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.

Spokane Wildfire Relief: Join Us in Making an Impact.

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Promotions –

No-fee HELOC.
No kidding.

Our HELOCs and Home Equity Loans open doors!

Did you know that as a homeowner, you can use your home equity to:

  • Make home improvements
  • Pay off student loans
  • Invest in a small business
  • Eliminate high-interest debt
  • Take a dream vacation

Right now, you can get a Home Equity Loan or Home Equity Line of Credit (HELOC) with no application fees or closing costs!

We offer low variable rates and loan amounts that range from $10,000 to $250,000. No matter the goal, a HELOC can get you the extra cash you need to succeed, and our team is here to help you make the most of your home equity.

Having questions is normal, and we can help! Call us at (888) 946-4372, or visit your local branch.

Fixed Home Equity: APR is stated as annual percentage rate. Gesa Credit Union will finance a fixed-rate, one-time loan advance using the equity in a member’s primary residence as collateral for the loan. The property must be located in Washington, Oregon and Idaho: Borrower will pay no upfront fees and the credit union will pay all closing costs unless a full appraisal is required or there are fees outside of normal circumstances. Typical appraisal costs range from $600-$1,200. Minimum loan amount is $20,000. Maximum loan amount is $250,000.00. APR ranges from  8.875% – 10.125%. The quoted APR ranges are accurate as of 12/08/2023 and are subject to change. All rates and terms offered are dependent on credit qualification, are subject to loan to value guidelines, and are subject to change. You must be a Gesa Credit Union Member and not all applicants will qualify. Contact Gesa Credit Union for full program details.

Home Equity Line of Credit: All loans subject to approval. APR is stated as annual percentage rate. Gesa will finance a line of credit using the equity in a member’s primary residence, investment property or vacation home as collateral for the loan. The property must be located in Washington, Oregon and Idaho. The APR is based on Prime rate as published in the Wall Street Journal plus a margin of 1.00% to 7.00%. APR can be adjusted quarterly with a floor of 3.95% and a maximum of 18%. Minimum loan amount is $10,000. Maximum loan amount is $250,000. Gesa will lend up to 90% of the value on a member’s primary residence (75% on manufactured homes and investment properties), minus any existing mortgages or liens. The loan has a 10 year draw period followed by a 15 year repayment period. The variable monthly payment during the draw period will be a minimum of $75.00 or an interest only payment (whichever is greater) based on the balance of the loan when the cycles ends each month.

During the 15 year repayment period, the payment will be a variable payment of principal and interest to pay the balance owing at the end of the draw period in full on an amortized 15 year term. The credit union will pay all closing costs unless a full appraisal is required, or there are fees outside of normal circumstances. Borrower pays all fees on investment properties and second homes. Typical appraisal costs range from $600-$1,200.

A family of three, including a mother, father, and young child, standing happily in an empty room with wooden flooring, looking upwards and smiling with anticipation, framed by an open white door.

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.

* * * * *