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Spokane wildfire emergency assistance
If the recent Spokane wildfires have brought unexpected costs, you don’t have to face them alone. Eligible Gesa members may qualify for a short-term personal loan of up to $5,000 to help cover urgent expenses, including temporary housing, transportation, repairs, replacement items, and other essentials.
Applications aren’t available online. Call us or visit a branch, and a team member will walk through your options with you.
Emergency Loan Details
Borrow up to $5,000
Cover urgent expenses with support designed to help you move forward.
A lower rate
Rates as low as 1.99% APR* can help make repayment more manageable.
Time to repay
Repayment terms of up to 36 months* give you time to get back on your feet.
Let’s see how we can help
You may qualify if you:
- Have been a Gesa member for at least 30 days
- Are in good standing on all Gesa accounts
- Don’t have an open FastCash loan
- Don’t have a current delinquency with Gesa
- Haven’t had a previous Gesa charge-off
- Can provide a current paystub for each member applying for the loan.
- Have the ability to repay the loan
Call (888) 946-4372, ext. 3920 or find a branch.
All loans are subject to credit approval. Meeting these requirements doesn’t guarantee approval.
Talk with a team that’s here for you
Every situation is different. A team member can listen, answer your questions, and help you understand whether this loan may be right for you.
By Phone
Call us. We'll listen, answer questions, and help you get started.
Visit a Local Branch
Visit us. We’ll listen, answer questions, and help you get started.
Frequently asked questions
Eligible members may qualify for a personal loan of up to $5,000. Your approved amount will depend on your credit qualifications and ability to repay.
No. Due to the urgent and customized nature of disaster relief, please call us or visit a Gesa branch. A team member will directly guide you through the process.
Your first payment will be due in 31 to 51 days from the date of loan disbursement, providing an initial period of relief.
All member applicants must provide a current paystub. A team member will let you know if any additional financial documents are needed.
Yes, the application process requires a standard hard credit inquiry, which may temporarily affect your credit score.
Your interest rate, overall repayment term, and final approved amount will be based strictly on your individual credit qualifications and verified ability to repay.
Disclosures:
*APR = Annual Percentage Rate. Effective 08/10/2026, for a limited time only. Rates range from 1.99% APR to 9.99% APR. The advertised 1.99% APR is available to applicants with a qualifying credit score of 740 or higher and is subject to credit approval. Maximum loan amounts and maximum repayment terms vary by credit qualifications: applicants with qualifying credit scores of 740 or higher may qualify for up to $5,000 for a maximum term of 36 months; scores of 720–739 may qualify for up to $4,000 for a maximum term of 36 months; scores of 700–719 may qualify for up to $3,000 for a maximum term of 36 months; scores of 680–699 may qualify for up to $2,500 for a maximum term of 24 months; and scores of 679 or below may qualify for up to $2,500 for a maximum term of 24 months. Actual APR, approved loan amount, and repayment term are determined by credit qualifications, verified ability to repay, and other applicable underwriting criteria. The first payment is due 31 to 51 days after loan disbursement. Limited to one Spokane Wildfire Emergency Assistance loan per eligible member. Applicants must have been Gesa members for at least 30 days, must be in good standing on all Gesa accounts, must have no open FastCash loan, no current delinquency with Gesa, and no prior Gesa charge-off, and must provide a current paystub for every borrower. Applications are not available online and must be completed by phone or at a Gesa branch. Minimum payment is $50. Contact Gesa for full program details. Submitting an application will result in a hard inquiry on each applicant’s credit report, which may affect the applicant’s credit score. Meeting the stated eligibility requirements does not guarantee approval.
Payment Example:
If you borrowed $5,000 at a 1.99% APR and paid it back over 36 months, your monthly payment would be $.
If you borrowed $5,000 at a 1.99% APR and paid it back over 36 months, your monthly payment would be $.
Facing an unexpected financial emergency?
We offer a range of relief options to ease short-term stress and support you.
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With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.
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Getting started is easy!
Applying should only take a few minutes. Please have these documents ready:
- Social Security Number (SSN)
- Color copy of driver's license, state ID, or US Passport
- Contact info
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Opening deposit by debit card or e-transfer*
*Credit cards are not accepted.
