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Gesa Credit Union will be closed on [X] for [X]. This includes all branches and our Member Contact Center. Regular hours will resume the next business day. Learn more about our holiday hoursGesa Day of Service.
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Earn $100 & unlimited 1.5% cash back

This holiday season, get the rewards credit card you deserve

Auto loans as low as 5.24% APR when you move it here

Give yourself the gift of lower payments.

Earn 3.00% APY with SmartPlus Checking*

If your money’s not growing, what’s it doing?

We gave $3,800,000 to the community in 2023

Thanks to members like you!

Gesa’s 71st Annual Membership Meeting is scheduled for April 11, 2024 at 6:00 p.m.

Member-owned. 

No shareholders.
Community-focused.

When you bank with us, you keep your money in your community and give back to local schools and organizations.

Consumer Lending Pattern

Stock-the-Sock

November 18 - December 9

Hunger Action Month

September 1-30

Sound the Alarm

April 6 - May 3
Gesa Credit Union Logo
American Red Cross
Help bring awareness to home fire safety

Gesa gives back through scholarships, free seminars, and more.

We are committed to making a positive impact in the communities we serve through scholarships and projects that support schools, education, and Local Heroes. We’ve reached 55,000+ participants through financial education efforts since 2015.

Given back to our communities in 2023
$ 0 million
In scholarships awarded to local students since 1987
$ 0
Awarded to local schools through our Affinity Card Program
$ 0

Stock-the-Sock

November 18 - December 9

Hunger Action Month

September 1-30

Sound the Alarm

April 6 - May 3
Gesa Credit Union Logo
American Red Cross
Help bring awareness to home fire safety
Financial Education
To those who say, “I’m not good with money.” We say, “yet.”
Gesa University

Notes and Fees

Auto Refinance

*APR = Annual Percentage Rate. Offer valid for auto loans currently financed through other financial institutions only and not available for new purchases. Cash out refinances from other institutions and own title loans are acceptable. Auto loans must be at least 90 days old in order to refinance with Gesa. Existing loans financed through Gesa are not eligible for this promotion. In order to qualify for the lowest rate of 5.24% and no payments for 120 days with interest continuing to accrue during this time, you must meet certain credit criteria and have relationship pricing. Relationship pricing includes 0.25% discount for having a Gesa checking account, and 0.50% discount for having a Gesa Visa® credit card. Additionally, rate includes 0.25% discount for autopay transfer from a checking or savings account at the time the loan is originated by members who refinance with Gesa. Not all members will qualify. Ineligible Collateral: Vehicles greater than one ton, any vehicles or collateral titled as commercial or intended for commercial use. No salvage vehicles, branded titles, lemon-law buy-backs, straw purchases, or vehicles/motorcycles over 125,000 miles. All loans subject to approval. Contact Gesa Credit Union for details.

SmartPlus Checking

*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 12/01/24, the last dividend declaration date. Minimum opening balance of $25 required if the account is opened online.

In order to earn 3.00% APY and receive unlimited domestic ATM fee refunds, you must meet the following requirements during each monthly qualifying period: provide and maintain valid email address, apply for and use your Visa debit card to make 15 debit card transactions that post and settle to your account, have at least one direct deposit of $200 or more post to your account, and enroll to receive eStatements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY will apply to the entire balance.

Dividends on a SmartPlus Checking account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. Rate may change after the account is opened. The qualifying period begins with the first day of the calendar month and ends on the last day of the calendar month at 6:00 P.M. Pacific Time. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. No monthly fees and no minimum balance required to open or maintain account unless opened online. Fees could reduce earnings on the account. Limit of one SmartPlus Checking account per member.

Cash Rewards Card

Please refer to your Visa® Cash Rewards Credit Card Disclosure for important information about rates, fees and other transaction fees.

† Visa Signature Concierge. Certain terms, conditions, and exclusions apply. In order for coverage to apply you must use your covered Visa® card to secure transactions. Please refer to your Visa® Cash Rewards Terms and Conditions for further details.

Cardholder Benefits Documents

*APR = Annual Percentage Rate. Offer valid on new Visa® Cash Rewards credit card accounts only. Account transfers such as lost, stolen, or Program changes are not considered new accounts and do not qualify for $100 bonus. For qualifying new accounts opened on or after 12/01/24, earn a $100 cash rewards bonus upon reaching $1,000 in net purchase transactions made with your Cash Rewards credit card account within 90 days of the account opening date. For qualifying new accounts, 0% introductory rate is valid on balance transfers for 6 months. Balance transfers must be completed within 60 days from the date the account is opened to obtain the introductory rate. After introductory period has concluded on balance transfers, the APR will return to the regular rate and monthly periodic rate as specified in the Card Agreement (as low as 17.74% – 28.99% for Cash Rewards). The APR is a variable rate that is based on the Prime Rate as published in the Wall Street Journal.

People helping people.

Gesa credit union is committed to making a positive impact in the communities we serve.

Affinity debit cards give back to your community when you swipe.

We're in the business of growing yours.

We have the accounts, products, and services to help you and your small business succeed.

Business East

Business Visa:
A low-rate card made for business owners.

Learn More

We have upgraded to a new account opening process. Click Get Started to continue.

Getting started is easy!

Applying should only take a few minutes. Please have these documents ready:

Call (888) 946-4372 or apply at a branch

Already a member?

Use your online banking log-in to pre-fill your application with saved information.

You can easily change your debit card through our affinity form.

Notes & Fees Glossary

 Disclaimer
*APY* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of the first day of the month – the last dividend declaration date.
SmartPlus Checking*To earn the higher rate, you must:
  1. Enroll in eStatements
  2. Make a monthly direct deposit of over $200
  3. Complete 15 debit card transactions
  4. Provide and maintain a valid email address
  5. Limit one account per member
For any month where the account does not meet the qualification requirements, the account will earn a lower rate. Minimum balance of $5 needed to open.Qualifying account balances meet minimum requirements. APY subject to change monthly. Rate may change after the account is opened. The qualifying period begins with the first day of the calendar month and ends on the last day of the calendar month at 6:00 P.M. Pacific Time. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings. Limit of one specialty checking account (Smart Plus Checking) per member.

* * * * *