Routing Number 325181248
Member Advisory Group —
About the MAG
Frequently Asked Questions
What is Gesa Credit Unions Member Advisory Group?
Gesa Credit Union’s Member Advisory Group (MAG) is a panel of members that Gesa relies on for feedback regarding Gesa products, services, and experiences. Participants of Gesa’s MAG are invited to participate in online surveys from time to time and may even receive an invite to join a focus group or a one-on-one interview. This input will help drive the ongoing evolution of Gesa Credit Union.
The sole purpose of MAG is to help Gesa Credit Union better understand members. Information provided will be used for research purposes only.
Who is on the panel?
Only current Gesa Credit Union members are eligible to join. We have formulated our invitations to be a random sampling of our members to ensure a diverse group. The MAG Panel is available only to individuals over the age of 18 years who are current Credit Union members in good standing (no delinquent or active collection accounts, and not on no-trespass status). Credit Union employees, board members, and supervisory committee members are not eligible to participate in the MAG Panel.
Can I refer my friends and family to join MAG?
No, Gesa Credit Union members must receive an e-mail invitation directly to join. Participants must be recruited at random to maintain the controlled group of members joining our panel.
What platform is used to deliver surveys?
Gesa will be utilizing SurveyMonkey for MAG research. Members may receive a survey request from Medallia that is specific to a recent experience with Gesa, but SurveyMonkey surveys will be used for MAG research specifically and are incentivized.
SurveyMonkey surveys will be delivered from one of the following e-mail addresses: [email protected]
[email protected]
Who do I contact if I have questions or comments about a survey?
Our team has a Help Desk and will be pleased to address any questions, suggestions, or comments you may have. You can contact the Help Desk by emailing [email protected]
How do I unsubscribe from the group?
We appreciate participation in the group and encourage all members to remain part of our community. However, to unsubscribe from MAG at any time, you may do so by opening any survey invitation and clicking unsubscribe or e-mail your request to us at [email protected]
How do I participate in research projects?
After registration is complete, you will start to receive email invitations to participate and weigh in on various subjects. Clicking on the email will lead you directly to the online survey (or other means to participate in research activities). Just follow the prompts from there!
Why do you ask personal information on surveys?
Gesa will ask questions about your demographics, title/industry, and technology usage to help us develop general trends about our panel. This information is used to conduct statistical analyses so that we can ensure that our sample of users is representative of the general Gesa audience. We also use this information to send you surveys that correspond to your interests. Your name and e-mail address will be shared with our third-party vendor, Tremendous.com, to send your digital gift card rewards.
Do I have to participate every time I am invited to take a survey?
We hope you’ll complete a survey whenever you receive an invitation, because that’s the best way to ensure that your opinions are heard. We realize that’s not always possible, however, so there is no requirement that you complete every survey.
How long do surveys take to complete?
We try to keep the surveys to a maximum of 10-15 minutes. This time may vary depending on the speed of your Internet connection or browser.
What computer technology do I need to participate in surveys?
For most of our surveys, all you need is an Internet connection.
Do you offer incentives to participate in surveys?
We will always offer rewards in the form of gift cards through our partners at Tremendous.com. After submitting a survey, you will receive your gift. The gift cards range from $1.00 to $150.00 depending on the level of engagement and time required for the specific research request. Gift card rewards will always be sent from this e-mail address: [email protected]. Incentives are only paid to MAG participants using the SurveyMonkey platform. Incentives can only be redeemed within one year.
What do I do if I didn’t receive my gift card?
Please e-mail [email protected] for assistance.
Terms and Conditions
General
These terms and conditions apply to the Gesa Credit Union (“Credit Union”) Member Advisory Group Panel (“MAG Panel”). By completing the registration and first profile survey, or otherwise participating in the MAG Panel, you agree to be bound by these terms and conditions and the Credit Union Privacy Policy (collectively, the “MAG Panel Terms and Conditions”).
Existing Credit Union members who complete the registration and first profile survey are defined as “Panelist(s).” Panelists in the MAG Panel acknowledge and agree that the Credit Union reserves the right to modify, extend or cancel the MAG Panel at any time. The MAG Panel is void where prohibited by law.
