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Student loans —

Focus on school, not how you’ll pay for it

Need help funding your education? We can help! You have a goal – don’t let money get in the way of achieving it.

Bridge the gap between federal aid and complete coverage

Our innovative Student Choice private student lending solution is designed to help you responsibly fill funding gaps that may remain after you’ve exhausted lower-cost sources of aid.

Before applying for a private student loan, make sure you have exhausted all sources of free and low-cost financial aid like scholarships, grants, and federal direct student loans.

Visit our Student Choice website for more information.

*Variable rate based on WSJ Prime Interest Rate index. Index may adjust quarterly based on the WSJ Prime Interest Rate (Jan, Apr, July, Oct) Maximum rate of 18.00%.

Variable rates as low as

1.49% - 7.50%


See our Student Choice website to learn more.

Our Student Choice Loan Program perks:

Empower yourself through education

At Gesa, we’re committed to helping you find the best funding for your undergraduate college education through our Student Choice Loan Program. With lower interest rates and no origination fees, a Gesa private student loan provides significant savings advantages over other alternative lenders and can help bridge the gap between federal aid and complete coverage.

For payment information on a current student loan, visit the Student Choice website, or call (800) 723- 2210.


Still have questions?

With the unique structure of our education line of credit, you can borrow up to the full cost of the remainder of your education. You will not need to reapply each year (assuming there are no significant changes to the borrower or co-borrower credit scores).

Each year, you will simply request additional funds (called a “draw”) for the amount you wish to have disbursed to your school.

It’s easy to make payments on your Gesa loan, even if you’re paying with funds from another financial institution.

To make a payment, click here.

Check out our Student Choice website for more FAQs or call us (800) 723- 2210.

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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