Gesa branches will be closed on Saturday, November 11th for Veterans Day. Learn more about our holiday hours.

Gesa Credit Union will be closed on February 19, 2024 for Presidents' Day. This includes all branches and our Member Contact Center. Regular hours will resume February 20, 2024.

Update Notice: We're improving our systems on the evening of November 4. Gesa members may experience overnight service disruptions. Thank you for your understanding.

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Debt Consolidation —

What if you could pay off your debt faster?

If you’re spending more time paying your debt than enjoying life, consider a debt consolidation loan. A debt consolidation loan or credit consolidation loan has the benefit of combining your payments into one low monthly payment instead of making individual payments to credit cards. The best part? Gesa Credit Union offers debt consolidation loans right here in Washington State!

What are the benefits of a debt consolidation loan?

*Not all loans qualify. Be sure to consult your tax professional for details.

Washington State debt consolidation | Gesa Credit Union

Gesa's variety of loan consolidation options

Fixed Home Equity
Home Equity Line of Credit
Refinancing your vehicle or loan
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Apply for a personal loan today

A Personal Loan is an unsecured signature loan and can be useful when you need a set amount of funds for a specific purpose. This offers flexibility, giving you the assurance that temporary cash flow problems won’t hinder your long‑term goals.

Debt Consolidation FAQs?

The application process for a debt consolidation loan is quick and easy. Head over to the application page to get started today.

Start your debt consolidation application today

There are numerous benefits to a debt consolidation loan, beginning with extra cash to simplify your life by having just one monthly payment with lower rates.

Contact your tax advisor to find out if tax benefits apply to you.

There are several ways you can pay your consolidation loan. You can:

  • Pay your loan with a Gesa account
  • Pay with a non-Gesa account

Click the link below to learn more about making loan payments and which option is best for you.

Make a loan payment

You can request loan payment coupons to be mailed to you. Head over the Loan Coupons page to fill out the form and request your coupon book.

Order a loan coupon book

In order to qualify for Skip-A-Payment:

  • The loan or credit card must have been open for at least 12 months at the time of the Skip-A-Payment application
  • There must be at least 11 months between your last skip and the date of your new Skip-A-Payment application
  • You must be in good standing with all Gesa accounts and loans. For credit cards, you must have an available balance greater than $0.00
  • There must be no return check fee balance greater than $25 or late fee balance greater than $25 on your loan or credit card
  • You must have full coverage insurance on your vehicle loan

Learn more about Skip Assist

Still have questions?

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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.

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Business Visa:
A low-rate card made for business owners.

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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!

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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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