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Checking and savings —
IRA Accounts and Certificates
Start saving today for a retirement full of possibilities!
- Gesa's IRA savings and certificate accounts are insured by the NCUA
- Insured up to $250,000 and separately from other savings accounts
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 $250,000 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.
Visit a Gesa Branch to get started today.
* 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, 11/01/2021, 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 | |||
| 13 | |||
| 18 | |||
| 24 | |||
| 25 | |||
| 30 | |||
| 36 | |||
| 48 | |||
| 60 | |||
| 84 |
| Account Type | Term (months) |
APY* | Min. Deposit |
|---|---|---|---|
| IRA Savings | — | $100.00 |
IRA Bump Certificate Rates
| Term (months) | APY* (min. balance $500.00) | APY* (min. balance $50,000.00) | APY* (min. balance $100,000.00) |
|---|---|---|---|
| 12 | 0.80% | 0.90% | 1.00% |
| 24 | 1.05% | 1.15% | 1.25% |
| 36 | 1.30% | 1.40% | 1.50% |
| 48 | 1.55% | 1.65% | 1.75% |
| 60 | 1.70% | 1.85% | 2.00% |
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Up to 5.00% APY
On select checking accounts!
Routing Number 325181248
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:
|