (Non-Network ATM) | $2-$5 |
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