You can set your loan on automatic payments in Online Banking and have full control to make changes at any time. Payments can be made with funds from a GreenState or external account.  

To set up an automatic payment 

1. Log in to Online Banking 
2. Select Transfers & Payments from the menu
3. Select Pay A Loan/Credit Card
4. Set up the loan payment 
5. Select the "Make this a recurring transaction" box 
6. Click Submit. 

To connect a non-GreenState account for automatic payment

1. Log in to Online Banking 
2. Select Transfers & Payments from the menu
3. Select Add External Account and follow the instructions
4. A few days after completing Steps 1-4, you will receive two micro deposits to the account you are adding. When received, log back in to Online Banking, select Transfers & Payments, and then select Verify External Account. Once verified, the account will be available in the Payments drop down. 
5. Upon verification, follow the same automatic payment steps above

To make changes to an automatic payment in Online Banking 

1. Log in to Online Banking
2. Select Transfers & Payments from the menu
3. Select Activity Center
4. Select Recurring Transactions
5. Locate the automatic payment you want to change
6. Select "⋮"
7. Select Edit Series

To cancel an automatic payment in Online Banking 

1. Log in to Online Banking
2. Select Transfers & Payments from the menu
3. Select Activity Center 
4. Select Recurring Transactions 
5. Locate the automatic payment you want to stop 
6. Select "⋮"
7. Select Cancel Series

Autopay keeps your loan payment schedule on track without the hassle. Your payments run automatically, helping you avoid late fees, protect your credit, and simplify your monthly routine.

Yes. Any excess payment will go toward the next payment amount due. 

We do not charge a penalty for paying an auto loan in full early.

GreenState offers the option to skip a payment on auto and personal loans. When a loan payment is skipped, the payment amount is added to the end of the loan, extending the loan out further. Please visit our Skip a Pay article on the rules and elgibility

Loan payoff can be completed within Online Banking, by mailing a check, wiring funds, or visiting a branch.  Loan payoffs may also be arranged by calling our Member Assistance Center at 1 (800) 397-3790 or via online chat.

If the auto pay is set up through online banking, when the loan is paid in full the autopay schedule is canceled.

You can view your loan due date within Online Banking. Once signed in, you will see a tile for your loan that includes the due date in the bottom-left corner.  The next payment date is also accessible within the account details page.

Your loan due date is also included on monthly statements. 

You can find payoff information for most loan types in Online Banking

1. Log in to Online Banking
2. Select the loan account
3. Select the Details & Settings tab to view the current payoff amount

For the payoff amount on a future date, please call us, chat with us, or visit a branch.  A 10 day payoff amount can be generated in the Forms section within online banking.  

Yes. This can be done within Online Banking and in a branch.

For Online Banking

1. Log in to Online Banking
2. Select Transfers and Payments from the menu
3. Select Pay a Loan / Credit Card
4. In the Payment Type drop-down, select Principal Only Payment

In Branch

When making a loan payment, you can request the payment be applied as principal only.

Yes, biweekly payments are accepted.  Additionally, biweekly payments allow for two extra payments each year, potentially helping you pay off your loan faster. 

Partial payments can be made to any loan type. However, you will want to make sure the full minimum payment is paid by the due date to avoid late fees and/or negative credit reporting.

Loan coupons are automatically generated after every 12th payment and are not required for mailed payments.

Payments are applied first to any fees due, then to interest. Any remaining amount is applied to the principal.

Mechanical Breakdown Protection is a vehicle service contract that will help pay for mechanical repairs beyond standard auto insurance to keep you and your vehicle on the road.

Paybreak functions as payment protection in the event of certain, sometimes very serious, life events. Under this program, your loan balance may be canceled or your monthly loan payments canceled without penalty or added interest, helping to ensure you, your family, and your credit rating are protected during unexpected events.

In the event a vehicle is totaled or stolen, the insurance company settlement can be less than the outstanding loan balance at the time of loss. This may create a deficiency balance, or a "GAP", resulting in serious financial hardship.  GAP aims to cover the loan balance after the primary insurance company payment is applied. 

Yes, our team at GreenState Insurance offers a variety of auto coverage options.  For more information, visit https://insurance.greenstate.org/.

Depreciation Protection covers vehicle depreciation. It is a debt cancellation product that, in the event of a total loss, provides a benefit equal to the difference between the vehicle's NADA Retail value at the time of coverage enrollment and the loan balance at the time of the total loss. 

VPP protects consumers from normal driving incidents and out-of-pocket expenses that are not typically covered by insurance policies, manufacturer's warranties, or extended warranties.  Coverage may include windshield repair (restrictions may apply), paintless dent repair, key or remote replacement, roadside assistance, and more.

GreenState will hold the title as a Lien holder, but who holds the physical copy may vary by state. For specific detail, please call or chat with us.

Please mail the title to:

GreenState Credit Union
Attn: Titles Department
PO BOX 619
North Liberty, IA 52317

The title will released and mailed to the address on file within 10-14 days.  However, if GreenState has a signed Notice to Deliver on file, the title will be released according to the Notice to Deliver instructions.

The title will be released once the loan balance is paid to $0. You can complete a Notice to Deliver form to mail the title to different address than the one on file.

You can request a copy of the title by chatting with our Member Assistance Center team or calling (800) 397-3790.

You can make a chance to your title by chatting with our Member Assistance Center team or calling (800) 397-3790.

The refinance bonus will be disbursed on the first day of the month following receipt of the title reflecting our perfected lien.

Titles are only expedited if there is an emergent situation.

