1 Beginning January 5, 2026, for a limited time only, a $250 cash incentive will be paid on all new Everyday Smart, EarnSmart™, or EarnSmart Perks™ checking accounts subject to the qualifying criteria below. To be eligible for the $250 checking incentive, you must have a member savings account, open a new Everyday Smart, EarnSmart™, or EarnSmart Perks™ checking account, enroll in eStatements, and receive a recurring payroll or government benefit direct deposit of $250 or more. You must enroll into eStatements within 60 days of account opening and set up and receive at least two recurring payroll or government benefit direct deposits within 75 days of account opening. The checking account must be opened with a minimum of $25 if opened online. Must use a promo code at the time of account opening to be eligible for incentive. No minimum ongoing balance is required to receive this incentive. Only one $250 Everyday Smart, EarnSmart™, or EarnSmart Perks™ checking incentive can be earned per member. You must be over the age of 18 and must not have had any Gesa checking account within the last 24 months. Within 60 days of completing all of the qualifying criteria, incentive payments will be paid by direct deposit into the member’s savings account and are subject to IRS reporting. The credit union has the discretion to end this checking account incentive promotion at any time. If this account is closed within 180 days from the account opening date, a $20 early account closure fee will be assessed.


APY (Annual Percentage Yield) is accurate as of 08/01/26. EarnSmart™ or EarnSmart Perks™ checking accounts earn 3.00% APY on the first qualified $5,000 in balances. Amounts over $5,000 earn 0.01% APY. In order to earn 3.00% APY on the first $5,000 and receive unlimited domestic ATM fee refunds, you must meet the following requirements during each monthly qualifying period: provide and maintain valid email address, apply for and use your Visa® debit card to make 15 debit card transactions that post and settle to your account, have at least one recurring direct deposit of $200 or more post to your account during the qualifying period, and enroll to receive eStatements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY will apply to the entire balance. The EarnSmart Perks™ Checking account provides subscription benefits with a $7 monthly subscription cost. For EarnSmart™ Checking accounts, the $7 monthly service fee will be waived if you enroll to receive eStatements; or have recurring payroll or benefit direct deposit of $200 or more during the qualifying period. For Everyday Smart Checking accounts, the $5 monthly service fee will be waived if you enroll to receive eStatements; or have recurring direct deposit during the qualifying period. Rates, terms, and fees are subject to change at any time after account opening. Fees may reduce earnings.

*APR = Annual Percentage Rate. You may refinance your current loan at a rate to which you qualify, between 4.49% and 17.99% APR. All rates are determined by a hard inquiry pull on your credit report. Other rates and terms may apply, depending on the model year and your creditworthiness. Make no payments for 120 days when you refinance your current loan. Interest will continue to accrue during the 120 days. Offer valid for auto loans currently financed through other financial institutions only and not available for new purchases. Offer valid for vehicle ages 2015 and newer. Auto loans must be at least 90 days old in order to refinance with Gesa. Boat, RV, motorcycle, and existing loans financed through Gesa are not eligible for this promotion. To qualify for payments delayed for up to 120 days, you must meet certain credit criteria, and not all members will qualify. Rate includes 1.00% discount for refinancing your auto loan. This offer is available for a limited time and may end at any time. Contact the credit union for details.

2 Receive a $500 cash bonus when you refinance an auto loan from another financial institution with Gesa. Incentive will be deposited into the member’s eligible Gesa savings account within 60 days of loan booking. Member must have an eligible Gesa savings account open at the time of payout to receive the incentive. Existing Gesa loans are not eligible. Incentive may be subject to IRS reporting. Gesa Credit Union employees, board members, and audit committee members are eligible.


Offer qualifications and important information: Membership with Gesa Credit Union is required. All loans are subject to Gesa Credit Union lending policies, collateral requirements, and loan-to-value guidelines. Ineligible collateral includes vehicles greater than one ton, any vehicles or collateral titled as commercial or intended for commercial use. No salvage vehicles, branded titles, lemon-law buy-backs, straw purchases, or vehicles/motorcycles over 125,000 miles. Verification of employment and income may be required. Under limited circumstances, for example if you no longer meet the established credit criteria when you respond, we may not be able to finance a loan for you, in which case you will be notified. Rates, fees, and terms subject to change without notice and are subject to credit approval.