Routing Number 325181248
Promotions –
Rates as low as
4.99% | 5.76% APR*
Home loans within a 10/10 ARM’s reach
With home loan rates well below the market average, this limited-time 10/10 ARM special helps members like you save on monthly payments and make homeownership more affordable!
- Purchase transactions only
- Primary and second homes
- As little as 3% down payment
- Loan amounts up to $3 million
- 30-year mortgage
- Rate resets every 10 years
Affordable monthly payments & flexibility to refinance
Why Choose a 10/10 ARM? Because buying your first home or upgrading to your next comes with big decisions—including how you finance it.
A 10/10 ARM (Adjustable-Rate Mortgage) gives you a decade of fixed-rate stability, then adjusts only once every 10 years after that. That means you get a lower starting rate than most fixed loans, more affordable monthly payments, and the flexibility to refinance or relocate before the rate ever changes!
Future flexibility
A 10/10 ARM is designed for life in motion. If you plan to move or relocate, grow your family, or upgrade your home in the next 5–10 years, this loan gives you lower upfront costs without locking you into a long-term rate.
Even if plans shift, you’ve got 10 full years of payment stability—and the option to refinance later. For many Gesa members, it’s the best of both worlds: more buying power today, more options tomorrow.
Start with a preapproval
Knowing your budget is the best first step. A preapproval shows sellers you’re serious and helps you shop with confidence.
We’ll look at your income, credit, and assets, then give you a personalized estimate of what you can afford. Whether you’re a first-time buyer or a seasoned homeowner, preapproval is key to a smoother, faster homebuying experience.
Recognized for putting members first
FAQs
You’ll get a fixed interest rate for the first 10 years. After that, the rate adjusts once every 10 years for the rest of the loan.
Absolutely. Many members refinance before the first adjustment, especially if rates drop or their plans change.
Nope—this offer is open to any qualified member looking to purchase a home in Washington, Oregon, or Idaho.
- Interest rate is the percentage charged on the unpaid balance of your loan (used to calculate monthly payments).
- APR (Annual Percentage Rate) includes the interest rate plus fees, points, and other finance costs, giving a more complete cost of borrowing.
To start, you’ll typically provide:
- Proof of income (recent pay stubs)
- Two-year employment history
- Recent bank statements for assets
- Authorization for a credit check
- Valid government-issued photo ID
Disclosures
*All loans subject to credit approval and membership eligibility. Offer applies to purchase transactions only for the 10/10 ARM product. No rate buydowns permitted. Rates, terms, and conditions subject to change without notice. Annual Percentage Rate (APR) based on individual credit qualifications, loan amount, and loan-to-value (LTV). APR may increase after consummation. Equal Housing Lender. Gesa Credit Union NMLS 402395.
Example Payment (for illustration only):
For a $300,000 loan with a 30-year term on a 10/10 ARM at an initial interest rate of 4.99% (5.764% APR, including 1% origination fee) based on the 10-Year Treasury index (4.05% as of 10/2025) plus 0.94% margin (first 10 years), then 2.75% margin at the 10-year reset:
- Months 1–120: Estimated principal & interest $1,607.76 at 4.99% (initial fixed period).
- Months 121–360: Estimated principal & interest $2,005.87 at the fully indexed rate of 6.80% (index + 2.75% margin; rate/payment may adjust every 120 months thereafter, subject to a floor of 4.99% and a cap of 5% over start rate).
Payments do not include taxes or insurance; your actual payment will be higher.
Routing Number: 325181248
51 Gage Blvd. Richland, WA 99352
Federally insured by NCUA
Equal Housing Opportunity
Co-op Shared
Branch
© Gesa Credit Union. All Rights Reserved.
