GreenState Credit Union on Your Credit Report
In short: GreenState Credit Union is a federally insured credit union headquartered in North Liberty, IA, chartered in 1938 under NCUA charter number 60269. It reports 359,136 members and $10,946,944,457 in total assets. It was formerly the University of Iowa Community Credit Union and serves members across Iowa and neighbouring states, with a large mortgage-lending operation. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who GreenState actually is
Who actually issues this credit
GreenState is a credit union, not an FDIC-insured bank, so it holds no FDIC certificate. The NCUA records it as charter number 60269 (FISCU), chartered in 1938 and headquartered in North Liberty, IA. Member deposits at federally insured credit unions are insured by the NCUA's Share Insurance Fund rather than the FDIC.
What makes this creditor different
GreenState holds NCUA charter 60269, chartered in 1938, and reported 359,136 members and $10,946,944,457 in assets to the NCUA — a member-owned institution rather than a shareholder-owned bank, which is why it carries no FDIC certificate. The CFPB logged 7 credit-card complaints naming it since January 2025, led by incorrect information on a credit report (2).
How GreenState appears on your credit report
GreenState furnishes tradelines to the bureaus exactly as a bank does, and your FCRA dispute rights are identical. The structural difference is membership: this is a FISCU serving non-federal credit union, with 359,136 members reported to the NCUA, and one membership can carry several linked products — a share-secured card, an auto loan and a personal loan — that each report as a separate tradeline. It runs a large mortgage operation, so a member may hold both a deposit relationship here and a mortgage that was later sold to another servicer — two different furnishers from one relationship. When disputing, identify the specific account rather than the member number, because one member number can map to several tradelines.
Names it may report under
Products that commonly show up
- ◆Credit union credit card accounts
- ◆Mortgages and home equity lines
- ◆Auto loans
- ◆Personal and share-secured loans
What consumers report to the CFPB
These are counts of complaints filed with the Consumer Financial Protection Bureau about credit cards, from the CFPB's public complaint database. They describe the company's complaint history — they are not a prediction about any individual account.
Source: CFPB Consumer Complaint Database, product “Credit card”, company “GREENSTATE CREDIT UNION”. Snapshot retrieved 2026-10-17. Complaint counts change over time.
Grounds to dispute a GreenState entry
Each of these is a reason a GreenState tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account reporting under the legacy University of Iowa Community Credit Union name
- ◆Mortgage balance inconsistent with the payoff statement
- ◆Incorrect information reported after a loan was sold or transferred
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
GreenState Credit Union is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, GreenState Credit Union has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send GreenState Credit Union a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
GreenState Credit Union questions, answered
Is GreenState FDIC-insured?
No — and that is normal for a credit union rather than a red flag. Credit unions are insured by the National Credit Union Administration's Share Insurance Fund, not the FDIC. The NCUA lists GreenState under charter number 60269, a FISCU chartered in 1938. No FDIC certificate is asserted on this page because none exists for a credit union.
How big is GreenState?
According to the NCUA's own credit-union records, GreenState reports 359,136 members and $10,946,944,457 in total assets, operating from North Liberty, IA. Those figures come from the NCUA's published call-report data, not from the credit union's marketing.
What do people complain to the CFPB about most with GreenState?
Since January 2025 the CFPB's public database records 7 credit-card complaints naming GreenState, the largest category being "Incorrect information on your report" (2). That is a small volume in absolute terms; it is published here as a public statistic about the institution, not as a prediction about your account. Snapshot taken 2026-10-17.
How do I dispute a GreenState tradeline?
Dispute with the three bureaus under FCRA §611 and directly with GreenState as the furnisher under FCRA §623. Credit unions are furnishers with the same accuracy obligations as banks. Send it in writing, identify the exact account, and keep copies. Results depend on what the credit union can verify.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by GreenState Credit Union; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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