Eligibility and MAG Panel Entry
The MAG Panel is available only to individuals over the age of 18 years who are current Credit Union members in good standing (no delinquent or active collection accounts, and not on no-trespass status). Credit Union employees, board members, and supervisory committee members are not eligible to participate in the MAG Panel.
The MAG Panel can end at any time in the Credit Union’s sole discretion. MAG Panel Panelists participate in surveys or other market research MAG Panels for the opportunity to receive and redeem rewards and incentives (“MAG Panel Incentives”). MAG Panelists may stop participating in the MAG Panel at any time. Non-MAG Panel research activities offered to Credit Union members are not eligible for MAG Panel Incentives. Only MAG Panel research activities are eligible for MAG Panel incentives.
MAG Panel Protects Data Privacy
Your participation in the MAG Panel is entirely voluntary. Your Personal Data (first name, last name and Email address) will always be collected by lawful means, for specific purposes.
MAG panel shares only your name (first and last) and your email address with third-party incentives provider, Tremendous. Privacy policy | Tremendous.com
The Credit Union is committed to protecting the privacy of Personal Data. The Credit Union strives to conform its privacy practices to applicable laws, codes, and regulations. The Credit Union’s privacy policy is included here: Gesa Privacy Policy
As part of a MAG Panel research activity, you may be asked to submit, upload or transmit content or material, including photos, videos and/or any other similar or related content or material which may include your Personal Data, for example, when participating in surveys or other market research MAG Panels.
Certain information may be collected automatically. Such information includes, but is not limited to, information about your device and device capabilities including, but not limited to, the device operating system, the other applications on your device, cookie information, IP address, device network provider, device type, time zone, network status, browser type, browser identifier, unique device identification number (such as Identifiers for analytics or advertising), network provider user ID (a number uniquely allocated to you by your network provider), Media Access Control (MAC) address, mobile advertising identifier, location and other information that alone or in combination may be used to uniquely identify your device. Specific technology that may be used is specified below:
Cookies:A cookie is a small text file containing information about the user that is placed by a website on a user’s computer or device. MAG Panel may place cookies on your computer or device for a survey and other MAG related research activities for Panel control and fraud prevention purposes.
MAG Panel may also use tracking cookies, tags, and scripts to track certain information about you based on your activity on our site or third-party sites. MAG Panel may use this information to determine whether you have seen, clicked on, or otherwise interacted with a survey activity. MAG Panel may also select you for a survey or other market research MAG Panel where cookies will be used to expose you to specific advertising or promotions before the survey or other market research MAG Panel activity for the evaluation of such specific advertising or promotions.
MAG Panel may also place cookies on your computer or device and use those cookies, tags, and scripts to track certain information about your activity on certain websites. MAG Panel may use this information for various market research and marketing activities.
If you wish, you can choose not to accept cookies by adjusting your web browser’s privacy settings to delete cookies upon exiting websites or when you close your browser. You may also configure your browser to block cookies. Not accepting cookies, deleting cookies or blocking cookies may exclude you from participating in surveys or other market research MAG Panels or negatively impact your user experience.
Web Beacons:
A web beacon (also known as a tag, clear gif or 1×1 pixel) consists of a small string of code that is embedded within a web page or email. They may or may not be a visible graphic image associated with the web beacon, and often the image is designed to blend into the background of a web page.
MAG Panel uses web beacons in our email messages to help determine whether our messages are opened and to verify any clicks through to links within the email or in advertising or website research to determine if a Panelist has viewed ads or other online content that MAG Panel is measuring. MAG Panel and authorized third-parties may link Personal Data to web beacons for operational and research purposes.
Geo-Location Data:
MAG Panel may collect geo-location information from your computer or device. MAG Panel may use your geo-location data for fraud prevention or for market research purposes, including but not limited to advertising research or other tracking-based market research activities.
Digital Fingerprinting:
MAG Panel may use digital fingerprinting technology to gather certain data about you and/or your computer or device. This data may include Personal Data such as an IP address, as well as non-Personal Data such as a computer operating system or browser version number. This technology creates a unique computer identifier that may be used for fraud prevention or to identify and track your participation in a survey or other market research MAG Panel and limit participation in accordance with the requirements of a specific survey or other market research MAG Panel.
