Important Notice

  • All Gesa branches and the Member Contact Center will be closed on Saturday, July 4, 2020 in observance of Independence Day. If you need immediate access to your accounts during the closure, please use Xpress Digital Banking. Thank you for your membership in Gesa Credit Union.

Rates

Checking

Colossal Checking Rates

Qualifying Account Balance APY*
(months)
$0 – $10,000.00 1.65%
$10,000.01+ 0.01%
Non-Qualifying 0.01%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 7/1/2020, the last dividend declaration date.

Notes and Fees

Dividends on a Colossal Checking Account will be compounded and credited to a member's account each month. Dividends on Colossal Checking accounts are calculated using the daily balance method. Qualifying account balances meet minimum requirements. Rate may change after the account is opened. No monthly fees and no minimum balance required to open or maintain account. Fees could reduce earnings on the account.

Business Analysis Checking Rates

Account Type Earnings Credit
(APY*)
Analysis Checking 0.30%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 7/1/2020, the last dividend declaration date.

Savings

Primary Savings Rates

Account Type APY*
Primary Savings 0.05%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 7/1/2020, the last dividend declaration date.

Notes and Fees

Dividends on Primary Savings are calculated using the daily balance method and are paid quarterly. Rate may change after the account is opened. APY accurate as of 7/1/2020. The par value of a share in this account is $5.00. The amount necessary to open the account is also the amount necessary to earn the stated APY. Fees could reduce earnings on the account.

Certificate Rates

Term
(months)
APY*
(min. balance $500.00)
APY*
(min. balance $50,000.00)
APY*
(min. balance $100,000.00)
3 0.20% 0.20% 0.20%
6 0.30% 0.30% 0.30%
12 0.40% 0.40% 0.40%
18 0.40% 0.45% 0.50%
24 0.50% 0.55% 0.60%
30 0.60% 0.65% 0.70%
36 0.60% 0.70% 0.80%
48 0.70% 0.80% 0.90%
60 0.80% 0.90% 1.00%
84 0.90% 1.00% 1.10%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 7/1/2020. A penalty may be imposed for early withdrawal. The minimum balance to open the certificate is stated in the chart.

Bump Certificate Rates

Term
(months)
APY*
(min. balance $500.00)
APY*
(min. balance $50,000.00)
APY*
(min. balance $100,000.00)
12 0.40% 0.40% 0.40%
24 0.50% 0.55% 0.60%
36 0.60% 0.70% 0.80%
48 0.70% 0.80% 0.90%
60 0.80% 0.90% 1.00%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 7/1/2020. A penalty may be imposed for early withdrawal. The minimum balance to open the certificate is stated in the chart.

IRA Certificate Rates

Term
(months)
APY*
(min. balance $500.00)
APY*
(min. balance $50,000.00)
APY*
(min. balance $100,000.00)
12 0.40% 0.40% 0.40%
18 0.40% 0.45% 0.50%
24 0.50% 0.55% 0.60%
30 0.60% 0.65% 0.70%
36 0.60% 0.70% 0.80%
48 0.70% 0.80% 0.90%
60 0.80% 0.90% 1.00%
84 0.90% 1.00% 1.10%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 7/1/2020. A penalty may be imposed for early withdrawal. The minimum balance to open the certificate is stated in the chart.

Account Type Term
(months)
APY* Min. Deposit
IRA Certificate Add-On 11 0.40% $500.00

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. Minimum balance to earn the APY is shown in the chart above. Stated rate as of 7/1/2020. A penalty may be imposed for early withdrawal. The minimum balance to open the certificate is stated in the chart.

IRA Savings Rates

Account Type Term
(months)
APY* Min. Deposit
IRA Savings -- 0.25% $100.00

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. Stated rate as of 7/1/2020, 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 Bump Certificate Rates

Term
(months)
APY*
(min. balance $500.00)
APY*
(min. balance $50,000.00)
APY*
(min. balance $100,000.00)
12 0.40% 0.40% 0.40%
24 0.50% 0.55% 0.60%
36 0.60% 0.70% 0.80%
48 0.70% 0.80% 0.90%
60 0.80% 0.90% 1.00%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 7/1/2020. A penalty may be imposed for early withdrawal. The minimum balance to open the certificate is stated in the chart.

