*APY = Annual Percentage Yield. Available for a limited time and subject to end at any time. Incentives will be paid by a direct deposit into the member’s savings account, after all qualification criteria are met and within 60 days of account being open. The incentive payments are subject to required IRS reporting.

¹ A $500 minimum deposit is required. Early withdrawal limitations and/or penalties may apply and may reduce earnings. Please visit gesa.com for more information on applicable fees and terms. Certificate rate is for a limited time only and could end at any time. Stated rate accurate as of April 1, 2024 and is subject to change. 9-month CD offer available at Post Falls location only.

² To be eligible for the $300 checking incentive, you must open a new SmartPlus checking account, enroll in eStatements, complete 15 debit card transactions (ATM transactions excluded), and receive a payroll or government benefit direct deposit within 60 days of opening the checking account. The checking account must be opened with a minimum of $5 if opened in the branch. No minimum ongoing balance is required. Only one $300 SmartPlus checking incentive can be earned per member. You must not have had a Gesa checking account within the last 90 days to be eligible. Incentive available at Post Falls location only. Rates effective as of the last dividend declaration date. SmartPlus checking accounts earn 7.00% APY on the first qualified $5,000 in balances. Amounts over $5,000 earn 0.01% APY. In order to earn 7.00% APY on the first $5,000 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. Rates, terms, and fees are subject to change any time after account opening. Fees may reduce earnings. Limit of one SmartPlus checking account per member. Incentive available at Post Falls location only.

³ To be eligible for the $150 auto, boat, or RV loan incentive, you must open a new direct auto, boat or RV loan, subject to credit approval. Refinances are eligible for the $150 incentive if the loan is more than 90 days old and from another financial institution. There is no limit to the number of auto loan incentives you can earn. Incentive available at Post Falls location only.

⁴ To be eligible for the $50 personal loan or personal line of credit incentive, you must open a new personal loan or line of credit, subject to credit approval. Only one $50 personal loan or line of credit incentive can be earned per member. You must not have had a Gesa personal loan or personal line of credit account within the last 90 days to be eligible. Incentive available at Post Falls location only.

⁵ Offer valid on new Visa® Cash Rewards credit card accounts only. Account transfers such as lost, stolen, or Program changes are not considered new accounts and do not qualify for $100 bonus. For qualifying new accounts opened on or after 02/29/24, earn a $100 cash rewards bonus upon reaching $1,000 in net purchase transactions made with your Cash Rewards credit card account within 90 days of the account opening date. For qualifying new accounts, 0% introductory rate is valid on balance transfers for 6 months. Balance transfers must be completed within 60 days from the date the account is opened to obtain the introductory rate. After introductory period has concluded on balance transfers, the APR will return to the regular rate and monthly periodic rate as specified in the Card Agreement (as low as 18.49% – 28.99% for Cash Rewards). The APR is a variable rate that is based on the Prime Rate as published in the Wall Street Journal.