Log Files:
MAG Panel automatically gathers and stores certain information during research activities stemming from MAG Panel participation. Our servers may automatically record information that your browser sends whenever you visit a website. These server logs may include information such as your web request, Internet Protocol (IP) address, browser type, browser language, the date and time of your request, and one or more cookies that may uniquely identify your browser. This information is periodically deleted as part of normal maintenance routines.
Reward Redemption
Panelist may receive incentives valued from $1.00 USD to $150.00 USD for each directly administered MAG Panel research activity, such as focus groups, surveys, usability studies, and one-on-one interviews. Other Credit Union research activities not initiated directly from and by the MAG Panel are not eligible for incentives. Incentive amounts are determined, in the Credit Union’s sole discretion, by the complexity of each research activity by the MAG Panel and are accepted by the Panelists by completing the full requirements of the research activity. The payout of the incentive is based on the successful completion of the research activity as outlined by each research activity’s required completion criteria. Incentives are paid only via digital gift cards. Incentives will not be paid in cash or any other medium other than digital gift cards offered from the survey or research activity and available from the Tremendous incentives platform.
Within three (3) business days after research activity requirements are confirmed by the Credit Union, the incentive will be digitally sent via email to the Panelist’s email address on file with the MAG Panel and the Credit Union via our third-party incentives provider, Tremendous, www.tremendous.com. Panelists have twelve (12) months from the date an incentive is earned to redeem the incentive. Two (2) attempts will be made to contact a Panelist, once in month six (6) and once in month (11) to inform Panelists they have unredeemed awards and that they will expire at the end of month 12. The Credit Union does not promise or warrant any specific number of Panelist opportunities, nor the ability to earn any specific value of incentives, all of which is subject to the Credit Union’s sole discretion.
The Credit Union reserves the right not to award an incentive or to disqualify Panelists in its reasonable discretion, including but not limited to for the following reasons: (1) ineligibility of any MAG Panel Panelist, (2) fraudulent activity, or (3) if the Credit Union, in its sole discretion, finds that any of the MAG Panels terms and conditions have been violated. Incentives are non-transferable, non-assignable, and cannot be redeemed or exchanged for cash, credit, or other merchandise outside of the MAG Panel. Incentives are subject to required Internal Revenue Service (IRS) reporting. Any applicable taxes resulting from the MAG Panel are the responsibility of the recipient of the incentive.
Additional Conditions and Limitations
Credit Union members who terminate their membership with the Credit Union, or whose membership is terminated by the Credit Union, will no longer be eligible to serve as a MAG Panelist and will be terminated from the MAG Panel.
By participating in the MAG Panel, to the extent allowed by law, you agree to fully release and hold harmless the Credit Union from and against any liabilities, claims and/or damages arising from your participation in the MAG Panel, including your use of the Tremendous platform to receive and redeem incentives. You further agree that the MAG Panel and incentives are provided “as is, where is,” and you assume all risks of participating in the MAG Panel and using the Tremendous website. THERE ARE NO EXPRESS OR IMPLIED REPRESENTATIONS OR WARRANTIES OF ANY KIND, AND THE CREDIT UNION HEREBY DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, THIRD-PARTIES RIGHTS, AND NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR PROPRIETARY RIGHTS. IN NO EVENT WILL EITHER PARTY BE LIABLE TO THE OTHER FOR ANY CONSEQUENTIAL, INCIDENTAL, OR SPECIAL DAMAGES, INCLUDING ANY LOST PROFITS OR LOST SAVINGS, EVEN IF ONE PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR FOR ANY CLAIM BY ANY THIRD-PARTY.
How the MAG Panel Works
To start earning incentives, the Panelist simply signs up for the MAG Panel by registering their first and last name, confirming the same primary email address, address and phone number registered at the Credit Union, and completing the first profile survey. The first profile survey will initiate the first incentive paid at a value of $5.00 USD. By registering and providing this information, the Panelist is agreeing to the MAG Panel Terms and Conditions. Panelists earns incentives each time they participate and complete the full requirements of each MAG Panel research activity.
Incentives cannot be combined with any other offers.
Questions, concerns and feedback should be directed to the MAG Panel by emailing: [email protected]
FAQs
Terms and Conditions
FAQs
Frequently Asked Questions
What is Gesa Credit Unions Member Advisory Group?
