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Checking and savings —

Certificate Accounts and Bump Certificates

Ready to boost your savings? Open a Gesa Credit Union Certificate Account today and secure a fixed interest rate for your money. Or, explore the flexibility of a Bump Certificate, providing you the opportunity to increase your rate if market conditions improve.

Bump Certificate

Benefits of Certificate Accounts

  • Online and Mobile banking

    24-hour access to your accounts to make transfers, deposit checks, and more.

    Learn more
  • Variety of term options

    Access to a variety of term options to best support your goals.

  • Flexible rates

    Competitive and flexible rates that work for your lifestyle.

Still have questions?

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 Coverage

A CD account, or Certificate of Deposit, is a savings account where you deposit money for a fixed period at a higher interest rate than regular accounts, but with penalties for early withdrawal.

A bump certificate is a specialized certificate of deposit (CD) that combines the fixed-term structure of a certificate account with the added feature of allowing members a one-time interest rate increase during the term, providing a great flexibility option for those looking to get the most out of their savings. 

Gesa Credit Union certificate accounts, including bump certificates, offer various interest rates and terms, with the bump certificate allowing a rate “bump” if market rates rise.

 The bump certificate’s interest rates are slightly different from regular Certificate Accounts. For example, a 12-month bump certificate might offer an APY of 3.20% for a minimum balance of $500.

With the Gesa Credit Union bump certificate, account holders can request a single rate adjustment should interest rates increase, enabling them to benefit from better rates without the need to open  a new certificate.

 Similar to regular certificate accounts, there are penalties for early withdrawals from a bump certificate. These penalties are based on the term and amount withdrawn.

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

 The bump option can only be exercised once during the term of the bump certificate, and it doesn’t extend the term of the certificate.

Still have questions?

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

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 East

Business Visa:
A low-rate card made for business owners.

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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.

You can easily change your debit card through our affinity form.

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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