Personal Loans —

Share Secured Loans

With the convenience of borrowing at a low rate, Gesa’s Share or Certificate Secured loans allow you to build or re-build your credit.

Secure loans at low rates

*APR = Annual Percentage Rate. Rates, terms, and fees are subject to change. APR is accurate as of 11/01/2022, the last dividend declaration date. Minimum Payment amount of $50. Payment Example – Share-Secured Loan: fixed rate; terms to 60 months. $18.62 a month based per $1,000 on a 5 year loan at 3.00% APR.
Loan Type APR* (as low as) Max Term (months)
Share Secured Loan Share rate plus 2.00% 36
Share Secured Loan Share rate plus 3.00% 37 - 60
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Apply for a personal loan today

The application process is quick and easy. Apply today and get in contact with a loan advisor to see how you can start rebuilding your credit.

Still have questions?

Rates are set at a low fixed amount above the current share rate or your certificate rate.

You can borrow up to 100% of your account/certificate balance and pay the loan off at any time.

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

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

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

Make a 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

Still have questions?

People helping people.

Gesa credit union is committed to making a positive impact in the communities we serve.

Affinity debit cards give back to your community when you swipe.

We give a hoot about your business.

Gesa has 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.

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 at POS

Up to 5.00% APY
On select checking accounts!

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