Gesa Credit Union’s Member Advisory Group (MAG) is a special group of members that Gesa relies on for feedback regarding Gesa products, services, and experiences. Gesa values your time and opinions. Participants of Gesa’s MAG are often invited to participate in online surveys from time to time and may even receive an invite to join a focus group or a one-on-one interview. This input will help drive the ongoing evolution of the credit union.
The sole purpose of MAG is to help Gesa Credit Union better understand members. Information provided will be used for research purposes only.
Who is in the panel?
Only current Gesa Credit Union members are eligible to join. We have formulated our invitations to be a random sampling of our members to ensure a diverse group.
What platform do you use to deliver surveys?
We will be utilizing SurveyMonkey for our MAG research. You may receive a survey request from Medallia that is specific to a recent experience with Gesa Credit Union, but SurveyMonkey surveys will be used for MAG research specifically and are incentivized.
SurveyMonkey surveys will be delivered from one of the following e-mail addresses:
[email protected]
[email protected]
Who do I contact if I have questions or comments about a survey?
Our team has a Help Desk and will be pleased to address any questions, suggestions, or comments you may have. You can contact the Help Desk by emailing [email protected]
How do I unsubscribe from the group?
We appreciate your participation in the group and encourage you to remain part of our community. However, if you would like to unsubscribe from MAG at any time, you may do so by either of the following: -Replying to any survey invitation and clicking unsubscribe -email your request to [email protected]
How do I participate in research projects?
After you register, you will start to receive email invitations to participate and weigh in on various subjects. Clicking on the email will lead you directly to the online survey (or other leads to participate in research activities). Just follow the prompts from there!
Why do you ask personal information on surveys?
We ask questions about your demographics, title/industry, and technology usage to help us develop general trends about our panel. This information is used to conduct statistical analyses so that we can ensure that our sample of users is representative of the general Gesa audience. We also use this information to send you surveys that correspond to your interests. Rest assured that this information will never be shared with any external or third party.
Do I have to participate every time I am invited to take a survey?
We hope you’ll complete a survey whenever you receive an invitation, because that’s the best way to ensure that your opinions are heard. We realize that’s not always possible, however, so there is no requirement that you complete every survey.
How long do surveys take to complete?
We try to keep the surveys to a maximum of 10-15 minutes. This time may vary depending on the speed of your Internet connection or browser.
What computer technology do I need to participate in surveys?
For most of our surveys, all you need is an Internet connection so you can log on to take our surveys.
Do you offer incentives to participate in surveys?
We will always offer rewards in the form of gift cards through our partners at Tremendous.com. After submitting a survey, you will receive your gift. The gift cards range from $1.00 to $150.00 depending on the level of engagement and time required for the specific research request. Gift card rewards will always be sent from this e-mail address: [email protected]. Incentives are only paid to MAG participants using the SurveyMonkey platform. Incentives can only be redeemed within one year. Gesa Credit Union and Tremendous.com will provide reminders to redeem during this time period.
Terms and Conditions
General
These terms and conditions apply to the Gesa Credit Union (“Credit Union”) Member Advisory Group Panel (“MAG Panel”). By completing the registration and first profile survey, or otherwise participating in the MAG Panel, you agree to be bound by these terms and conditions and the Credit Union Privacy Policy (collectively, the “MAG Panel Terms and Conditions”).
Existing Credit Union members who complete the registration and first profile survey are defined as “Panelist(s).” Panelists in the MAG Panel acknowledge and agree that the Credit Union reserves the right to modify, extend or cancel the MAG Panel at any time. The MAG Panel is void where prohibited by law.
Eligibility and MAG Panel Entry
The MAG Panel is available only to individuals over the age of 18 years who are current Credit Union members in good standing (no delinquent or active collection accounts, and not on no-trespass status). Credit Union employees, board members, and supervisory committee members are not eligible to participate in the MAG Panel.
The MAG Panel can end at any time in the Credit Union’s sole discretion. MAG Panel Panelists participate in surveys or other market research MAG Panels for the opportunity to receive and redeem rewards and incentives (“MAG Panel Incentives”). MAG Panelists may stop participating in the MAG Panel at any time. Non-MAG Panel research activities offered to Credit Union members are not eligible for MAG Panel Incentives. Only MAG Panel research activities are eligible for MAG Panel incentives.
