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.
* 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
(min. balance $500.00)
(min. balance $50,000.00)
(min. balance $100,000.00)
IRA Bump Certificate Rates
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Notes & Fees Glossary
|*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: