Take advantage of the benefits. You’ve earned them.

Emerald Club

Loyalty Has its Rewards

We’re proud to offer our customers, age 55 or better, money-saving benefits and easy access to fun and worthwhile opportunities. We have many customers currently enjoying the advantages and we invite you to join in on the fun!


The Emerald Club offers

  • No maintenance fee on Classic Checking account*
  • 50% discount on personal checks*
  • No monthly fee on ATM/Debit Card*
  • No service fee on personal money orders 
  • Discount on Visa® gift cards (Pay only $3/per card!)
  • Free photocopy service
  • Free notary service
  • Free financial counseling
  • Quarterly newsletter with financial tips, updates and event schedule
  • Periodic organized tours and social events

*One account per person only

Join the Club!

To become an Emerald Club member, you must be age 55 or better, and simply maintain one of the following:

  • $2,500 minimum balance in a checking, savings or IRA account
  • $10,000 in Certificates of Deposit
  • $5,000 in loan balances
  • Pay a $5 per month membership fee

STOP IN Upcoming Events

“Take a trip with us and be spoiled from the time you step aboard to when you arrive back home. You will love the trips, adventures and new friendships.” - 
-Wendy Lorenzen, Emerald Club Coordinator

Meet Wendy! 

"I have been with the Emerald Club 6 years, but I have been with United Bank of Iowa 29 years. I enjoy the Emerald Club events because I get to meet and talk to a lot of people along the way and bring them experiences that they will talk to their family and friends about.

Of all the Emerald Club trips, New York City (Ground Zero) was the most humbling. The 9/11 tragedy is one that the whole world suffered through all at the same time and one that I will never forget. 

It warms my heart seeing the smile of someone experiencing something for the first time and knowing that they chose Emerald Club to experience it. Thank you my fellow travelers for making my “job” a great adventure. I hope to see you on our next trip."


Don't just take our word for it, here's what our Emerald Club members are saying about their experiences:


"When it comes to the trips that we have been on, Harold and I have been very pleased with the bus tours that Emerald Club has organized. We are continuously impressed with how well organized the trips have been, down to the very last detail. Many hours were spent making the trips as seamless as possible. We have gained new friends, as well as rekindled old friendships. We have seen parts of the country that we would have never seen otherwise." - Harold and Kris Hare, Lake City, IA


"The trips with Wendy are the best! Everything is nicely done, well planned and quite relaxing. The buses are comfortable and roomy with great drivers. Accommodations have been first class. Our best getaways are with the friends we have made through Emerald Club, we look forward to another! -Jackie and Mike Goodin - Schleswig, IA


We joined the Emerald Club in 2014 and since then, have been to California, Florida, Tennessee, Mackinac Island, and will be going to Vermont, Maine and New Hampshire this year. We really enjoy going on the trips because we have lots of fun and make new friends. It is very nice that we don't have to drive and can enjoy ourselves and look at all the pretty scenery. The trips are very well scheduled; we have a daily routine all planned out for us and the bus drivers and tour guides do a great job of making the trip fun and keeping everyone in line. I hope everyone gets the chance to go on an Emerald Club trip with us, there is always lots to see and do and the trips run very smoothly. -Randy and Mary Kay Kent


"I'm just getting into Emerald Club the past few years but I've already been to Nashville, Michigan, and on the Iowa trip. I can say that the trips are always very well organized and they do a great job keeping track of all of us. The bus drivers are always excellent and everyone is very friendly. I am looking forward to what Emerald Club offers next and will definitely be back for more!" -Marilyn S. - Arthur, IA