Important Notices

  • All Gesa branches and the Member Contact Center will be closed on Thursday, November 26, 2020 in observance of Thanksgiving Day. Normal hours of operation will resume on Friday, November 27, 2020. If you need immediate access to your accounts during the closure, please use Xpress Digital or Telephone Banking.

     

    Due to a significant increase in call volume, hold times may be longer than usual. Our Member Contact Center remains open Monday through Friday 7 a.m. - 7 p.m., except holidays, and from 9 a.m. to 5 p.m. on Saturdays to serve you. Thank you for your membership and we apologize for any inconvenience.

     

    Before visiting any of our locations during normal business hours, please CLICK HERE see a list of currently closed branches and branches with modified services.

Credit Cards

Image of Diamond Cash Back Card

See if you're pre-qualified for card offers

Check your eligibility for Gesa credit cards with no risk to your credit score.

Diamond Cash Back Card

The Diamond Cash Back credit card is the rewards card you've been asking for. Get the rewards you deserve with unlimited 1.50% cash back earned on all purchases. Benefits include:

  • Earn unlimited 1.50% cash back
  • Receive $100 Bonus Cash Back after $1,000 in qualified purchases within the first 90 days after account opening
  • 0% APR* intro rate on purchases for 6 months and on balance transfers for 12 months; after that, variable rates of 10.24% - 18.24% APR apply based on creditworthiness
  • No annual fee
  • No balance transfer fee
  • Visa® Signature Concierge
  • Additional Cardholder Benefits

Certain terms, conditions, and exclusions apply. †

Image of Platinum Credit Card

See if you're pre-qualified for card offers

Check your eligibility for Gesa credit cards with no risk to your credit score.

Platinum Card

With the Gesa Visa® Platinum credit card, you'll have the convenience of online shopping and traveling, along with an everyday low interest rate. Benefits include:

  • 0% APR* intro rate on purchases for 6 months and on balance transfers for 12 months; after that, variable rates of 6.99% - 18.99% APR apply based on creditworthiness
  • No annual fee
  • No balance transfer fee
  • Auto Rental Collision Damage Waiver

 Certain terms, conditions, and exclusions apply. †

Image of Shared Platinum Cash Back Credit Card

See if you're pre-qualified for card offers

Check your eligibility for Gesa credit cards with no risk to your credit score.

Share Secured Platinum Card

A Gesa Share Secured Visa® credit card is the perfect way to establish credit or build good credit, whether you're starting out or starting over. This card is secured by the available funds in your share savings account. Benefits include:

  • 0% APR* intro rate on purchases for 6 months and on balance transfers for 12 months; after that, variable rates of 6.99% - 18.99% APR apply based on creditworthiness
  • No annual fee
  • No balance transfer fee
  • Auto Rental Collision Damage Waiver

 Certain terms, conditions, and exclusions apply. †

Credit Card Comparison

Image of Diamond Cash Back Card

Diamond Cash Back Card

Image of Capital One Quicksilver Card

Capital One® Quicksilver Card

Image of Bank of America Cash Rewards Card

Bank of America® Cash Rewards Card®

Image of Chase Freedom Unlimited Credit Card

Chase Freedom Unlimited®

Unlimited 1.5% Cash Back on all Purchases

Yes, plus $100 Bonus Cash Back after $1,000 in qualified purchases within the first 90 days

Yes

No

No

Balance Transfer Fee

None

None

$10 or 3% of the amount of each transfer, whichever is greater

 $5 or 5% of the amount of each transfer, whichever is greater

APR for Purchases

Standard variable APR as low as 10.24%

Standard variable APR as low as 15.49%

Standard variable APR as low as 13.99%

Standard variable APR as low as 14.99%

APR for Balance Transfers

Standard variable APR as low as 10.24%

Standard variable APR as low as 15.49%

Standard variable APR as low as 13.99%

Standard variable APR as low as 14.99%

Comparison based on competitor data compiled on July 1, 2020 from company websites. Rates shown above do not include promotional rates or specials. Capital One®, Chase®, Bank of America®, Discover®, Wells Fargo, Citi®, and U.S. Bank® products are the property of their respective owners. Gesa Credit Union is not affiliated with or sponsored by any company mentioned.

† 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® Diamond Cash Back Credit Card Disclosure and Visa® Diamond Cash Back Rewards Terms and Conditions for further details.

To view the PDFs, you must have the free utility Adobe Reader. Click here to get it.

