GreenState Credit Union is a member-owned financial co‑op based in Iowa (with branches in both Iowa and Illinois) that offers checking, savings, loans, credit cards and more. Chartered in 1938 and headquartered in North Liberty, IA, GreenState has grown into Iowa’s largest credit union – serving over 450,000 members with 34 branches across Iowa and Illinois.
It manages over $11 billion in assets with more than 820 employees. GreenState is federally insured by the NCUA (like banks are insured by the FDIC) and has an A+ rating from the Better Business Bureau. In fact, GreenState has been recognized as a “Top Workplace” both statewide and nationally.
In practical terms, members praise GreenState’s competitive rates (low loan rates, no-fee checking accounts) and strong community focus. Overall, GreenState is well-regarded for customer service and member value – making it a solid choice for banking in its service areas.
CD Rates & Specials
GreenState Credit Union offers a variety of certificate of deposit (CD) products (called Certificates & IRAs) with competitive rates. Special promotions often boost yields on short-term certificates. For example, GreenState ran a 15‑Month Add‑To Certificate paying 5.60% APY (with $1,000 minimum) as a limited-time special.
(“Add‑To” certificates allow you to deposit additional funds during the term.) More typical CD terms (such as 6‑, 12‑, or 24‑month CDs) may earn a lower rate, but those rates are listed on GreenState’s website under “Certificates & IRA Rates”. All CDs and savings accounts at GreenState are NCUA‑insured up to $250,000.
To find current rates: visit GreenState’s rates page (Certificates & IRA Rates) on their website or call the Member Service Center at (844) 300‑5810. Many members also take advantage of special share (savings) accounts and money market accounts that tier up to higher APYs when balances exceed certain thresholds. In summary:
- Competitive CD products: Standard certificates (with fixed terms) and “add-to” certificates that let you add new money.
- Current specials: For instance, a recent 15-month add-to certificate earned 5.60% APY. Rates are subject to change, so check GreenState’s website or call before opening a new CD.
- How to open: You can open CDs at any branch or by calling the Member Service Center. Funds for “new money” CDs must generally be funds not currently on deposit at GreenState.
Overall, GreenState’s CD specials and rates compare favorably with regional banks. Members often find GreenState’s yields to be higher than what big banks offer, especially on promotions.
Login & Online Banking Help
GreenState offers robust online banking and a mobile app for members. To log in to your account, go to GreenState’s website and use the Online Banking portal. The home page has a “Login or Enroll in Online Banking” box.
Enter your Login ID and password (or enroll as a new user) on that page. If you forget your credentials, there are “Forgot Login” and “Forgot Password” links on the same portal. For help, call Member Service at (800) 397‑3790 or use the site’s live chat.
GreenState’s mobile banking app (“GreenState CU Mobile”) is highly rated (4.5 stars from over 1,800 Google Play reviews) and offers standard mobile features:
- Check balances and view transactions anytime.
- Transfer funds between accounts and pay bills.
- Deposit checks via mobile deposit.
- Receive account alerts (for balances, payments, etc.).
If you have trouble logging in or enrolling, GreenState’s online resources and support team are ready to help. You can also visit a local branch for online banking setup help. GreenState even offers video teller services at some locations. For most members, logging in through the website or mobile app is straightforward.
Routing & Contact Info
For ACH transfers, direct deposits, or wiring money, GreenState’s routing number is 273975098. Make sure to use this routing number (also printed on GreenState checks) when setting up electronic transfers.
GreenState’s main contact information:
- Member Service Phone: (800) 397‑3790 (toll-free). This is the central number for account questions or service. (Alternatively, the HQ line is (319) 339‑1000.)
- Debit/Credit Card Services: To update a debit PIN call (888) 891‑2435. To report a lost/stolen card, call (800) 397‑3790 or (833) 371‑8975 (after hours).
- Routing Number: 273975098. Use this for direct deposits or ACH payments.
- Mailing Address (general): GreenState Credit Union, PO Box 800, North Liberty, IA 52317-0800.
Hours of Member Service Center (call center) are Monday–Friday 7 am–6 pm, Saturday 8:30 am–12:30 pm. Customer service representatives are available by phone or branch appointment during business hours. Each branch lobby also has staff ready to assist with transactions or banking questions. GreenState offers online chat support on its website as well (hours M–F 7:00–5:45, Sat 8:30–12:15).
Routing & Contact Key Facts: GreenState is A+ BBB‑accredited. Main toll-free service line is 800-397-3790. Routing number for transfers is 273975098.
Branch Locations
GreenState Credit Union has 34 branches across Iowa and Illinois. A full list is available on their website or via the branch/ATM locator. Major service areas include:
- Greater Iowa City Area: (Iowa City, North Liberty, Coralville, etc). Iowa City alone has three branches – on Iowa Avenue, Mormon Trek Blvd, and Muscatine Ave. North Liberty (home office) and Coralville also have branches.
- Greater Cedar Rapids Area: Branches in Cedar Rapids (e.g. Westdale at 2340 Edgewood SW and Downtown at 716 A Ave) serve Linn County and surrounding.
- Des Moines Metro: Branches in Des Moines and suburban communities (e.g. 4729 SW 9th St in Des Moines, Bettendorf in Quad Cities).
- Cedar Valley (Waterloo/Cedar Falls): There is a Waterloo branch (930 Tower Park Dr) and a Cedar Falls branch (3409 Cedar Heights Dr), serving Black Hawk County.
