Important Notice

  • We will be performing system maintenance on Sunday, September 22 from 12:00 a.m. to 6:00 a.m. During this time Xpress Digital and Telephone Banking will be unavailable. We appreciate your patience and thank you for your membership in Gesa Credit Union.

Rates

Checking

Colossal Checking Rates

Qualifying Account Balance APY*
(months)
$0 – $10,000.00 3.00%
$10,000.01+ 0.05%
Non-Qualifying 0.05%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

Analysis Checking Rates

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

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

Savings

Primary Savings Rates

Account Type APY*
Primary Savings 0.05%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

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% 0.40% 0.50%
12 0.80% 0.90% 1.00%
13 1.75% 1.75% 1.75%
18 1.65% 1.75% 1.85%
24 2.05% 2.20% 2.35%
30 2.10% 2.25% 2.40%
36 2.20% 2.35% 2.50%
48 2.35% 2.55% 2.75%
60 2.50% 2.75% 3.00%
84 2.75% 3.00% 3.25%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

Bump Certificate Rates

Term
(months)		 APY*
(min. balance $500.00)		 APY*
(min. balance $50,000.00)		 APY*
(min. balance $100,000.00)
12 0.70% 0.80% 0.90%
24 1.85% 2.00% 2.15%
36 1.95% 2.10% 2.25%
48 2.10% 2.30% 2.50%
60 2.20% 2.45% 2.70%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

IRA Certificate Rates

Term
(months)		 APY*
(min. balance $500.00)		 APY*
(min. balance $50,000.00)		 APY*
(min. balance $100,000.00)
12 0.80% 0.90% 1.00%
18 1.65% 1.75% 1.85%
24 2.05% 2.20% 2.35%
30 2.10% 2.25% 2.40%
36 2.20% 2.35% 2.50%
48 2.35% 2.55% 2.75%
60 2.50% 2.75% 3.00%
84 2.75% 3.00% 3.25%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

IRA Savings and Certificate Add-On Rates

Account Type Term
(months)		 APY* Min. Deposit
IRA Savings -- 0.25% $100.00
IRA Certificate Add-On 11 0.40% $500.00

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

IRA Bump Certificate Rates

Term
(months)		 APY*
(min. balance $500.00)		 APY*
(min. balance $50,000.00)		 APY*
(min. balance $100,000.00)
12 0.70% 0.80% 0.90%
24 1.85% 2.00% 2.15%
36 1.95% 2.10% 2.25%
48 2.10% 2.30% 2.50%
60 2.20% 2.45% 2.70%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

Money Market Rates

Average Daily Balance APY*
$2,500.00 – $9,999.99 0.20%
$10,000.00 – $24,999.99 0.30%
$25,000.00 – $49,999.99 0.40%
$50,000.00 – $99,999.99 0.50%
$100,000.00 – $249,999.99 0.55%
$250,000.00+ 0.60%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

Health Savings Rates

Qualifying Account Balance APY*
$0 – $24,999.99 0.75%
$25,000.00+ 1.25%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

Business Savings Rates

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

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

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% 0.40% 0.50%
12 0.80% 0.90% 1.00%
18 1.65% 1.75% 1.85%
24 2.05% 2.20% 2.35%
30 2.10% 2.25% 2.40%
36 2.20% 2.35% 2.50%
48 2.35% 2.55% 2.75%
60 2.50% 2.75% 3.00%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

Business Money Market Rates

Average Daily Balance APY*
$2,500.00 – $9,999.99 0.20%
$10,000.00 – $49,999.99 0.30%
$50,000.00 – $99,999.99 0.50%
$100,000.00 – $499,999.99 0.55%
$500,000.00+ 0.60%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

Business Money Market Sweep Rates

Average Daily Balance APY*
$0.01 – $49,999.99 0.20%
$50,000.00 – $249,999.99 0.30%
$250,000.00 – $499,999.99 0.45%
$500,000.00+ 0.55%

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

Vehicle Loans

New Auto Loan Rates

APR*
(as low as)		 Loan Amount Max. Term
(months)		 Vehicle Age
3.74% No Minimum 48 2016+
4.24% No Minimum 60 2016+
4.49% No Minimum 72 2016+
4.99% $20,000.00+ 84 2016+

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

Used Auto Loan Rates

APR*
(as low as)		 Loan Amount Max. Term
(months)		 Vehicle Age
3.74% No Minimum 48 2007 – 2015
4.24% No Minimum 60 2007 – 2015
4.49% No Minimum 72 2007 – 2015
4.99% $20,000.00+ 84 2007 – 2015
7.74% No Minimum 48 2004 – 2006
8.24% No Minimum 60 2004 – 2006

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

New Marine and RV Loan Rates

APR*
(as low as)		 Loan Amount** Max. Term
(months)		 Age Range
5.25% $0 – $25,000.00 84 2016+
5.50% $25,001.00 – $50,000.00 120 2016+
6.00% $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.

Used Marine and RV Loan Rates

APR*
(as low as)		 Loan Amount** Max. Term
(months)		 RV Age
6.50% $0 – $25,000.00 84 2004 – 2015
6.50% $25,001.00 – $50,000.00 120 2004 – 2015

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

New Other Collateral Loan Rates

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

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

Used Other Collateral Loan Rates

APR*
(as low as)		 Max. Term
(months)		 Vehicle Age
6.99% 48 2007 – 2015
7.24% 60 2007 – 2015
7.99% 72 2007 – 2015
8.49% 84 2007 – 2015

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

Credit Cards

Visa Credit Card Rates

Visa® Product APR*
(as low as)		 Daily Periodic Rate
Visa® Diamond Cash Back 12.25% 0.03356%
Visa® Platinum 9.25% 0.02534%
Share Secured Visa® Credit Card 9.25% 0.02534%

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

Home Equity Loans

Fixed Home Equity Rates

Loan Type APR*
(as low as)		 Loan Amount Term
(up to)
Home Equity Fixed 4.75% $10,000.00+ 120
Home Equity Fixed 5.75% $0 – $5,000.00 60
Home Equity Fixed 5.25% $150,000.00+ 240
Home Equity Fixed 4.75% $5,000.00+ 96
Home Equity Fixed 5.00% $15,000.00+ 180

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

Home Equity Line of Credit Rates

Loan Type APR*
(as low as)		 Term
(up to)
Home Equity Line of Credit 5.25% 180

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

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.

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.

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.

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.