Checking and savings — Smart Savings The sensible option for members with existing savings accounts. Details Benefits FAQ Get startedGet Smart and cover all your savings needs Includes all your savings account necessities Enjoy a base rate of interest with no nonsenseNotes and Fees * APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 05/01/2022, the last dividend declaration date. Dividends on Smart Savings are calculated using the daily balance method and are paid monthly. Rate may change after the account is opened. The par value of a share in this account is $5.00. The amount necessary to open the account is also the amount necessary to earn the stated APY. Fees could reduce earnings on the account. Benefits with all Gesa savings accountsOnline and Mobile banking 24-hour access to your accounts to make transfers, deposit checks, and more. Learn moreNationwide ATMs Access to over 70,000 surcharge free ATMs throughout the CU24 credit union ATM network. Learn moreCard Controls Remote card controls and custom alerts to keep you in the loop about your money. Learn moreWhy Gesa? When you bank with Gesa, you keep money in your community and give back to local schools and organizations. $500 000+ given back to local communities Scholarship opportunities for local students Sponsorships and grants for local organizations and events Still have questions?Are my account funds insured? Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Learn more about NCUA Insurance CoverageWhat other services come with Gesa accounts? Gesa offers many other services to help members accomplish their financial goals, such as Cashier’s Checks, Safe Deposit Boxes, Savings Bond Redemption, and Notary Service. Learn more about Gesa Resources Still have questions? Contact usCompare to: SmartPlus Savings This smart savings account comes with no catch—5.00% APY on your first $500 is not a promotional rate—it’s an everyday benefit. Earn the market leading rate (5.00% APY*APY or Annual Percentage Yield is the real rate of return earned on your account balance after taking into account the effect of compounding interest. ) on your first $500 in balances You can use this account to establish Gesa membership (with a $5 deposit) Notes and Fees See Details Get Started Money Market Maximize interest on your cash APY*APY or Annual Percentage Yield is the real rate of return earned on your account balance after taking into account the effect of compounding interest. for $2,500 – $9,999.99 APY* on $10,000 – $24,999.99 APY* on $25,000 – $49,999.99 APY* on $50,000 – $99,999.99 APY* on $100,000 – $249,999.99 APY* on $250,000.00+ Notes and Fees See Details Get Started