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Personal Loans and Lines of Credit

We offer a variety of personal loans to fit your lifestyle and help you reach your financial goals. With affordable rates and a variety of terms, you can stay in charge by choosing the best option to fit your needs.

Personal Loans and Personal Lines of Credit

Gesa offers Personal Loans and Personal Lines of Credit for a variety of purposes. A Personal Loan is an unsecured signature loan and can be useful when you need a set amount of funds for a specific purpose. A Personal Line of Credit offers flexibility, allowing you to draw/repay funds up to a defined limit, giving you assurance that temporary cash flow problems won’t hinder your long-term goals.

Apply now for a personal loan or line of credit

Personal Loan and Personal Line of Credit Rates

Loan Type APR*
(as low as)
(up to)
Max. Term
Personal Loan 6.75% $30,000.00 24
Personal Loan 7.25% $30,000.00 36
Personal Loan 7.75% $30,000.00 48
Personal Loan 8.25% $30,000.00 60
Personal Loan 9.25% $30,000.00 72
Personal Line of Credit 9.00% $15,000.00 Open End

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

Notes and Fees

Personal Loan rates include a 0.25% discount for automatic transfer from a checking or savings account at the time the loan is originated. Rate is dependent on credit qualifications. Other rates and terms available.

Personal Line of Credit required fees include an annual fee of $35. Possible fees include an overdraft protection fee of $25 per transfer. Minimum payment is $50. Contact Gesa for full program details.

Payment Example – Personal Loan: fixed rate; terms to 24 months. $44.66 a month based per $1,000 on a 2 year loan at 6.75% APR.

FastCash Plus

Sometimes you need to borrow funds unexpectedly, which is why Gesa offers a non-traditional FastCash Plus loan option. The application and approval process is quick and easy, usually taking less than a minute! And once approved, funds are immediately available for use in your Gesa checking account.

  • Loan Amounts from $500.00 - $4,000.00
  • Repayment term is based on the amount borrowed, up to 36 months
  • 12 months of Gesa membership required

Apply for Gesa FastCash today by logging into Xpress Online.


FastCash Plus Rates

Loan Type Fixed APR* Max. Amount Term Details
FastCash Plus 36.00% $4,000.00 Varies No credit check

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

FastCash Plus Repayment Schedule
Loan Amount Term Payment
$500 - $700 6 months $90 - $130
$701 - $999 9 months $90 - $130
$1,000 - $1,500 12 months $100 - $150
$1,501 - $2,000 15 months $125 - $167
$2,001 - $2,500 18 months $145 - $182
$2,501 - $3,000 24 months $148 - $178
$3,001 - $4,000 36 months $138 - $185

Citizenship Loans

Credit unions have always been about community and supporting our members. Many people moving to the United States need support so they can become established more quickly. Our citizenship loans offer smaller, short-term loans to help ease the transition and cover citizenship application fees:

  • Borrow up to $1,000
  • Terms up to 12 months


  • Credit union membership
  • Applicant must live within 100 miles of a Gesa Credit Union Member Service Center
  • Must have a valid “Work Purpose Only” social security card 

Collateral is not required, and no credit is needed to receive financing – in fact, our loan can even help you build credit! Once the loan is opened, a $680 check will be made payable to the Department of Homeland Security to cover the citizenship application fee.

When applying online: Select personal loan as the product and citizenship loan as the loan purpose. You can also apply at any local Member Service Center, by phone, or mail.

Citizenship Loan Rates

APR* Loan Amount Max. Term
15.00% $1,000.00 12

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

Notes and Fees

Payment Example – Citizenship Loan: fixed Rate; terms to 12 months. $90.26 a month based per $1,000 on a 1 year loan at 15.00% APR.

Debt Consolidation

If you're spending more time paying bills than enjoying life, it's time to consider a debt consolidation loan. Along with the peace of mind of one low monthly payment, you may also benefit from:

  • Convenient automatic payments
  • Tax benefits1
  • Extra cash for summer vacations

Gesa offers a variety of loans to consolidate your debt.

1Not all loans qualify. Be sure to consult your tax professional for details.

Home Equity Fixed

  • No appraisal fee on Fixed Home Equity Loans of $50,000 or more
  • Low rates
  • Borrow up to 90% of your home's appraised value
  • One-time loan advance

Home Equity Line of Credit

  • Low rates
  • Borrow up to 90% of your home's appraised value
  • No credit report fee
  • No loan origination fee

Refinance Your Vehicle or Loan on Your Own Title

  • Use the equity in your car
  • Quick loan processing
  • Competitive rates

Apply Now

Share or Certificate Secured Loans

Share or Certificate Secured Loans give you the convenience of borrowing at a low rate! Loans are secured by your share savings or certificate share account, and approvals are not based on your credit score.

  • Rates are set at a low fixed amount above the current share rate or your certificate rate
  • Borrow up to 100% of your account/certificate balance and pay the loan off at any time
  • Protect your assets with loan protection products

Apply Now

Share-Secured Loan Rates

Loan Type APY* Max. Term
Share Secured Loan Share rate plus 2.00% 36
Share Secured Loan Share rate plus 3.00% 37 – 60

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 6/1/2021, the last dividend declaration date.

Notes and Fees

Minimum Payment amount of $50.

Payment Example – Share-Secured Loan: fixed rate; terms to 60 months. $18.33 a month based per $1,000 on a 5 year loan at 3.80% APR.