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Checking and savings —

SmartPlus Savings

A savvy way to get a great rate and establish a membership.

SmartPlus Savings
keeps getting smarter

SmartPlus Savings offers a competitive 7.00% APY* on the first $500 in balances, empowering members with enhanced returns, minimal fees, and the opportunity to easily establish Gesa membership.

How to qualify
  • Enroll in eStatements
  • Limit one account per member

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 03/04/23, the last dividend declaration date.

In order to earn a high dividend rate, you must meet the following requirements during the qualifying monthly period: a) provide and maintain a valid email address; and b) be enrolled to receive e-statements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY would apply to the entire balance.

Dividends on an SmartPlus Savings Account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. 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. Limited to one SmartPlus Savings account per member.

Notes and Fees

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of , the last dividend declaration date.

In order to earn a high dividend rate up to APY, you must meet the following requirements during the qualifying monthly period: a) provide and maintain a valid email address; and b) be enrolled to receive e-statements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” APY would apply to the entire balance.

Dividends on a SmartPlus Savings Account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. 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 an account. Minimum opening deposit of $5. Fees could reduce earnings. Limited to one SmartPlus Savings account per member.

SmartPlus Savings

APY*

On your first in balances.
APY* for balances over .

Benefits with all Gesa savings accounts

Online and Mobile banking

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

Nationwide ATMs

Access to over 70,000 surcharge free ATMs throughout the CU24 credit union ATM network.

Card Controls

Remote card controls and custom alerts to keep you in the loop about your money.

  • Online and Mobile banking

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

    Learn more
  • Nationwide ATMs

    Access to over 70,000 surcharge free ATMs throughout the CU24 credit union ATM network.

    Learn more
  • Card Manager

    Card manager and custom alerts to keep you in the loop about your money.

    Learn more

Why go with Gesa?

When you bank with Gesa, you keep your money in your community and give back to local schools and organizations.

Scholarships

Still have questions?

Your SmartPlus 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 

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 

APY, or Annual Percentage Yield, represents the effective annual rate of return on your SmartPlus Savings account, factoring in the compound interest earned over a year on your deposited funds.

By opening a SmartPlus Savings account with a minimum deposit, typically a small amount like $5, you can become a member of Gesa Credit Union, unlocking various benefits and services tailored to members’ financial needs.

A credit union savings account typically offers higher interest rates, lower fees, personalized service, community-oriented benefits, and member ownership compared to traditional banks.

Still have questions?

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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.

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

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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.

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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!

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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.

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