Call (888) 946-4372 or apply at a branch
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Notes & Fees Glossary
| Disclaimer | ||
|---|---|---|
| SmartPlus Checking | [APY] Minimum opening balance of $25 required if the account is opened online. In order to earn APY 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. Dividends on a SmartPlus Checking account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. 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. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. No monthly fees and no minimum balance required to open or maintain account unless opened online. Fees could reduce earnings on the account. Limit of one SmartPlus Checking account per member. APY is accurate as of , the last dividend declaration date. | A7KD4W9LQXZT |
| Smart Checking | *There is a minimum opening balance requirement of $25.00 if the account is opened online. Regular users of Gesa’s electronic services may want to consider SmartPlus Checking for additional benefits. [Courtesy Pay] | M3VY82CNRLKP |
| Student Checking | [APY] Dividends on Student Checking Accounts are calculated using the daily balance method and will be credited to the member’s account every month. Rate may change after the account is opened. If you close your account before dividends are paid, you will not receive the accrued dividends. The minimum balance to open an account is $5.00, the par value of a share. Courtesy Pay is not offered on Student Checking Accounts. Only electronic transactions such as debit card or ACH transactions are permitted. Fees could reduce earnings on the accounts. | JXZ7V5MWLQ92 |
| Smartplus Savings | [APY] In order to earn a high dividend rate, you must meet the following requirements during the qualifying monthly period: a) provide and maintain a valid email address; and b) be enrolled to receive e-statements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY would apply to the entire balance. Dividends on an SmartPlus Savings Account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. 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. Limited to one SmartPlus Savings account per member. | P9T6QF2XJBLC |
| Smart Savings | [APY] Dividends on Smart Savings are calculated using the daily balance method and are paid monthly. Rate may change after the account is opened. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings on the account. | Y4MKZ3WVTPQ8 |
| High-Yield Savings | [APY] Dividends on the High Yield Savings account are calculated using the daily balance method and are paid monthly. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings. | NDLXQ98R5VTE |
| Money Market | [APY] Dividends for the Money Market Account are calculated using the daily balance method which applies a daily periodic rate to the balance in the account each day. You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield. The minimum balance required to open this account is $2,500.00. There is a minimum average daily balance of $2,500.00 required to avoid a service fee for the calendar month. If the minimum average daily balance requirement is not met, you will be charged a service fee as stated in the Consumer Fee Schedule. New rates are set on the first of each month; rate may change after the account is opened. Fees could reduce earnings on the account. | GQ37ZVKY1WLM |
| Fixed Certificate | [APY] A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to open the certificate is stated in the chart. Early withdrawal penalties apply (a penalty may be imposed for withdrawals before maturity): If your account has an original maturity (term) of less than 12-months: The penalty will equal 90 days interest on the amount withdrawn subject to penalty. If your account has an original maturity (term) of 12-months or more – up to, but less than 36-months: The penalty will equal 180 days interest on the amount withdrawn subject to penalty. If your account has an original maturity of 36-months or more – up to, but less than 48-months: The penalty will equal 365 days interest on the amount withdrawn subject to penalty. If your account has an original maturity of 48-months or greater: The penalty will equal 540 days interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. For any account which earns an interest rate that may vary during the term such as a bump certificate, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal. You may make withdrawals of principal from your account before maturity. In making such withdrawals, your balance may not fall below the minimum or we will close your account. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest only on the crediting dates without penalty. A $500 minimum deposit is required for consumer, IRA, and business certificates. Early withdrawal penalties may apply and may reduce earnings. Certificate rate is for a limited time only and could end at any time. Stated rate as of the first day of the month. | H85PLKJXZ2QM |
| Bump Certificate | [APY] A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to open the certificate is stated in the chart. The Certificate owner must contact Gesa Credit Union to request the one-time rate increase on Bump Certificate accounts. The rate on the Bump Certificate will be changed on the following business day of the date Gesa Credit Union receives the request. The bump option can only be exercised once during the term of the Certificate and does not increase the term of the certificate. The new interest will not be applied retroactively. The new interest rate will be the interest rate we are then offering on regular certificates (non- bump rate certificates) that have the same term and minimum balance. Bump Certificates are only available for consumer and IRA Certificates. Early withdrawal penalties will apply. Minimum deposit balance must be maintained to earn APY and fees may reduce earnings on the account. Special offer for a limited time only. | RXNQ72MLYV9C |