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Gesa Careers

Banks vs. Credit Unions

What's the difference?

Functionally they aren’t all that different. They both offer similar services, however they deviate on the way they are managed. Credit Unions are not for profit, as a result they often offer better rates than banks.

Banks have share-holders, so they need to turn a profit with higher rates or hidden fees. All the money they make goes to their investors while credit unions can return their abundance back into their community.

How do our products compare?

Avg. Auto Loan
60 Months

Gesa Credit Union

6.40%

Avg. Credit Union*

7.21%

Avg. Bank*
Avg. Auto Loan
60 Months

Gesa Credit Union

6.40%

Avg. Credit Union*

7.21%

Avg. Bank*
Avg. Auto Loan
60 Months

Gesa Credit Union

6.40%

Avg. Credit Union*

7.21%

Avg. Bank*

Credit Union Impact

How do we give back?

When you bank with a credit union, you passively give back to your community. This works by taking portions of our earned interest, transaction fees, and investments and converting them into grants, scholarships, and relief funds. Every time you swipe or pay a bill that contributes to what we return to your local community.

$ 0 million
Given back to our communities in 2022
Gesa Careers

Being a member means you...

Some sorta fun catchy line.

People helping people.

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

Affinity Partner Cards

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

We're in the business of growing yours.

We have the accounts, products, and services to help you and your small business succeed.

Business owner

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 using card

Up to 5.00% APY
On select checking accounts!

Learn More

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:

Call (888) 946-4372 or apply at a branch

Already a member?

Use your online banking log-in to pre-fill your application with saved information.

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.

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