Routing Number 325181248
We have a vacancy on our Supervisory Committee. Learn More about how you could help shape the future of Gesa Credit Union.
If you plan to call it home, Gesa is here to help. We know it’s a big step, and that the right knowledge will give you the confidence to take it. That’s why our advisors stay by your side as you navigate every part of the home loan process, from securing your down payment to finding the most competitive mortgage rate. Now could be the perfect time to buy.
5 Year Adjustable Rate Mortgage (ARM)
*Offer subject to change without notice. APR = Annual Percentage Rate. Rate is accurate as of 08/24/2023 and may change at any time. Rate is variable and subject to change after consummation. Sample loan: $320,000 loan amount at 80% loan to value, an estimated $6,943 in loan fees and charges. APR = 4.828%. After the conclusion of the initial 5-year period, the minimum rate is 3.00% and the maximum rate is 5% over the start rate. The rate is based on U.S. Treasury Five Year Index plus a margin of 2.75% based on credit score, and can change every 5 years. Payment example does not reflect taxes, insurance, or other charges you may incur.
30 year fixed-rate mortgages
All loans subject to approval. Assuming 20% down, purchase for a $296,000 loan with a 30 year fixed term at 7.908% APR, your monthly payment on a single-family home would be $2,121. Payment does not include taxes, insurance, or other charges. Actual monthly payment will be higher.
If you plan to call it home, Gesa is here to help. We know it’s a big step, and that the right knowledge will give you the confidence to take it. That’s why our advisors stay by your side as we navigate every part of the home loan process, from securing your first down payment to finding the most competitive mortgage rate and refinancing your loan as your needs evolve.
Start by reviewing your bank accounts and billing statements to accurately gauge how much money you’re making and spending each month. If you’re going to buy a house with someone else (like a spouse), review your finances together and then ask yourselves some questions:
Construction loans require special loan documentation and can get a bit tricky. Our loan officers are ready to help you navigate the world of short-term, single-close, and construction-permanent loans.
The amount of your monthly mortgage payment and how it fits in your budget is key to determining how much house you can afford.
Your down payment is cash you’ll pay for the home at closing. Down payment requirements can be as little as zero down, depending upon several key factors. The more money you put down, the lower your monthly payment and interest rate will be.
Down payment help is available. Special restrictions apply. If you need help determining your down payment, check out the resource links below.
All loans subject to approval. Assuming 20% down, purchase for a $296,000 loan with a 30 year fixed term at 6.375% APR, your monthly payment on a single-family home would be $1,847. Payment does not include taxes, insurance, or other charges. Actual monthly payment will be higher.
Equal Housing Opportunity
Co-op Shared
Branch
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We have the accounts, products, and services to help you and your small business succeed.
With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.
Up to 5.00% APY
On select checking accounts!
Routing Number 325181248
Applying should only take a few minutes. Please have these documents ready:
Use your online banking log-in to pre-fill your application with saved information.
You can easily change your debit card through our affinity form.
| Disclaimer | ||
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| 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 |