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Rates
Competitive Deposit Rates for Every Saver
Last Updated : April 1, 2026
Variable Rate Accounts
| Account Type | Minimum Balance | Interest Rate | APY* |
|---|---|---|---|
| Now Checking | $500 | 0.10% | 0.10% |
| Savings | $0.00 | 0.10% | 0.25% |
| Money Market | $2,500 to $9,999 | 0.25% | 0.10% |
| $10,000 + | 0.50% | 0.50% |
| Account Type - Now Checking | |
|---|---|
| Minimum Balance | $500 |
| Interest Rate | 0.10% |
| APY* | 0.10% |
| Account Type - Savings | |
|---|---|
| Minimum Balance | $0.00 |
| Interest Rate | 0.10% |
| APY* | 0.25% |
| Account Type - Money Market | ||
|---|---|---|
| Minimum Balance | $2,500 to $9,999 | $10,000 + |
| Interest Rate | 0.25% | 0.50% |
| APY* | 0.10% | 0.50% |
- APY - Annual Percentage Yield
- Minimum balance to open is $500
- Rates may vary and are subject to change after account opening. Fees may reduce earnings on these accounts.
CD Special
| Term | Minimum Balance | Interest Rate | APY* |
|---|---|---|---|
| 11 months | $1,000 | 3.47% | 3.50% |
| 27 months | $1,000 | 3.27% | 3.30% |
| Term - 11 months | |
|---|---|
| Minimum Balance | $1,000 |
| Interest Rate | 3.47% |
| APY* | 3.50% |
| Term - 27 months | |
|---|---|
| Minimum Balance | $1,000 |
| Interest Rate | 3.27% |
| APY* | 3.30% |
- ALL RATES ARE SUBJECT TO CHANGE AT ANY TIME.
- APY - Annual Percentage Yield
- On all CD products and IRA Accounts listed above, early withdrawal penalties may apply. Fees may reduce earnings. Ask for additional information.
- IRA accounts may also be offered for 1 through 5 years at the interest rates indicated.
- Interest on the 11-month and 27-month specials are compounded on a semi-annual basis.
Competitive Auto Loan Rates for Every Budget
As of December 1, 2025
Automobile Loan
| Loan Amount | Annual Percentage Rate (APR) as low as: |
Monthly payment* |
|---|---|---|
| $20,000+ | 7.108% | $395.97 |
| $10,000 - $19,999 | 7.714% | $200.35 |
| $5,000 - $9,999 | 8.430% | $101.37 |
| Loan Amount - $20,000+ | |
|---|---|
| Annual Percentage Rate (APR) as low as: |
7.108% |
| Monthly payment* | $395.97 |
| Loan Amount - $10,000 - $19,999 | |
|---|---|
| Annual Percentage Rate (APR) as low as: |
7.714% |
| Monthly payment* | $200.35 |
| Loan Amount - $5,000 - $9,999 | |
|---|---|
| Annual Percentage Rate (APR) as low as: |
8.430% |
| Monthly payment* | $101.37 |
- Terms of Auto Loans:
- - Loan cannot exceed NADA loan value for vehicle.
- - Loan terms up to 60 months available based on age of vehicle.
- - Rate may be higher based on credit history.
- - All loans are subject to credit approval.
- - All loan applicants must be at least eighteen (18) years of age.
- - Rates are subject to change without notice.
- Payments above are based on a 60 month term for loan amounts of $5,000, $10,000 and $20,000. Also assumes a $50 loan fee will be charged.