Money Market Rates

Minimum Daily Balance APY*
$2,500.00 – $9,999.99 0.15%
$10,000.00 – $24,999.99 0.20%
$25,000.00 – $49,999.99 0.25%
$50,000.00 – $99,999.99 0.30%
$100,000.00 – $249,999.99 0.35%
$250,000.00+ 0.40%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 7/1/2020, the last dividend declaration date.

Notes and Fees

Dividends for the Money Market Account are calculated using the daily balance method which applies a daily periodic rate to the balance in the account each day. You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield. The minimum balance required to open this account is $2,500. You must maintain an average daily balance of $2,500 in your account to avoid a service fee of $10.00 per month. New rates are set on the first of each month; rate may change after the account is opened. Fees could reduce earnings on the account.

Health Savings Rates

Qualifying Account Balance APY*
$0 – $24,999.99 0.50%
$25,000.00+ 1.00%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 7/1/2020, the last dividend declaration date.

Notes and Fees

Dividends on Health Savings Accounts are calculated using the daily balance method. Dividends will be credited to the member's account every month. If you close your account before dividends are paid, you will not receive the accrued dividends. The minimum balance requirement to open an account is $100.00. No transaction limitations apply. Fees could reduce earnings on the accounts.

Business Savings Rates

Account Type Earnings Credit
(APY*)
Business Savings 0.04%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 7/1/2020, the last dividend declaration date.

Business Certificate Rates

Term
(months)
APY*
(min. balance $500.00)
APY*
(min. balance $50,000.00)
APY*
(min. balance $100,000.00)
3 0.20% 0.20% 0.20%
6 0.30% 0.30% 0.30%
12 0.40% 0.40% 0.40%
18 0.40% 0.45% 0.50%
24 0.50% 0.55% 0.60%
30 0.60% 0.65% 0.70%
36 0.60% 0.70% 0.80%
48 0.70% 0.80% 0.90%
60 0.80% 0.90% 1.00%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 7/1/2020. A penalty may be imposed for early withdrawal. The minimum balance to open the certificate is stated in the chart.

Business Money Market Rates

Minimum Daily Balance APY*
$2,500.00 – $9,999.99 0.15%
$10,000.00 – $49,999.99 0.25%
$50,000.00 – $99,999.99 0.30%
$100,000.00 – $499,999.99 0.35%
$500,000.00+ 0.40%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 7/1/2020, the last dividend declaration date.

Business Money Market Sweep Rates

Minimum Daily Balance APY*
$0.01 – $49,999.99 0.15%
$50,000.00 – $249,999.99 0.20%
$250,000.00 – $499,999.99 0.25%
$500,000.00+ 0.35%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 7/1/2020, the last dividend declaration date.

Vehicle Loans

New Auto Loan Rates

APR*
(as low as)
Loan Amount Max. Term
(months)
Vehicle Age
2.74% No Minimum 48 2017+
3.24% No Minimum 60 2017+
3.49% No Minimum 72 2017+
3.99% $20,000.00+ 84 2017+

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

Notes and Fees

Rate includes 0.50% discount for member having a Gesa checking account or Gesa Visa® credit card. Additionally, rate includes 0.25% discount for auto transfer from a checking or savings account at the time the loan is originated.

On new auto loans, max advance (loan value) is based on approved credit tier plus tax, license, and dealer add-ons that are claimed refundable. Includes a $75 documentation processing fee. Rate is dependent on credit qualifications. Other rates and terms available. Rates, terms and fees are subject to change. Contact Gesa for full program details.

Ineligible Collateral: salvage vehicles, branded titles, lemon law buybacks, or vehicles with over 125,000 miles.

Gesa offers a range of rates that depend on factors such as credit history, loan term, and Gesa account. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Rates do not apply to refinances of loans that originated from Gesa.

Rates are effective as of 7/1/2020.

