Checking and savings — IRA Accounts and Certificates Start saving today for a retirement full of possibilities! Call UsVisit a Gesa Branch Gesa's IRA savings and certificate accounts are insured by the NCUA Insured up to $250,000 and separately from other savings accountsDetails At Gesa, we offer a choice between IRA Savings Accounts and IRA Certificate Accounts. Gesa's IRA (Individual Retirement Account) savings accounts and certificate accounts are insured by the NCUA Insured up to $250000 and separately from other savings accounts Provides peace of mind that your money will be there when you need it Interest credited to your account every month and at maturity View the IRA Conversion Factsheet. Call us at (888) – 946-4372 or visit a Gesa Branch to get started today. Notes and Fees * APY = Annual Percentage Yield. Rates, terms, and fees are subject to change after account opening. Stated rate as of the first day of the month, 9/01/2021, the last dividend declaration date. There is no minimum balance requirement to earn stated APY on IRA Savings. Fees may reduce earnings on the account. IRA Savings Account: Rate may change after the account is opened. Dividends on IRA Savings are calculated using the daily balance method and will be credited to a member’s account quarterly. There is no minimum balance requirement to earn stated APY on IRA Savings. Fees may reduce earnings on the account. IRA Certificates: Early withdrawal penalties will apply and may reduce earnings. Minimum deposit balance must be maintained to earn APY and fees may reduce earnings on the account. Certificate rates are for a limited time only. Stated rates are as of the first of the month are subject to change. IRA Savings and IRA Certificate Rates Term (months) APY* (min. balance $500.00) APY* (min. balance $50,000.00) APY* (min. balance $100,000.00) 12 0.40% 0.40% 0.40% 18 0.40% 0.45% 0.50% 24 0.45% 0.50% 0.55% 30 0.50% 0.55% 0.60% 36 0.55% 0.60% 0.65% 48 0.60% 0.65% 0.70% 60 0.70% 0.75% 0.80% 84 0.80% 0.85% 0.90% Account Type Term (months) APY* Min. Deposit IRA Savings — 0.25% $100.00