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SmartPlus Checking

* 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.

*To earn the higher rate, you must:
– Enroll in eStatements
– Make a monthly direct deposit of over $200
– Complete 15 debit card transactions
– Provide and maintain a valid email address
– 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.

Smart Checking

* No minimum account opening deposit if opened in person. If opened online, $25.

Smart Savings

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 10/01/2022 or the first day of the month – the last dividend declaration date.

Dividends on Primary Savings are calculated using the daily balance method and are paid monthly. Rate may change after the account is opened. The par value of a share in this account is $5.00. The amount necessary to open the account is also the amount necessary to earn the stated APY. Fees could reduce earnings on the account.

Smartplus Savings

* 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.

*To earn the higher rate, you must:
– Enroll to receive eStatements
– For any month where the account does not meet the qualification requirements, the account will earn a lower rate.
– Dividends on an Addvantage 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 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. Limit of one Addvantage Savings account per member.

Money Market

* 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.

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. 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.

Fixed Certificate

*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 11/01/2022, the last dividend declaration date. 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.

Bump Certificate

*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 01/01/2023, the last dividend declaration date. 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.

High-Yield Savings

*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY accurate as of 03/04/23, the last dividend declaration date. 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.*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY accurate as of 03/04/23, the last dividend declaration date. 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.

Student Checking

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 05/01/2023 or the first day of the month – the last dividend declaration date.

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.