A network issue has caused an outage in our call center and branches. Weāre working as quickly as we can to resolve the issue. Our apologies for any inconvenience.
A network issue has caused an outage in our call center and branches. Weāre working as quickly as we can to resolve the issue. Our apologies for any inconvenience.
Branches will closed Monday, January 2nd in observance of the New Year Holiday.
Gesaās 70th Annual Membership Meeting is scheduled for April 13, 2023 at 6:00 p.m.
With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.
Up to 5.00% APY
On select checking accounts!
We have the accounts, products, and services to help you and your small business succeed.
Business Visa:
A low-rate card made for business owners.
Gesa credit union is committed to making a positive impact in the communities we serve.
Affinity debit cards give back to your community when you swipe.
Gesa makes banking as easy, convenient and secure as possible.
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.
Within minutes you can be pre-approved online or over the phone, so youāll 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.
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.
No down payment required, low rates, and no income exclusions. Sounds like a hoot!
Low interest rates, increased purchase power, a 50% debt to income ratio, less money needed to close. Whatās not to love?
Greater payment stability without yearly rate adjustments, a lower initial rate and lower down payment. Letās take the leap!
Our construction loans offer flexible options for financing while your home is being built, plus long-term financing after your home is complete.Ā Contact a loan officer to get started today.
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 let you borrow against the equity in your home. Looking to remodel? Finance a college education? Consolidate debt? OurĀ Home Equity programsĀ may be just the answer.
Answer a few question and see how many programs may match your circumstances.
Weāve created a list of some of the more commonly used mortgage terms, and definitions in plain language.
If youāre a Gesa member with an ITIN you could qualify for a mortgage up to $500,000.
Gesa offers a diverse assortment of home loan programs no matter where you are in your home buying journey.Ā Find a loan officerĀ near you to find out more about our programs and which loan options is the best fit for you.
Gesa is committed to offering competitive rates whether you are purchasing a home, refinancing, or looking into how you can take advantage of your homeās mortgage.Ā You can check todayās rates using our rate tracker.
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.
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You are being redirected to a site that is not operated by Gesa Credit Union. Gesa is not responsible for the content of the site, nor does Gesa represent the site or the Gesa member if the member decides to act upon or enter into a transaction with the site.
Privacy and security policies of the site may differ from those of Gesa Credit Union.
Gesa makes banking as easy, convenient and secure as possible.
Gesa credit union is committed to making a positive impact in the communities we serve.
Affinity debit cards give back to your community when you swipe.
We have the accounts, products, and services to help you and your small business succeed.
Business Visa:
A low-rate card made for business owners.
With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.
Up to 5.00% APY
On select checking accounts!
Routing Number 325181248