Payment Example – New Auto Loan: fixed rate; terms to 48 months. $22.02 a month based per $1,000 on a 4 year loan at 2.74% APR.

Used Auto Loan Rates

APR*
(as low as)
Loan Amount Max. Term
(months)
Vehicle Age
2.74% No Minimum 48 2008 – 2016
3.24% No Minimum 60 2008 – 2016
3.49% No Minimum 72 2008 – 2016
3.99% $20,000.00+ 84 2008 – 2016
6.24% No Minimum 48 2005 – 2007
6.74% No Minimum 60 2005 – 2007

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

Notes and Fees

Rate includes 0.50% discount for member having a Gesa checking account or Gesa Visa® credit card. Additionally, rate includes 0.25% discount for auto transfer from a checking or savings account at the time the loan is originated.

On used auto loans, max advance (loan value) is based on approved credit tier plus tax, license, and dealer add-ons that are claimed refundable. Includes a $75 documentation processing fee. Rate is dependent on credit qualifications. Other rates and terms available. Rates, terms and fees are subject to change. Contact Gesa for full program details.

Ineligible Collateral: salvage vehicles, branded titles, lemon law buybacks, or vehicles with over 125,000 miles.

Gesa offers a range of rates that depend on factors such as credit history, loan term, and Gesa account. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Rates do not apply to refinances of loans that originated from Gesa.

Rates are effective as of 7/1/2020.

Payment Example – Used Auto Loan: fixed rate; terms to 48 months. $22.02 a month based per $1,000 on a 4 year loan at 2.74% APR.

New Marine and RV Loan Rates

APR*
(as low as)
Loan Amount** Max. Term
(months)
Age Range
2.99% $0 – $100,000.00 60 2016+
3.99% $0 – $25,000.00 84 2016+
4.24% $25,001.00 – $50,000.00 120 2016+
4.74% $50,001.00 – $100,000.00 180 2016+

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.
** Maximum loan amount is $100,000.

Notes and Fees

Rate includes 0.50% discount for members having a Gesa checking account or Gesa Visa® credit card. Additionally, rate also includes 0.25% discount for auto transfer from a checking or savings account at the time the loan is originated.

On new recreational vehicles and boat loans, max advance (loan value) is based on approved credit tier plus tax, license, and dealer add-ons that are claimed refundable. Includes a $75 documentation processing fee. Rate is dependent on credit qualifications. Other rates and terms available. Rates, terms and fees are subject to change. Contact Gesa for full program details.

Ineligible Collateral: salvage vehicles, branded titles, lemon law buybacks, or vehicles with over 125,000 miles.

Gesa offers a range of rates that depend on factors such as credit history, loan term, and Gesa account. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Rates do not apply to refinances of loans that originated from Gesa.

Rates are effective as of 7/1/2020.

Payment Example – New Marine/RV Loan: fixed rate; terms to 60 months. $17.96 a month based per $1,000 on a 5 year loan at 2.99% APR.

Used Marine and RV Loan Rates

APR*
(as low as)
Loan Amount** Max. Term
(months)
RV Age
3.24% $0 – $100,000.00 60 2010 – 2015
4.49% $0 – $25,000.00 84 2010 – 2015
4.74% $25,001.00 – $50,000.00 120 2010 – 2015
5.24% $50,001.00 – $100,000.00 180 2010 – 2015

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.
** Maximum loan amount is $100,000.

Notes and Fees

Rate includes 0.50% discount for members having a Gesa checking account or Gesa Visa® credit card. Additionally, rate also includes 0.25% discount for auto transfer from a checking or savings account at the time the loan is originated.

On used recreational vehicles and boat loans, max advance (loan value) is based on approved credit tier plus tax, license, and dealer add-ons that are claimed refundable. Includes a $75 documentation processing fee. Rate is dependent on credit qualifications. Other rates and terms available. Rates, terms and fees are subject to change. Contact Gesa for full program details.

Ineligible Collateral: salvage vehicles, branded titles, lemon law buybacks, or vehicles with over 125,000 miles.

Gesa offers a range of rates that depend on factors such as credit history, loan term, and Gesa account. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Rates do not apply to refinances of loans that originated from Gesa.

