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Checking and savings —

IRA Accounts and Certificates

Start saving today for a retirement full of possibilities!

At Gesa, we offer a choice between IRA Savings Accounts and IRA Certificate Accounts.

View the IRA Conversion Factsheet.

Visit a Gesa Branch to get started today.

Notes & Fees

* 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, , 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
18
24
30
36
48
60
84

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
24
36
48
60

Retirement Central®

Plan efficiently today and live comfortably in your golden years. Access a full suite of self-service retirement planning tools from our trusted partners at Ascensus.

You’ll find:

  • Interactive calculators to plan your savings
  • Frequently asked questions (FAQs)
  • Online forms for easy account management, including:
    • Opening IRAs and HSAs
    • Managing contributions and distributions
    • Handling direct transfers and rollovers
    • Designating beneficiaries

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.

* * * * *