MAG Panel Protects Data Privacy
Your participation in the MAG Panel is entirely voluntary. Your Personal Data (first name, last name and Email address) will always be collected by lawful means, for specific purposes.
MAG panel shares only your name (first and last) and your email address with third-party incentives provider, Tremendous. Privacy policy | Tremendous.com
The Credit Union is committed to protecting the privacy of Personal Data. The Credit Union strives to conform its privacy practices to applicable laws, codes, and regulations. The Credit Union’s privacy policy is included here: Gesa Privacy Policy
As part of a MAG Panel research activity, you may be asked to submit, upload or transmit content or material, including photos, videos and/or any other similar or related content or material which may include your Personal Data, for example, when participating in surveys or other market research MAG Panels.
Certain information may be collected automatically. Such information includes, but is not limited to, information about your device and device capabilities including, but not limited to, the device operating system, the other applications on your device, cookie information, IP address, device network provider, device type, time zone, network status, browser type, browser identifier, unique device identification number (such as Identifiers for analytics or advertising), network provider user ID (a number uniquely allocated to you by your network provider), Media Access Control (MAC) address, mobile advertising identifier, location and other information that alone or in combination may be used to uniquely identify your device. Specific technology that may be used is specified below:
Cookies:A cookie is a small text file containing information about the user that is placed by a website on a user’s computer or device. MAG Panel may place cookies on your computer or device for a survey and other MAG related research activities for Panel control and fraud prevention purposes.
MAG Panel may also use tracking cookies, tags, and scripts to track certain information about you based on your activity on our site or third-party sites. MAG Panel may use this information to determine whether you have seen, clicked on, or otherwise interacted with a survey activity. MAG Panel may also select you for a survey or other market research MAG Panel where cookies will be used to expose you to specific advertising or promotions before the survey or other market research MAG Panel activity for the evaluation of such specific advertising or promotions.
MAG Panel may also place cookies on your computer or device and use those cookies, tags, and scripts to track certain information about your activity on certain websites. MAG Panel may use this information for various market research and marketing activities.
If you wish, you can choose not to accept cookies by adjusting your web browser’s privacy settings to delete cookies upon exiting websites or when you close your browser. You may also configure your browser to block cookies. Not accepting cookies, deleting cookies or blocking cookies may exclude you from participating in surveys or other market research MAG Panels or negatively impact your user experience.
Web Beacons:
A web beacon (also known as a tag, clear gif or 1×1 pixel) consists of a small string of code that is embedded within a web page or email. They may or may not be a visible graphic image associated with the web beacon, and often the image is designed to blend into the background of a web page.
MAG Panel uses web beacons in our email messages to help determine whether our messages are opened and to verify any clicks through to links within the email or in advertising or website research to determine if a Panelist has viewed ads or other online content that MAG Panel is measuring. MAG Panel and authorized third-parties may link Personal Data to web beacons for operational and research purposes.
Geo-Location Data:
MAG Panel may collect geo-location information from your computer or device. MAG Panel may use your geo-location data for fraud prevention or for market research purposes, including but not limited to advertising research or other tracking-based market research activities.
Digital Fingerprinting:
MAG Panel may use digital fingerprinting technology to gather certain data about you and/or your computer or device. This data may include Personal Data such as an IP address, as well as non-Personal Data such as a computer operating system or browser version number. This technology creates a unique computer identifier that may be used for fraud prevention or to identify and track your participation in a survey or other market research MAG Panel and limit participation in accordance with the requirements of a specific survey or other market research MAG Panel.
Log Files:
MAG Panel automatically gathers and stores certain information during research activities stemming from MAG Panel participation. Our servers may automatically record information that your browser sends whenever you visit a website. These server logs may include information such as your web request, Internet Protocol (IP) address, browser type, browser language, the date and time of your request, and one or more cookies that may uniquely identify your browser. This information is periodically deleted as part of normal maintenance routines.
