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Rick York
Commercial Loan Officer
Boise – Treasure Valley
Mobile (208) 830-4893
Email [email protected]
Routing Number 325181248
Home loans –
Boise and Treasure Valley banking with Gesa Credit Union
Idaho borrowers can explore mortgage options including Zero Down Home Loans, 3% down programs, and Adjustable Rate Mortgages (ARM) with low rates, while businesses can connect with local commercial lenders.
Local Lending Support for Boise Homebuyers and Treasure Valley Businesses
Buying a home or growing a business in Boise or the wider Treasure Valley goes more smoothly when you can talk with someone who knows the local market. Gesa already has local experts serving this area, so you can start with a real conversation and clear next steps right away.
What home loans are available in Boise and Treasure Valley?
Whether you’re buying in Boise or refinancing in the Treasure Valley, Gesa offers purchase and refinance options for different budgets and timelines. You can compare rates, start an application, and get guidance from a loan officer.
Commercial Banking for Boise and Treasure Valley Businesses
At every stage of your business, access to capital matters—whether you’re opening your doors, adding a new location, or taking on bigger contracts. Gesa is here to help you reach those goals with business loans and lines of credit tailored to how you actually operate.
Frequently asked questions
Yes. Gesa serves members in Boise and the broader Treasure Valley with dedicated local teams for home loans and commercial banking.
Yes. Gesa offers home loans to members in Washington, Oregon, and Idaho, including the Boise and Treasure Valley area. You can apply online or work directly with a local loan officer.
Yes. Gesa offers a full range of business and commercial services in the Treasure Valley, including:
- Business accounts
- Term loans and lines of credit
- SBA and USDA loans
- Commercial real estate financing
- Treasury management services
Yes. You can open a Gesa checking account online, then use digital banking for bill pay, transfers, mobile deposit, and more.
Gesa offers checking and savings accounts, credit cards, personal loans, auto loans, and certificates of deposit (CDs).
You can handle most everyday banking digitally with online and mobile banking, including opening accounts, applying for loans and credit cards, depositing checks, paying bills, transferring funds, using Zelle®, setting alerts, viewing eStatements, and managing card controls.
Start with Dustin Lopez, Gesa’s Boise/Treasure Valley Idaho Mortgage Market Sales Manager, at (208) 405‑1050 or [email protected]. You can also reach the home loan team at (833) 710‑0652.
For commercial loans and business banking in the Treasure Valley, contact Rick York, Commercial Loan Officer, at (208) 830-4893.
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.
Facing an unexpected financial emergency?
We offer a range of relief options to ease short-term stress and support you.
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With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.
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:
- Social Security Number (SSN)
- Color copy of driver's license, state ID, or US Passport
- Contact info
-
Opening deposit by debit card or e-transfer*
*Credit cards are not accepted.
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 | ||
|---|---|---|
| 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 |