To view your GreenState loan(s), you must enroll in Online Banking using your member number. For setup instructions, visit our Digital Banking page.

To rename your loan in Online Banking:

1. Log in to Online Banking
2. Select the  loan
3. Select Details & Settings
4. Select Online Display Name to personalize

You can set your loan on automatic payments in Online Banking and have full control to make changes at any time. Payments can be made with funds from a GreenState or external account.  

To set up an automatic payment 

1. Log in to Online Banking 
2. Select Transfers & Payments from the menu
3. Select Pay A Loan/Credit Card
4. Set up the loan payment 
5. Select the ""Make this a recurring transaction"" box 
6. Click Submit. 

To connect a non-GreenState account for automatic payment

1. Log in to Online Banking 
2. Select Transfers & Payments from the menu
3. Select Add External Account and follow the instructions
4. A few days after completing Steps 1-4, you will receive two micro deposits to the account you are adding. When received, log back in to Online Banking, select Transfers & Payments, and then select Verify External Account. Once verified, the account will be available in the Payments drop down. 
5. Upon verification, follow the same automatic payment steps above

Yes, alerts can be set up in Online Banking for loan transactions. For details and setup instructions, visit our Card Controls page.

Online Banking gives you fast, convenient control of your money anytime. You can check balances, transfer funds, pay bills, and manage your accounts in just a few clicks. It saves time, keeps you organized, and helps you stay on top of your finances from anywhere.

Almost all of GreenState Credit Union loans are daily, simple interest loans, with the exception of first mortgages and credit cards.  On daily simple interest loans, interest accrues each day and is applied first to interest owed, with the remaining portion of the payment reducing the principal balance.  For mortgages and credit cards, please refer to your loan documentation for interest accrual details.

GreenState reports accurate account standings and history to the credit bureaus. Reporting for our mortgage and consumer loans occurs on the first day of each month, and credit card reporting occurs at the statement end date.

Higher credit scores generally indicate lower risk to lenders and can lead to better approval odds, lower loan interest rates, and higher credit card limits.

For specific loan consolidation questions, please visit a branch to speak with a lender or call our virtual branch at (800) 475-6728.

To transfer funds from an equity credit line:

1. Log in to Online Banking 
2. Select Transfers & Payments from the menu
3. Select Transfer Money
4. In the “From Account” drop down menu, select your equity credit line
5. Complete the remaining steps
6. Click Transfer Funds. 

Yes, GreenState offers land loans.  For more information, please contact a Mortgage Loan Officer.

If you are unable to make your payment by the due date, we encourage you to contact us as soon as possible. While payments made after the due date are considered late, reaching out early may allow us to review your account and discuss available options based on your situation. Payment assistance options are subject to eligibility and review. Contacting us does not guarantee approval of any modification or arrangement.

To qualify for SCRA benefits, the loan must have been acquired prior to being called to active duty and servicemembers must meet one of the following criteria:

• Full-time, active-duty members of the military branches (Air Force, Army, Coast Guard, Marine Corps, Navy)
• Reservists on federal active duty
• Members of the National Guard on federal orders for a period of more than 30 days
• Servicemembers absent from duty for a lawful cause or because of sickness, wounds, or leave
• Commissioned officers in active service of the Public Health Service (PHS) or the National Oceanic and Atmospheric Administration (NOAA)

Please call our product recovery team at  (319) 341-2165 ext 2.

In Online Banking, click on the loan tile and then select Details & Settings to see the year-to-date interest amount.

Please chat with or call the Member Assistance Center at (800) 397-3790. Please note, due dates cannot be adjusted on home equity lines of credit, fixed-rate home equity loans, or credit cards.

Click here to view setup instructions: Contactless Payments

From the Online Banking menu, select Manage Cards > Card Controls. Select the card > Add to wallet 

To enable or disable your card:

1. Log in to Online Banking 
2. Select Manage Cards
3. Select Card Controls
4. Select the card to enable/disable
5. Use the toggle to enable or disable your card

To report a card lost or stolen:

1. Log in to Online Banking 
2. Select Manage Cards
3. Select Card Controls
4. Find the card and select Card Details
5. Under Card Controls, select Report Lost or Stolen
6. Provide the requested information and select Submit

No, GreenState cards are not variable rate cards. 

To set travel notifications for a card:

1. Log in to Online Banking 
2. Select Manage Cards
3. Select Card Controls
4. Find the card and select Card Details
5. Under Communication, select Travel Notifications
6. Provide the requested information and select Submit

Steps to Redeem Your Credit Card Points

1. Log in to Online Banking
2. Start by logging into your GreenState online banking account on your computer or mobile device.
3. Navigate to the Rewards Section
4. On your home page, click or tap the Credit Card Rewards option.
5. Explore Your Reward Options

You’ll now see all the different rewards available. Choose how you’d like to redeem your points!

For balance transfers, please chat with or call the Member Assistance Center at (800) 397-3790.

Credit card interest works differently on purchases versus cash advances. Most credit cards offer a grace period on regular purchases, meaning you can avoid interest entirely if you pay your full statement balance by the due date. If you don’t pay in full, interest begins accruing after the statement closes and continues daily until the balance is paid. Cash advances, however, do not offer a grace period. Interest starts immediately on the day the cash is withdrawn, typically at a higher APR than regular purchases, and GreenState charges a cash‑advance fee of 4% (or $10, whichever is more) of the transaction amount. Because of the immediate interest, higher rates, and added fees, cash advances are significantly more expensive than standard credit card purchases.

Visit our compare cards page to review card benefits.