Reward Redemption
Panelist may receive incentives valued from $1.00 USD to $150.00 USD for each directly administered MAG Panel research activity, such as focus groups, surveys, usability studies, and one-on-one interviews. Other Credit Union research activities not initiated directly from and by the MAG Panel are not eligible for incentives. Incentive amounts are determined, in the Credit Union’s sole discretion, by the complexity of each research activity by the MAG Panel and are accepted by the Panelists by completing the full requirements of the research activity. The payout of the incentive is based on the successful completion of the research activity as outlined by each research activity’s required completion criteria. Incentives are paid only via digital gift cards. Incentives will not be paid in cash or any other medium other than digital gift cards offered from the survey or research activity and available from the Tremendous incentives platform.
Within three (3) business days after research activity requirements are confirmed by the Credit Union, the incentive will be digitally sent via email to the Panelist’s email address on file with the MAG Panel and the Credit Union via our third-party incentives provider, Tremendous, www.tremendous.com. Panelists have twelve (12) months from the date an incentive is earned to redeem the incentive. Two (2) attempts will be made to contact a Panelist, once in month six (6) and once in month (11) to inform Panelists they have unredeemed awards and that they will expire at the end of month 12. The Credit Union does not promise or warrant any specific number of Panelist opportunities, nor the ability to earn any specific value of incentives, all of which is subject to the Credit Union’s sole discretion.
The Credit Union reserves the right not to award an incentive or to disqualify Panelists in its reasonable discretion, including but not limited to for the following reasons: (1) ineligibility of any MAG Panel Panelist, (2) fraudulent activity, or (3) if the Credit Union, in its sole discretion, finds that any of the MAG Panels terms and conditions have been violated. Incentives are non-transferable, non-assignable, and cannot be redeemed or exchanged for cash, credit, or other merchandise outside of the MAG Panel. Incentives are subject to required Internal Revenue Service (IRS) reporting. Any applicable taxes resulting from the MAG Panel are the responsibility of the recipient of the incentive.
Additional Conditions and Limitations
Credit Union members who terminate their membership with the Credit Union, or whose membership is terminated by the Credit Union, will no longer be eligible to serve as a MAG Panelist and will be terminated from the MAG Panel.
By participating in the MAG Panel, to the extent allowed by law, you agree to fully release and hold harmless the Credit Union from and against any liabilities, claims and/or damages arising from your participation in the MAG Panel, including your use of the Tremendous platform to receive and redeem incentives. You further agree that the MAG Panel and incentives are provided “as is, where is,” and you assume all risks of participating in the MAG Panel and using the Tremendous website. THERE ARE NO EXPRESS OR IMPLIED REPRESENTATIONS OR WARRANTIES OF ANY KIND, AND THE CREDIT UNION HEREBY DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, THIRD-PARTIES RIGHTS, AND NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR PROPRIETARY RIGHTS. IN NO EVENT WILL EITHER PARTY BE LIABLE TO THE OTHER FOR ANY CONSEQUENTIAL, INCIDENTAL, OR SPECIAL DAMAGES, INCLUDING ANY LOST PROFITS OR LOST SAVINGS, EVEN IF ONE PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR FOR ANY CLAIM BY ANY THIRD-PARTY.
How the MAG Panel Works
To start earning incentives, the Panelist simply signs up for the MAG Panel by registering their first and last name, confirming the same primary email address, address and phone number registered at the Credit Union, and completing the first profile survey. The first profile survey will initiate the first incentive paid at a value of $10.00 USD. By registering and providing this information, the Panelist is agreeing to the MAG Panel Terms and Conditions. Panelists earns incentives each time they participate and complete the full requirements of each MAG Panel research activity.
Incentives cannot be combined with any other offers.