- Quad Cities Metro: Branches in Davenport, Bettendorf (Iowa) serving the Illinois‑Iowa Quad Cities region.
- Other Iowa Areas: Branches in Dubuque, Grinnell, Fort Dodge and surrounding communities.
Illinois / Greater Chicago Area: GreenState also serves the Chicago suburbs and northwest Illinois. There are multiple Illinois branches, including:
- Addison, IL: Lake Street Branch (1520 W Lake St) and Addison Rd. Branch (205 N Addison Rd) in the western suburbs.
- Naperville, IL: (2920 83rd St, Naperville) in the far west suburbs of Chicago.
- Wheaton, IL and other suburbs.
- Freeport, IL: (510 Park Crest Dr) in northwestern Illinois.
For the exact nearest GreenState location, use their Branch & ATM Finder on the website or mobile app. You can search by current location or address to see all nearby branches and ATMs. (This answers “Where is GreenState near me?” – just enter your city or zip code on the locator page.) In summary, GreenState covers most of eastern Iowa plus parts of Illinois. Its 34 branches ensure many communities have a nearby location.
Careers
GreenState is not just member-focused but also employee‑focused. It has been named a Top Workplace in Iowa (for large employers) and even nationally among mid‑sized companies. Here are some career highlights:
- Size & Scope: Over 820 employees and $11.1 billion in assets. As Iowa’s largest credit union, GreenState offers diverse roles in finance, IT, lending, member services, marketing and more.
- Culture: The company emphasizes a friendly, collaborative culture with flexible schedules. Employees are encouraged to learn, innovate, and have fun while working.
- Recognition: GreenState has received multiple Top Workplaces awards (including #1 in Iowa and #16 nationally), reflecting strong employee satisfaction.
- Community Involvement: GreenState encourages staff volunteerism (over 3,100 volunteer hours and $2.6M donated in 2021).
- Careers Portal: Current job openings (in Iowa City, North Liberty, Cedar Falls, etc.) can be found on GreenState’s careers site. Benefits include health plans, retirement, and professional development.
In short, GreenState prides itself on being “people first” – putting employees’ well‑being and growth at the core. If you’re searching for credit union jobs in Iowa or IL, GreenState is often listed as one of the top employers in financial services.
Mortgage Options
GreenState is a major home lender, claiming the top spot for home loans in Iowa. Whether you’re buying a house or refinancing, they offer multiple mortgage programs with competitive rates. Key points:
- Loan Types: Fixed-rate mortgages and adjustable-rate mortgages (ARMs) are both available. Programs include conventional loans, FHA, VA, Jumbo, and first‑time homebuyer loans. GreenState even offers specialty programs to help buyers avoid private mortgage insurance (PMI).
- Low/No Down Payment: Some programs allow up to 100% financing (0% down) for qualified borrowers. This can help first‑time buyers or those without much savings.
- Refinancing: You can refinance existing mortgages to lower rates or switch terms, using GreenState’s refinance programs.
- Rates: Mortgage rates change daily based on market conditions. GreenState publishes current mortgage rate tables on its website under Rates → Mortgage Rates. (As of now, rates are very low by historical standards.) You can also call the GreenState mortgage team at (877) 527‑3510 to discuss current rates and terms.
- Application: Start online via their website or speak with a mortgage lender. GreenState has local mortgage lenders and a loan center to guide you.
Overall, GreenState’s mortgage options are on par with big banks, and their local decision-making can make approvals and closings smoother. They emphasize service (“#1 home loan lender in Iowa”). If you want a quick idea of current rates, you can view the Mortgage Rates page on GreenState’s site or consult national rate comparison sites.
Customer Service
GreenState provides multiple channels for customer help and prides itself on member service:
- Branch Services: Every branch has member service specialists ready to help with transactions, account questions, loan applications, etc.. Walk‑in appointments are welcome, and you can sit down with a rep for consultations or financial advice.
- Phone Support: The Member Service Center (800-397-3790) handles most inquiries. Representatives can answer questions about accounts, cards, and services during business hours. After-hours assistance is available via automated systems or online resources.
- Online Chat: GreenState’s website offers live chat with representatives (available during business hours). This is handy for quick questions about rates, accounts or online banking.
- 24/7 Services: The mobile app and online banking let you manage accounts anytime. Automated phone systems are available 24/7 for basic tasks like account balances.
- Community Reputation: Feedback from members is generally positive. GreenState maintains an A+ BBB accreditation and often receives high reviews for friendliness and product value. For real‑time service updates (like outages or ATM status), GreenState even provides a service status page on its site.
Answering FAQs: “Is GreenState Credit Union good?”
Yes – aside from its large size and ratings, members benefit from no-fee checking and competitive loan rates. Consumer reports note that GreenState offers checking accounts with no monthly fees or minimum balances. Its customers frequently mention the helpful staff and fair rates.
“Where is GreenState near me?” As covered above, GreenState’s branches are primarily in Iowa cities (Iowa City, Cedar Rapids, etc.) and some Illinois towns (Addison, Freeport, Naperville). To find the nearest branch or ATM, use the online Branch/ATM Finder or call member service.
In summary, GreenState Credit Union combines community focus with a broad suite of financial products. Members can bank in person at local branches or online from anywhere. The credit union’s friendly service, strong ratings, and competitive products make it a solid option for people in its service area.