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Notes & Fees Glossary
| Disclaimer | ||
|---|---|---|
| SmartPlus Checking | [APY] Minimum opening balance of $25 required if the account is opened online. In order to earn 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. APY is accurate as of , the last dividend declaration date. | A7KD4W9LQXZT |
| Smart Checking | *There is a minimum opening balance requirement of $25.00 if the account is opened online. Regular users of Gesa’s electronic services may want to consider SmartPlus Checking for additional benefits. [Courtesy Pay] | M3VY82CNRLKP |
| Student Checking | [APY] Dividends on Student Checking Accounts are calculated using the daily balance method and will be credited to the member’s account every month. Rate may change after the account is opened. If you close your account before dividends are paid, you will not receive the accrued dividends. The minimum balance to open an account is $5.00, the par value of a share. Courtesy Pay is not offered on Student Checking Accounts. Only electronic transactions such as debit card or ACH transactions are permitted. Fees could reduce earnings on the accounts. | JXZ7V5MWLQ92 |
| Smartplus Savings | [APY] In order to earn a high dividend rate, you must meet the following requirements during the qualifying monthly period: a) provide and maintain a valid email address; and b) be enrolled to receive e-statements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY would apply to the entire balance. Dividends on an SmartPlus Savings 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. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings. Limited to one SmartPlus Savings account per member. | P9T6QF2XJBLC |
| Smart Savings | [APY] Dividends on Smart Savings are calculated using the daily balance method and are paid monthly. Rate may change after the account is opened. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings on the account. | Y4MKZ3WVTPQ8 |
| High-Yield Savings | [APY] Dividends on the High Yield Savings account are calculated using the daily balance method and are paid monthly. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings. | NDLXQ98R5VTE |
| Money Market | [APY] Dividends for the Money Market Account are calculated using the daily balance method which applies a daily periodic rate to the balance in the account each day. You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield. The minimum balance required to open this account is $2,500.00. There is a minimum average daily balance of $2,500.00 required to avoid a service fee for the calendar month. If the minimum average daily balance requirement is not met, you will be charged a service fee as stated in the Consumer Fee Schedule. New rates are set on the first of each month; rate may change after the account is opened. Fees could reduce earnings on the account. | GQ37ZVKY1WLM |
| Fixed Certificate | [APY] A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to open the certificate is stated in the chart. Early withdrawal penalties apply (a penalty may be imposed for withdrawals before maturity): If your account has an original maturity (term) of less than 12-months: The penalty will equal 90 days interest on the amount withdrawn subject to penalty. If your account has an original maturity (term) of 12-months or more – up to, but less than 36-months: The penalty will equal 180 days interest on the amount withdrawn subject to penalty. If your account has an original maturity of 36-months or more – up to, but less than 48-months: The penalty will equal 365 days interest on the amount withdrawn subject to penalty. If your account has an original maturity of 48-months or greater: The penalty will equal 540 days interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. For any account which earns an interest rate that may vary during the term such as a bump certificate, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal. You may make withdrawals of principal from your account before maturity. In making such withdrawals, your balance may not fall below the minimum or we will close your account. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest only on the crediting dates without penalty. A $500 minimum deposit is required for consumer, IRA, and business certificates. Early withdrawal penalties may apply and may reduce earnings. Certificate rate is for a limited time only and could end at any time. Stated rate as of the first day of the month. | H85PLKJXZ2QM |
| Bump Certificate | [APY] A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to open the certificate is stated in the chart. The Certificate owner must contact Gesa Credit Union to request the one-time rate increase on Bump Certificate accounts. The rate on the Bump Certificate will be changed on the following business day of the date Gesa Credit Union receives the request. The bump option can only be exercised once during the term of the Certificate and does not increase the term of the certificate. The new interest will not be applied retroactively. The new interest rate will be the interest rate we are then offering on regular certificates (non- bump rate certificates) that have the same term and minimum balance. Bump Certificates are only available for consumer and IRA Certificates. Early withdrawal penalties will apply. Minimum deposit balance must be maintained to earn APY and fees may reduce earnings on the account. Special offer for a limited time only. | RXNQ72MLYV9C |