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Checking and savings —

IRA Accounts and Certificates

Start saving today for a retirement full of possibilities!

Visit a Gesa Branch
Visit a Gesa Branch
  • Gesa's IRA savings and certificate accounts are insured by the NCUA
  • Insured up to $250,000 and separately from other savings accounts
Details

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*0..80%5.25%5.25%
180.40%0.45%0.50%
24*0.45%5.35%5.35%
300.50%0.55%0.60%
360.55%0.60%0.65%
480.65%0.70%0.75%
600.75%0.80%0.85%
840.80%0.90%1.00%

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*0.35%0.40%0.45%
24*0.45%0.50%0.55%
360.55%0.60%0.65%
480.65%0.70%0.75%
600.75%0.80%0.85%
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Gesa Credit Union
Gesa Credit Union

51 Gage Blvd. Richland, WA 99352

Routing Number: 325181248

(888) 946-4372

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© Gesa Credit Union. All Rights Reserved

Routing Number: 325181248
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Gesa Credit Union
51 Gage Blvd. Richland, WA 99352
Equal Housing Opportunity
CO-OP Shared Branch

Equal Housing Opportunity Lender  –  Co-op Shared Branch

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51 Gage Blvd.
Richland, WA 99352

(888) 946-4372

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With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.

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Up to 5.00% APY
On select checking accounts!

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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.

* * * * *