Gesa branches will be closed on Saturday, November 11th for Veterans Day. Learn more about our holiday hours.

Gesa Credit Union will be closed on February 19, 2024 for Presidents' Day. This includes all branches and our Member Contact Center. Regular hours will resume February 20, 2024.

Update Notice: We're improving our systems on the evening of November 4. Gesa members may experience overnight service disruptions. Thank you for your understanding.

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Credit Cards —

Wise Card

With the Gesa Visa® Wise credit card, you’ll have the convenience of online shopping, along with an everyday low interest rate.

For your everyday credit card needs

Notes and Fees

Please refer to your Visa® Wise Credit Card Disclosure for important information about rates, fees and other transaction fees.

† Auto Rental Collision Insurance. Certain terms, conditions, and exclusions apply. In order for coverage to apply you must use your covered Visa® card to secure transactions.

*APR = Annual Percentage Rate. Offer valid on new Visa® Wise credit card accounts only. For qualifying new accounts, 0% introductory rate is valid on balance transfers for 6 months. Balance transfers must be completed within 60 days from the date the account is opened to obtain the introductory rate. After introductory period has concluded on balance transfers, the APR will return to the regular rate and monthly periodic rate as specified in the Card Agreement (as low as 13.74% for Wise card). The APR is a variable rate that is based on the Prime Rate as published in the Wall Street Journal.

Wise Card

0%

APR*

On all balance transfers for 6 months

Competitor Credit Card Comparison

Card - Wise
Gesa Wise Card
Card - Wells Fargo
Wells Fargo Reflect Card
Card - Citi
Citi® Diamond Preferred® Card
Card - USbank
U.S. Bank Visa® Platinum Card

None

Intro fee of 3% of the amount of each transfer, after intro period 5% (minimum of $5)

Intro fee of $5 or 3% of the amount of each transfer, whichever is greater

Intro fee of $5 or 3% of the amount of each transfer, whichever is greater

Card - Wise
Gesa Wise Card
Card - Wells Fargo
Wells Fargo Reflect Card
Card - Citi
Citi® Diamond Preferred® Card
Card - USbank
U.S. Bank Visa® Platinum Card

Standard variable APR as low as 9.99%

Standard variable APR as low as 13.24%

Standard variable APR as low as 13.99%

Standard variable APR as low as 14.74%

Card - Wise
Gesa Wise Card
Card - Wells Fargo
Wells Fargo Reflect Card
Card - Citi
Citi® Diamond Preferred® Card
Card - USbank
U.S. Bank Visa® Platinum Card

Standard variable APR as low as9.99%

Standard variable APR as low as 13.24%

Standard variable APR as low as 13.99%

Standard variable APR as low as 14.74%

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?

To get started, check out what you pre-qualify for in just a few minutes and with no ding on your credit score.

Get started

Yes! You can choose between two WSU athletics Affinity Cards that give back to the athletics teams with no extra charge to you.

Explore WSU Affinity Cards

Rates vary and are subject to change at the first of every month, but you can explore rates further on our rates page.

Explore Rates

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.

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