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Gesa Credit Union will be closed on July 4 for Independence Day. This includes all branches and our Member Contact Center. Regular hours will resume July 5. Learn more about our holiday hours
Fixed Home Equity Rates

as low as

7.000% APR*APR or Annual Percentage Rate. Rates, terms, and fees are subject to change.

Notes and fees

Home Equity Line of Credit Rates

as low as

8.50% APR*APR or Annual Percentage Rate. Rates, terms, and fees are subject to change.

Notes and fees

Mortgage Rates

as low as

7.00% APR*

Notes and fees

Home Loans
Mortgage Loans & Home Equity
Home Fixed Equity:

– 14% APR*

Rates vary based on loan terms.
Home Equity Line of Credit:

– 18% APR*

Rates vary based on loan terms.

Mortgage Loans & Home Equity

Now could be the perfect time to apply.

Affinity Cards

Each swipe of a debit card gives back

Gesa’s Affinity debit cards empower you and all our members to earn funds for local schools or community organizations just by swiping your debit card – and it costs you nothing!

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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