Green Belt Bank & Trust savings, CD and money market rates
Green+ Savings advertises 3.02% APY on balances of $3,000 or more, and 0.10% below that. That is 2.64 percentage points above the national savings average of 0.38% (FDIC, Oct 2026).
The rate needs a linked account at the bank.
Ranked #313 of 3150 tracked savings rates by advertised APY. For a $10,000 balance it would rank #183.
Estimate your earnings·What Green Belt Bank & Trust actually pays
Green Belt Bank & Trust at a glance
| Savings | |
|---|---|
| Top savings APY | 3.02% · Green+ Savings · balances of $3,000 to $300,000 only · needs a linked account at the bank |
| Minimum to open | $100 · Green+ Savings |
| Against the national average | 2.64 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 4.00% · 24 months · 24 Month Legacy CD |
| Minimum to open | $20 · 24 months CD |
| Against the national average | 2.45 percentage points above the 1.55% FDIC 24-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | Up to 1.00% · Money Market Prime Account · needs at least $1,000,000 |
| Minimum to open | not stated · Money Market Prime Account |
| Against the national average | 0.37 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 26760 · Iowa Falls, IA |
|---|---|
| Website | www.greenbeltbank.com |
| Branches | 9 branches in IA |
| Availability | Available in IA |
Green Belt Bank & Trust savings, CD and money market rates
How the rate applies
How the rate applies
How the rate applies
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.20% or more. See the highest savings rates.
Green Belt Bank & Trust CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 6 months | 3.55% | $1,000 | 6 Month CD |
| 12 months | 3.60% | $1,000 | 12 Month CD |
| 18 months | 3.50% | $500 | 18 Month CD |
| 24 months | 3.50% | $500 | 24 Month CD |
| 24 months | 4.00% | $20 | 24 Month Legacy CD |
| 30 months | 3.50% | $500 | 30 Month CD |
| 36 months | 3.50% | $500 | 36 Month CD |
| 48 months | 3.50% | $500 | 48 Month CD |
| 60 months | 3.50% | $500 | 60 Month CD |
Interactive Tool
Calculate Savings for Green Belt Bank & Trust
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$1,177.20(7.8%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,177.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Green Belt Bank & Trust pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 3.02% applies to balances from $3,000 to $300,000. Below $3,000, the account advertises 0.10%. A balance above $300,000 earns 0.75% on the whole amount.
In Q2 2026, Green Belt Bank & Trust paid a higher average rate on savings and money market deposits than 78% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Green Belt Bank & Trust, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Health Savings Account | 3.04% | $0 | $0 | None | not stated | not stated | One rate | |
| Fine print: The stated APY is paid only with electronic statements. Without them the account earns the bank's lower posted rate. | ||||||||
| Green+ Savings | 3.02% | $100 | $0 | $299,999.99 | not stated | Linked account at the bank · direct deposit not stated | Tiered | |
| Fine print: Each debit item over 15 in a quarterly statement cycle costs $1.00, and a mailed paper statement costs $3.00. | ||||||||
| Christmas Club Savings | 3.00% | not stated | $0 | $10,000 | not stated | not stated | Tiered | |
| Fine print: The stated APY applies to balances up to $10,000, and the balance above that earns a lower rate. Interest is paid in early November. | ||||||||
| Regular Savings | 0.10% | $50 | $0 | None | $3.00 per quarterly statement cycle if the average daily balance is not maintained, can be waived | not stated | One rate | |
| Fine print: The fee is charged per calendar quarter and is waived by a $100 average daily balance for the quarter or for students through age 23. Each debit item over 15 in a quarter costs $1.00. | ||||||||
| Kids' Club Savings | 0.01% | not stated | $0 | None | not stated | not stated | One rate | |
| Money Market Prime Account | Up to 1.00% | not stated | $1 | None | not stated | not stated | Tiered | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| 6 Month CD | 6 months | 3.55% | $1,000 | not stated | not stated |
| 12 Month CD | 12 months | 3.60% | $1,000 | not stated | not stated |
| Fine print: Additional deposits are permitted during the term. | |||||
| 18 Month CD | 18 months | 3.50% | $500 | not stated | not stated |
| 24 Month CD | 24 months | 3.50% | $500 | not stated | not stated |
| 24 Month Legacy CD | 24 months | 4.00% | $20 | not stated | not stated |
| 30 Month CD | 30 months | 3.50% | $500 | not stated | not stated |
| 36 Month CD | 36 months | 3.50% | $500 | not stated | not stated |
| 48 Month CD | 48 months | 3.50% | $500 | not stated | not stated |
| 60 Month CD | 60 months | 3.50% | $500 | not stated | not stated |
Opening and using the account
| Availability | Available in IA |
|---|---|
| Footprint | 9 branches in IA |
| Eligibility | An existing deposit or loan relationship with Green Belt Bank & Trust is required. Public fund accounts are not eligible. |
How Green Belt Bank & Trust behaves over time
Every observation of the advertised Green+ Savings rate in the last 12 months was 3.02% (observed through Nov 2, 2026). The series includes promotional tiers where one applied.
- Green+ Savings
- The same as 30 days ago.
- 24 months CD
- The same as 30 days ago.
- Rate last changed
- Aug 27, 2026(effective date)
$10,000 at the 3.02% APY Green Belt Bank & Trust advertises on Green+ Savings grows to $10,302 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,931 does today. See how the federal funds rate shapes savings rates.
Green Belt Bank & Trust CD rates over time
Who is Green Belt Bank & Trust?
| Headquarters | Iowa Falls, IA |
|---|---|
| Founded | 1986 |
| Scale | $759M assets · $677M deposits, $620M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 26760 |
| Charter state | Iowa · one of 226 insured banks chartered there (Q2 2026, FDIC) |
| Size | 1,244th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 66% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Green Belt Bank & Trust pays on deposits above.
Common questions about Green Belt Bank & Trust
Is Green Belt Bank & Trust FDIC insured?
Yes. Green Belt Bank & Trust is FDIC insured under certificate 26760, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Green Belt Bank & Trust?
Green Belt Bank & Trust requires a minimum deposit of $100 to open its Green+ Savings account, as observed on Nov 2, 2026. Check the bank's current terms before you open an account.
Does the 3.02% apply to my whole balance?
The 3.02% applies to balances from $3,000 to $300,000. Below $3,000, the account advertises 0.10%. A balance above $300,000 earns 0.75% on the whole amount. The rate needs a linked account at the bank.
Does Green Belt Bank & Trust have branches?
Yes. Green Belt Bank & Trust operates 9 branches according to FDIC branch records, in addition to its website and mobile apps.
Green Belt Bank & Trust against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Green Belt Bank & Trust | 3.02% | 2.24% | $100 | 9 branches in IA |
| First National Bank of Hereford | 3.03% | 3.01% | $100 | 4 branches in TX |
| BMO Alto | 3.00% | 1.61% | $0 | not stated |
| Bonanza Valley State Bank | 3.00% | 2.36% | $100 | 1 branch in MN |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Green Belt Bank & Trust's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Iowa, nearest to Green Belt Bank & Trust in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Iowa, money market rates in Iowa, and banks in Iowa.