* APR = Annual Percentage Rate. Offer valid on new Visa® Diamond Cash Back, Visa® Platinum, and Visa® Share Secured credit card accounts only. For qualifying new accounts, introductory rate is valid for all purchase transactions for 6 months from the date the account is opened, and balance transfer rate is valid for 12 months from the date the account is opened if completed within the first 60 days the account is opened. After introductory or balance transfer periods have concluded, the APR will return to the regular rate and monthly periodic rate as specified in the Card Agreement (as low as 10.24% for Diamond Cash Back and as low as 6.99% for Platinum and Share Secured). The APR is a variable rate that is based on the Prime Rate as published in the Wall Street Journal.

Credit Card Comparison

Image of Platinum Card

Platinum Card

Image of Wells Fargo Credit Card

Wells Fargo Platinum Card

Image of Citi Diamond Preferred Card

Citi® Diamond Preferred® Card

Image of U.S. Bank Platinum Credit Card

U.S. Bank Visa® Platinum Card

Balance Transfer Fee

None

Intro fee of 3% of the amount of each transfer, after intro period 5%

$5 or 3% of the amount of each transfer, whichever is greater

$5 or 3% of the amount of each transfer, whichever is greater

APR for Purchases

Standard variable APR as low as 6.99%

Standard variable APR as low as 16.49%

Standard variable APR as low as 14.74%

Standard variable APR as low as 13.99%

APR for Balance Transfers

Standard variable APR as low as 6.99%

Standard variable APR as low as 16.49%

Standard variable APR as low as 14.74%

Standard variable APR as low as 13.99%

Comparison based on competitor data compiled on July 1, 2020 from company websites. Rates shown above do not include promotional rates or specials. Capital One®, Chase®, Bank of America®, Discover®, Wells Fargo, Citi®, and U.S. Bank® products are the property of their respective owners. Gesa Credit Union is not affiliated with or sponsored by any company mentioned

† 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® Platinum Credit Card Disclosure for further details.

To view the PDFs, you must have the free utility Adobe Reader. Click here to get it.

* APR = Annual Percentage Rate. Offer valid on new Visa® Diamond Cash Back, Visa® Platinum, and Visa® Share Secured credit card accounts only. For qualifying new accounts, introductory rate is valid for all purchase transactions for 6 months from the date the account is opened, and balance transfer rate is valid for 12 months from the date the account is opened if completed within the first 60 days the account is opened. After introductory or balance transfer periods have concluded, the APR will return to the regular rate and monthly periodic rate as specified in the Card Agreement (as low as 10.24% for Diamond Cash Back and as low as 6.99% for Platinum and Share Secured). The APR is a variable rate that is based on the Prime Rate as published in the Wall Street Journal.

Credit Card Comparison

Image of Shared Platinum Credit Card

Share Secured Platinum Card

Image of Bank Americard

BankAmericard® Secured Card

Image of Discover it Secured Card

Discover it® Secured Card

Image of Capital One Secured Mastercard

Capital One® Secured Mastercard®

APR for Purchases

0% intro rate for 6 months, after intro period standard variable APR as low as 6.99%

Standard variable APR as low as 22.99%

Standard variable APR as low as 22.99%

Standard variable APR as low as 26.99%

APR for Balance Transfers

0% intro rate for 6 months, after intro period standard variable APR as low as 6.99%

Standard variable APR as low as 22.99%

10.99% intro rate for 6 months, after intro period standard variable APR as low as 22.99%

Standard variable APR as low as 26.99%

Balance Transfer Fee

None

$10 or 3% of the amount of each transaction, whichever is greater

Intro fee of 3% of the amount of each transaction, after intro period 5%

None

Comparison based on competitor data compiled on July 1, 2020 from company websites. Rates shown above do not include promotional rates or specials. Capital One®, Chase®, Bank of America®, Discover®, Wells Fargo, Citi®, and U.S. Bank® products are the property of their respective owners. Gesa Credit Union is not affiliated with or sponsored by any company mentioned

† 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® Share Secured Credit Card Disclosure for further details.

To view the PDFs, you must have the free utility Adobe Reader. Click here to get it.

* APR = Annual Percentage Rate. Offer valid on new Visa® Diamond Cash Back, Visa® Platinum, and Visa® Share Secured credit card accounts only. For qualifying new accounts, introductory rate is valid for all purchase transactions for 6 months from the date the account is opened, and balance transfer rate is valid for 12 months from the date the account is opened if completed within the first 60 days the account is opened. After introductory or balance transfer periods have concluded, the APR will return to the regular rate and monthly periodic rate as specified in the Card Agreement (as low as 10.24% for Diamond Cash Back and as low as 6.99% for Platinum and Share Secured). The APR is a variable rate that is based on the Prime Rate as published in the Wall Street Journal.