- For additional rate and terms, contact one of our lending staff at one of our 3 locations. Marion | Delhi | Hiawatha
Find the Right Mortgage Rate for Your Future Home
Fixed Rate Mortgage Loans as of December 12, 2025
Mortgage Loan Rates
| TERM | INTEREST RATE | APR (ANNUAL PERCENTAGE RATE) | ORIGINATION FEE/DISCOUNT POINTS(S)* | DOWN PAYMENT | MONTHLY PAYMENT* |
|---|---|---|---|---|---|
| 15 years | 5.500% | 5.815% | 1% | 20% | $817.08 |
| 20 years | 6.250% | 6.507% | 1% | 20% | $730.93 |
| 30 years | 5.875% | 6.065% | 1% | 20% | $591.54 |
| TERM - 15 years | |
|---|---|
| INTEREST RATE | 5.500% |
| APR (ANNUAL PERCENTAGE RATE) | 5.815% |
| ORIGINATION FEE/DISCOUNT POINTS(S)* | 1% |
| DOWN PAYMENT | 20% |
| MONTHLY PAYMENT* | $817.08 |
| TERM - 20 years | |
|---|---|
| INTEREST RATE | 6.250% |
| APR (ANNUAL PERCENTAGE RATE) | 6.507% |
| ORIGINATION FEE/DISCOUNT POINTS(S)* | 1% |
| DOWN PAYMENT | 20% |
| MONTHLY PAYMENT* | $730.93 |
| TERM - 30 years | |
|---|---|
| INTEREST RATE | 5.875% |
| APR (ANNUAL PERCENTAGE RATE) | 6.065% |
| ORIGINATION FEE/DISCOUNT POINTS(S)* | 1% |
| DOWN PAYMENT | 20% |
| MONTHLY PAYMENT* | $591.54 |
- Terms of Fixed Rate Mortgage Loans:
- Rates based on a credit score of 740 and above. Credit Score Minimum is 620, rates will differ with lower score.
- Payments and rates above are based on $100,000.00 loan amount, with a purchase price of $125,000.00.
- APR listed above includes a 1% origination fee.
- Payments don't include taxes and insurance. Actual payments may be higher.
- All loans are subject to credit approval.
- Rates above are quoted on a 30 day lock period. Max lock period is 60 days.
- All applicants must be at least 18 years of age.
- Rates are subject to change without notice.GreatAmerica Bank also offers Government Program Loans. .
- For specific terms for FHA financing, please contact one of our 3 locations: Marion | Delhi | Hiawatha
These include IFA (Iowa Finance Authority) and FHA loans. Specific terms for the IFA Program can be found by going to:
Flexible Home Equity Loans to Help You Move Forward
As of December 1, 2025
Home Equity Loan Rates
| Account Home Equity Loans | APR (Annual Percentage Rate)* | Monthly payments* | Balloon at maturity* |
|---|---|---|---|
| 61 Month Balloon/10 Year Amortization - Maximum LTV 90% | 8.287% | $118.71 | $5,962.12 |
| 61 Month Balloon/15 Year Amortization - Maximum LTV 90% | 8.721% | $95.58 | $7,930.66 |
| Account Home Equity Loans - 61 Month Balloon/10 Year Amortization - Maximum LTV 90% | |
|---|---|
| APR (Annual Percentage Rate)* | 8.287% |
| Monthly payments* | $118.71 |
| Balloon at maturity* | $5,962.12 |
| Account Home Equity Loans - 61 Month Balloon/15 Year Amortization - Maximum LTV 90% | |
|---|---|
| APR (Annual Percentage Rate)* | 8.721% |
| Monthly payments* | $95.58 |
| Balloon at maturity* | $7,930.66 |
- Fixed Rates APR
- *Payment and Balloon at maturity are based on a 61 Month fixed rate balloon note for a loan amount of $10,000.
- * Rate may vary based on credit score, type of loan and term, and is subject to change without notice. Property Insurance is required. Consumer will pay title search, flood search, recording fees and property valuation, when applicable. All loan applicants must be at least eighteen (18) years of age. Rates are subject to change without notice.
Variable Rate Home Equity Line of Credit
| Term | APY* |
|---|---|
| 60 Months | 7.75% |
| Term - 60 Months | |
|---|---|
| APY* | 7.75% |
- Terms of Home Equity Lines of Credit:
- Minimum loan amount is $5000.
- Closing costs in the range of $450 to $1,000 may be charged on these lines of credit.
- The minimum credit advance is $500.
- If only minimum payments are made, you will have a balloon payment due at maturity.
- All loans are subject to credit approval.
- On the variable rate home equity line of credit, the Index during the draw and repayment period is Prime Rate as published in the Wall Street Journal plus a margin of 1.5%. #The initial rate will remain in effect for the first two (2) years of the term. The current fully indexed rate is 8.50%. After the initial rate term, the minimum interest rate on this line is 6.00%, with a maximum interest rate that could be charged being 15%.
- Rates are subject to change without notice.
- All loan applicants must be eighteen (18) years of age.
- Flood insurance and hazard insurance may be required.
- The interest on qualified loans may be tax deductible depending on your financial situation. Contact your tax advisor to calculate if the interest is tax deductible.
Iowa Finance Authority
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This link is provided (www.iowafinanceauthority.gov) for your convenience and will take you away from GreatAmerica website. GreatAmerica does not control, endorse, or monitor the content of external websites.
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