Rates are effective as of 7/1/2020.

Payment Example – Used Marine/RV Loan: fixed rate; terms to 60 months. $18.08 a month based per $1,000 on a 5 year loan at 3.24% APR.

New Other Collateral Loan Rates

APR*
(as low as)
Max. Term
(months)
Vehicle Age
6.99% 48 2017+
7.24% 60 2017+
7.99% 72 2017+
8.49% 84 2017+

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

Notes and Fees

Rate includes 0.25% discount for auto transfer from a checking or savings account at the time the loan is originated.

On other new collateral loans, we will finance 100% of MSRP plus tax, license, GAP, MBP, and debt protection. Includes a $75 documentation processing fee. Rate is dependent on credit qualifications. Other rates and terms available. Rates, terms and fees subject to change without notice. Contact Gesa for full program details.

Ineligible Collateral: Salvage vehicles, branded titles, lemon law buybacks, or vehicles with over 125,000 miles.

Rates are effective as of 7/1/2020.

Payment Example – Other New Collateral Loan: fixed rate; terms to 48 months. $23.94 a month based per $1,000 on a 4 year loan at 6.99% APR.

Used Other Collateral Loan Rates

APR*
(as low as)
Max. Term
(months)
Vehicle Age
6.99% 48 2008 – 2016
7.24% 60 2008 – 2016
7.99% 72 2008 – 2016
8.49% 84 2008 – 2016

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

Notes and Fees

Rate includes 0.25% discount for auto transfer from a checking or savings account at the time the loan is originated.

On other used collateral loans, we will finance 100% of retail book plus tax, license, GAP, MBP, and debt protection. Includes a $75 documentation processing fee. Rate is dependent on credit qualifications. Other rates and terms available. Rates, terms and fees subject to change without notice. Contact Gesa for full program details.

Ineligible Collateral: Salvage vehicles, branded titles, lemon law buybacks, or vehicles with over 125,000 miles.

Rates are effective as of 7/1/2020.

Payment Example – Other Used Collateral Loan: fixed rate; terms to 48 months. $23.94 a month based per $1,000 on a 4 year loan at 6.99% APR.

Credit Cards

Visa Credit Card Rates

Visa® Product APR*
(as low as)
Daily Periodic Rate
Visa® Diamond Cash Back 10.24% 0.02805%
Visa® Platinum 6.99% 0.01915%
Share Secured Visa® Credit Card 6.99% 0.01915%

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

Notes and Fees

To view disclosures for the Gesa Visa® Diamond Cash Back, Platinum, and Share Secured Credit Cards, please visit the Credit Cards page.

Home Loans

Home Purchase & Refinance Rates

We adjust our rates daily to provide members with the best interest rates possible on a wide variety of home loan products. Please select the "Apply Now" button below to see the interest rate that best suits your needs.

Apply Now

Your credit will not be reviewed unless you choose to "Review Your Credit" in the application process at the very end. For more information and helpful resources, visit gesahomeloans.com.

Home Equity Loans

Fixed Home Equity Rates

Loan Type APR*
(as low as)
Loan Amount Term
(up to)
Home Equity Fixed 3.625% $20,000.00+ 60
Home Equity Fixed 3.750% $20,000.00+ 120
Home Equity Fixed 3.875% $30,000.00+ 180

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

Notes and Fees

Gesa will finance a fixed rate, one-time loan advance using the equity in a member’s primary residence as collateral for the loan. Member may borrow up to 90% of the value of the member’s primary residence (75% on Jumbo products or manufactured homes) minus any existing mortgages or liens. Loan value restrictions apply.

Minimum loan amount is $5,000 and maximum loan amount is $250,000.

The property must be located in Washington, Oregon, or the following counties in Idaho: Benewah, Bonner, Boundary, Kootenai, Latah, Lewis, Nez Perce and Shoshone.

All loans require an appraisal to determine value regardless of loan amount.

