Gesa branches will be closed on Saturday, November 11th for Veterans Day. Learn more about our holiday hours.

Gesa Credit Union will be closed on February 19, 2024 for Presidents' Day. This includes all branches and our Member Contact Center. Regular hours will resume February 20, 2024.

Update Notice: We're improving our systems on the evening of November 4. Gesa members may experience overnight service disruptions. Thank you for your understanding.

Spokane Wildfire Relief: Join Us in Making an Impact.

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Home loans —

If you plan to call it home, we’re here to help.

Borrow from a credit union in the neighborhood. We offer a variety of home loan options from refinancing to construction with competitive rates and features.


Stroll into the showroom with a pre-approved loan

Within minutes you can be pre-approved online or over the phone, so you’ll be ready to drive into the sunset when you find the new or used vehicle of your dreams. Our rates are always affordable for new or used vehicles, even for first- time buyers.

Calculate what you can afford and estimate your payments

Before you decide to purchase or refinance a home, make sure your new payment will fit in your budget. We’ve provided a wide range of calculators for you to use to determine what your payment could be.

Happy People

Home Loan Programs Made for You

Zero Down Home Loans

No down payment required, low rates, and no income exclusions. Sounds like a hoot!

3% Down Home Buyer Loan

Low interest rates, increased purchase power, a 50% debt to income ratio, less money needed to close. What’s not to love?

5/5 ARM Loans

Greater payment stability without yearly rate adjustments, a lower initial rate and lower down payment. Let’s take the leap!

Construction Loans

Our construction loans offer flexible options for financing while your home is being built, plus long-term financing after your home is complete. Contact a loan officer to get started today.

105% Purchase Loan

105% combined loan-to-value ratio (CLTV), low interest rates, no income restrictions, and the loan can be used towards closing, down-payment or pre-paids. Ready to get started?

Home Equity Loans

Home Equity loans let you borrow against the equity in your home. Looking to remodel? Finance a college education? Consolidate debt? Our Home Equity programs may be just the answer.

Down Payment Help

Answer a few question and see how many programs may match your circumstances.

Common Loan Terms

We’ve created a list of some of the more commonly used mortgage terms, and definitions in plain language.

ITIN Home Loans

If you’re a Gesa member with an ITIN you could qualify for a mortgage up to $500,000.

Common questions

Gesa is committed to offering competitive rates whether you are purchasing a home, refinancing, or looking into how you can take advantage of your home’s mortgage. You can check today’s rates using our rate tracker.

Gesa offers a diverse assortment of home loan programs no matter where you are in your home buying journey. Find a loan officer near you to find out more about our programs and which loan options is the best fit for you.

  • Conventional Loans
  • Zero Down Home Loans
  • 3% Down Home Buyer Loan
  • 105% Purchase Loan
  • ITIN Homes Loans
  • Adjustable-rate Mortgages (ARM)
  • Multiple terms lengths are available
  • Construction Loans
  • Jumbo Loans
  • Reduced Down Payment Options
  • Local Lenders & Local Approvals
  • Land Loans
  • Portfolio Products
  • Home Equity Loans
  • Home Equity Lines of Credit (HELOC)

Private Mortgage Insurance is provided by a private mortgage insurance company to protect lenders against loss if a borrower defaults. Private Mortgage Insurance is generally required for a loan with an initial loan to value (LTV) percentage in excess of 80%. In most cases, this will mean that you will have to pay Private Mortgage Insurance if your down payment is less than 20% of the value of the home you are purchasing or refinancing. The cost of the mortgage insurance is typically added to the monthly mortgage payment.

Your interest rate is the monthly cost you pay on the unpaid balance of your home loan. An Annual Percentage Rate (APR) includes both your interest rate and any additional cost or prepaid finance charges such as the origination fee, points, private mortgage insurance, underwriting, and processing fees (your actual fees may not include all of these items). While your interest rate is the rate at which you will make your monthly mortgage payments, the APR is a universal measurement that can assist you in comparing the cost of mortgage loans offered by different mortgage lenders.

Gesa Credit Union is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

Gesa Credit Union is a licensed mortgage lender in Washington, Oregon and Idaho.

People helping people.

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

Affinity Partner Cards

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 owner

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

Learn More

Banking made for you.

With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.

Gesa customer using card

Up to 5.00% APY
On select checking accounts!

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.

Notes & Fees Glossary

*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.

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