Emergency Financial Relief

Emergency Financial Relief Programs

If you or your family is experiencing financial difficulties related to the coronavirus (COVID-19), Gesa has tools available to help.

As a member-owned credit union, we are built to support our members and the communities we serve. We are in a unique position to help, so we believe we have a responsibility to do just that. It’s simply who Gesa is.

Free Skip-A-Payment on Consumer Loans

If you are having trouble with your monthly loan payments to the credit union, the Gesa's Skip-A-Payment program can offer financial relief. Most members will be able to skip a loan payment for up to 90 days* and skip a credit card payment for up to 30 days* to free up cash to cover unexpected challenges.

Skip-A-Payment Loan Types Include:

  • Auto loans up to 90 days
  • Boat/RV loans up to 90 days
  • Personal loans up to 90 days
  • Credit Cards up to 30 days

*Some limitations may apply. Excludes FastCash, Mortgage Loans, and Lines of Credit. Please contact us at 888.946.4372 for full program details.

Apply for Skip-A-Payment

Low or Zero Interest Personal Loans During Challenging Times

For members facing financial hardship because of the coronavirus (COVID-19), Gesa is offering personal loans at low or zero interest to help during your time of need.

Personal loans can cover bills and other expenses associated with the coronavirus (COVID-19) pandemic. These include:

  • Interrupted employment and income
  • Childcare costs
  • Other unexpected impacts caused by the coronavirus (COVID-19)

Please contact us at 888.946.4372 for full program details.

Apply for an Emergency Relief Personal Loan

Home Loan Forbearance

If you are facing financial hardship due to the coronavirus (COVID-19) pandemic, Gesa is offering a forbearance, or pause, on Home Loan payments for eligible members.* You can pause your Home Loan payments for up to six months to help you through these challenging times. Eligible Home Loans include:

  • First Mortgages
  • Second Mortgages, such as Fixed Rate Home Equity Loans (excludes Home Equity Lines of Credit)

Applying for this important benefit is easy. Simply call Mortgage Servicing at 877.636.4010 and let them know you are facing a hardship due to the coronavirus (COVID-19) pandemic or click the button below to sign in to your account and apply online. Due to high call volumes, we strongly recommend you use the online option for a faster way to apply for this assistance. Once you apply, your payments will be paused immediately from the date of your request.

*Some restrictions apply. For full program details, call Mortgage Servicing at 877.636.4010. Utilizing a Home Loan forbearance will extend the term of your loan for the number of months that are paused. Interest will continue to accrue. With interest continuing to accrue, your loan balance will be higher at the end of the forbearance than when the forbearance began.

Apply for a Home Loan Forbearance

Student Loan Forbearance

If you are having trouble making your student loan payments because of the coronavirus (COVID-19) pandemic, Student Choice is offering a forbearance, or pause, on student loan payments for up to 90 days at no cost for eligible borrowers.*

Call Student Choice at 800.723.2210 to apply today. When you call, let them know you are facing financial hardship due to the pandemic to begin the application process. For more information about your student loan, click the button below.

*Some restrictions apply. For full program details, call Student Choice at 800.723.2210. Utilizing a Student Loan forbearance will extend the term of your loan for the number of months that are paused. Interest will continue to accrue. With interest continuing to accrue, your loan balance will be higher at the end of the forbearance than when the forbearance began.

More Information 

Resources for Commercial Members

Living and working in the same communities as our member businesses, we understand the challenges many of you are facing right now. From potentially skipping loan payments to low interest working capital loans, we will work with you and your business to find options that truly fit your needs.

Our team is in the process of proactively reaching out to all our business members. We understand that you may have immediate questions and we’re here to help. If your business is being impacted by the coronavirus (COVID-19) pandemic, please reach out to us to discuss your options.

For servicing and support, email us at This email address is being protected from spambots. You need JavaScript enabled to view it..

For Cash Management service and support, email us at This email address is being protected from spambots. You need JavaScript enabled to view it. or call us at 888.946.4372, option 7, option 1.

The SBA is offering disaster assistance to Washington small businesses impacted by the coronavirus (COVID-19) pandemic. For more information, please visit disasterloan.sba.gov/ela.

If your business is being impacted by the pandemic, you may be able to take advantage of the Paycheck Protection Program. This program offers loans backed by the SBA to cover costs such as payroll, benefits, utilities, rent, and more. For more information and to submit an inquiry, please click More Information below.

More Information

Here to Help

In these difficult times, we are here to help you with unexpected financial challenges due to the coronavirus (COVID-19) pandemic. We encourage you to contact a Gesa Credit Union representative at 888.946.4372 for more information about how we may be able to help. Even if you are new to the credit union, let us know what you need, and we will do our best to assist.

Our team is empowered to take action to help our members affected by the health crisis. If you have funds in a CD that you need immediate access to or have unexpectedly incurred an NSF or Courtesy Pay fee, let us know and we will work with you to provide a resolution.

We do our best every day to make sure we deliver excellent service to all our members. Much as our members are being impacted during this challenging time, so are our staff. We have contingency plans in place, but please know that if it takes us a little longer to process a loan request or answer the phone, it is because we are working hard to assist all our members who need a helping hand. We assure you that, although it may take a little longer to answer the phone, we are here to help you. We appreciate your patience and understanding during this time.

To learn what steps Gesa is taking to protect and assist our members, staff, and the community during the coronavirus (COVID-19) pandemic, please visit gesa.com/coronavirus-update.

Protect Yourself from Scams

In times of concern, it pays to be on the lookout for scams exploiting uncertainty. Please remember that we will never call and ask for your passwords or PIN numbers. If you receive a call asking for this information, do not provide and hang up. We’re here to help you so if you suspect you have been the victim of fraud, please contact us immediately at 888.946.4372. The Federal Trade Commission also has resources available on fraudulent activity being observed due to the coronavirus. For more information, please visit the FTC website.