Gesa will pay fees on loan amounts over $50,000 unless otherwise conditioned. Members are responsible for paying fees on loan amounts under $50,000. Third party fees include, but are not limited to, credit report fee, title and escrow fees, recording fee, appraisal fee, and flood fee.

All loan rates and terms offered are dependent on credit qualifications, are subject to loan to value guidelines, and are subject to change. Contact Gesa for full program details.

Payment Example – Fixed Home Equity Loan: fixed rate; terms to 60 months. $367.20 a month based on a 5 year, $20,000 loan at 3.88% APR.

Home Equity Line of Credit Rates

Loan Type APR*
(as low as)
Term
(up to)
Home Equity Line of Credit 4.00% 180

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

Notes and Fees

APR is stated as annual percentage rate. Gesa will finance a line of credit using the equity in a member's primary residence as collateral for the loan. The property must be located in Washington, Oregon or the following counties in Idaho: Benewah, Bonner, Boundary, Kootenai, Latah, Lewis, Nez Perce and Shoshone. The interest rate is based on Prime rate as published in the Wall Street Journal plus a margin of .25% to 2.75%. Rate can be adjusted quarterly with a floor of 4% and a maximum of 18%. Minimum loan amount is $10,000. Maximum loan amount is $250,000. Annual fee of $30 applies during draw period (first 60 months). Closing fees will be paid by member. There are no prepayment penalties. All rates and terms offered are dependent on credit qualifications, subject to loan to value, debt to income guidelines, and are subject to change without notice. Property insurance is required. Please contact Gesa for full program details.

All loans require an appraisal to determine value regardless of loan amount. The variable minimum monthly payment will be an amount sufficient to repay the outstanding balance in principal and interest payments over the remaining term at the applicable APR, subject to a minimum payment of at least $75. You may borrow up to 90% of the value of your primary residence (75% on Jumbo products or manufactured homes), minus any existing mortgages or liens.

Personal Loans

Personal Loan and Line of Credit Rates

Loan Type APR*
(as low as)
Financing
(up to)
Max. Term
(months)
Personal Loan 6.75% $30,000.00 24
Personal Loan 7.25% $30,000.00 36
Personal Loan 7.75% $30,000.00 48
Personal Loan 8.25% $30,000.00 60
Personal Loan 9.25% $30,000.00 72
Personal Line of Credit 9.00% $15,000.00 Open End

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

Notes and Fees

Personal Loan rates include a 0.25% discount for automatic transfer from a checking or savings account at the time the loan is originated. Rate is dependent on credit qualifications. Other rates and terms available.

Personal Line of Credit required fees include an annual fee of $35. Possible fees include an overdraft protection fee of $25 per transfer. Minimum payment is $50. Contact Gesa for full program details.

Payment Example – Personal Loan: fixed rate; terms to 24 months. $44.66 a month based per $1,000 on a 2 year loan at 6.75% APR.

Citizenship Loan Rates

APR* Loan Amount Max. Term
(months)
15.00% $1,000.00 12

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

Notes and Fees

Payment Example – Citizenship Loan: fixed Rate; terms to 12 months. $90.26 a month based per $1,000 on a 1 year loan at 15.00% APR.

FastCash Plus Rates

Loan Type Fixed APR* Max. Amount Term Details
FastCash Plus 36.00% $4,000.00 Varies No credit check

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

Repayment Schedule

Loan Amount Term Payment
$500 - $700 6 months $90 - $130
$701 - $999 9 months $90 - $130
$1,000 - $1,500 12 months $100 - $150
$1,501 - $2,000 15 months $125 - $167
$2,001 - $2,500 18 months $145 - $182
$2,501 - $3,000 24 months $148 - $178
$3,001 - $4,000 36 months $138 - $185

Share-Secured Loan Rates

Loan Type APY* Max. Term
(months)
Share Secured Loan Share rate plus 2.00% 36
Share Secured Loan Share rate plus 3.00% 37 – 60

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 7/1/2020, the last dividend declaration date.

Notes and Fees

Minimum Payment amount of $50.

Payment Example – Share-Secured Loan: fixed rate; terms to 60 months. $18.71 a month based per $1,000 on a 5 year loan at 4.65% APR.