Gesa branches will be closed on Saturday, November 11th for Veterans Day. Learn more about our holiday hours.
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
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 , the last dividend declaration date.
Minimum Payment amount of $50.
Payment Example – Share-Secured Loan: fixed rate; terms to 60 months. $ a month based per $1,000 on a 5 year loan at APR.
| Loan Type | APR* (as low as) | Max Term (months) |
|---|---|---|
| Share Secured Loan | Share rate plus | 36 |
| Share Secured Loan | Share rate plus | 37 - 60 |
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.
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.
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?
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Federally insured by NCUA – Equal Housing Opportunity Lender – Co-op Shared Branch
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© Gesa Credit Union. All Rights Reserved
Routing Number: 325181248
51 Gage Blvd. Richland, WA 99352
Federally insured by NCUA – Equal Housing Opportunity Lender – Co-op Shared Branch
NCUA
© Gesa Credit Union. All Rights Reserved
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With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.
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Up to 5.00% APY
On select checking accounts!
Routing Number 325181248
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:
|