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Share Secured Loans —

To those who say, “I’m not good with money” we say, “yet.”

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.

  • Approvals are not based on your credit
  • Low rates regardless of your credit score
Details
Benefits
FAQ

Secure loans at low rates

  • Great loan rates that support you while you rebuild your credit
  • Rates are set at a low fixed amount above the current share rate or certificate rate
  • Borrow up to 100% of your account/certificate balance and pay the loan off at any time.
  • Approvals are not based on your credit score
*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 TypeAPR* (as low as)Max Term (months)
Share Secured Loan60
Loan Type APR* (as low as) Max Term (months)
Share Secured Loan Share rate plus 3.00% 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.

Apply Today

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
Learn more about Skip Assist
 

Still have questions?

Contact us
Routing Number: 325181248
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Gesa Credit Union
51 Gage Blvd. Richland, WA 99352

Federally insured by NCUA

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CO-OP Shared Branch

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Routing Number
325181248

Contact
51 Gage Blvd.
Richland, WA 99352

(888) 946-4372

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

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

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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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(888) 946-4372

Routing Number 325181248

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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:

  • Social Security Number (SSN)
  • Driver's license or state ID
  • Contact info
  • Opening deposit by debit card, credit card, or e-transfer
Get Started
Call (888) 946-4372 or apply at a branch

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Notes & Fees Glossary

 Disclaimer
*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.

* * * * *