Questions, concerns and feedback should be directed to the MAG Panel by emailing: [email protected]
Routing Number: 325181248
51 Gage Blvd. Richland, WA 99352
Federally insured by NCUA
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Branch
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Notes & Fees Glossary
| Disclaimer | ||
|---|---|---|
| SmartPlus Checking | [APY] Minimum opening balance of $25 required if the account is opened online. In order to earn APY and receive unlimited domestic ATM fee refunds, you must meet the following requirements during each monthly qualifying period: provide and maintain valid email address, apply for and use your Visa debit card to make 15 debit card transactions that post and settle to your account, have at least one direct deposit of $200 or more post to your account, and enroll to receive eStatements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY will apply to the entire balance. Dividends on a SmartPlus Checking account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. 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. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. No monthly fees and no minimum balance required to open or maintain account unless opened online. Fees could reduce earnings on the account. Limit of one SmartPlus Checking account per member. APY is accurate as of , the last dividend declaration date. | A7KD4W9LQXZT |
| Smart Checking | *There is a minimum opening balance requirement of $25.00 if the account is opened online. Regular users of Gesa’s electronic services may want to consider SmartPlus Checking for additional benefits. [Courtesy Pay] | M3VY82CNRLKP |
| Student Checking | [APY] Dividends on Student Checking Accounts are calculated using the daily balance method and will be credited to the member’s account every month. Rate may change after the account is opened. If you close your account before dividends are paid, you will not receive the accrued dividends. The minimum balance to open an account is $5.00, the par value of a share. Courtesy Pay is not offered on Student Checking Accounts. Only electronic transactions such as debit card or ACH transactions are permitted. Fees could reduce earnings on the accounts. | JXZ7V5MWLQ92 |
| Smartplus Savings | [APY] In order to earn a high dividend rate, you must meet the following requirements during the qualifying monthly period: a) provide and maintain a valid email address; and b) be enrolled to receive e-statements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY would apply to the entire balance. Dividends on an SmartPlus Savings Account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. 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. Limited to one SmartPlus Savings account per member. | P9T6QF2XJBLC |
| Smart Savings | [APY] Dividends on Smart Savings are calculated using the daily balance method and are paid monthly. Rate may change after the account is opened. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings on the account. | Y4MKZ3WVTPQ8 |
| High-Yield Savings | [APY] Dividends on the High Yield Savings account are calculated using the daily balance method and are paid monthly. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings. | NDLXQ98R5VTE |
| Money Market | [APY] Dividends for the Money Market Account are calculated using the daily balance method which applies a daily periodic rate to the balance in the account each day. You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield. The minimum balance required to open this account is $2,500.00. There is a minimum average daily balance of $2,500.00 required to avoid a service fee for the calendar month. If the minimum average daily balance requirement is not met, you will be charged a service fee as stated in the Consumer Fee Schedule. New rates are set on the first of each month; rate may change after the account is opened. Fees could reduce earnings on the account. | GQ37ZVKY1WLM |
| Fixed Certificate | [APY] A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to open the certificate is stated in the chart. Early withdrawal penalties apply (a penalty may be imposed for withdrawals before maturity): If your account has an original maturity (term) of less than 12-months: The penalty will equal 90 days interest on the amount withdrawn subject to penalty. If your account has an original maturity (term) of 12-months or more – up to, but less than 36-months: The penalty will equal 180 days interest on the amount withdrawn subject to penalty. If your account has an original maturity of 36-months or more – up to, but less than 48-months: The penalty will equal 365 days interest on the amount withdrawn subject to penalty. If your account has an original maturity of 48-months or greater: The penalty will equal 540 days interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. For any account which earns an interest rate that may vary during the term such as a bump certificate, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal. You may make withdrawals of principal from your account before maturity. In making such withdrawals, your balance may not fall below the minimum or we will close your account. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest only on the crediting dates without penalty. A $500 minimum deposit is required for consumer, IRA, and business certificates. Early withdrawal penalties may apply and may reduce earnings. Certificate rate is for a limited time only and could end at any time. Stated rate as of the first day of the month. | H85PLKJXZ2QM |
| Bump Certificate | [APY] A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to open the certificate is stated in the chart. The Certificate owner must contact Gesa Credit Union to request the one-time rate increase on Bump Certificate accounts. The rate on the Bump Certificate will be changed on the following business day of the date Gesa Credit Union receives the request. The bump option can only be exercised once during the term of the Certificate and does not increase the term of the certificate. The new interest will not be applied retroactively. The new interest rate will be the interest rate we are then offering on regular certificates (non- bump rate certificates) that have the same term and minimum balance. Bump Certificates are only available for consumer and IRA Certificates. Early withdrawal penalties will apply. Minimum deposit balance must be maintained to earn APY and fees may reduce earnings on the account. Special offer for a limited time only. | RXNQ72MLYV9C |