Rates

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.

Dividends on an ADDvantage Checking Account will be compounded and credited to a member's account each month. Dividends are calculated using the daily balance method. 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 (Colossal or ADDvantage) per member.

Dividends on Student Checking Accounts are calculated using the daily balance method. Dividends will be credited to the member's account every month. Rate may change after the account is opened. If you close your account before dividends are paid, you will not receive the accrued dividends. The minimum balance to open an account is $5.00, the par value of a share. Courtesy Pay is not offered on Student Checking Accounts. Only electronic transactions such as debit card or ACH transactions are permitted. APY is accurate as of 11/1/2020. Fees could reduce earnings on the accounts.

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 11/1/2020. 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.

Dividends on an ADDvantage Savings Account will be compounded and credited to a member's account each month. Dividends are calculated using the daily balance method. 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 ADDvantage Savings account per member.

APY is accurate as of 11/1/2020 and applies to the first $500 deposited in a qualifying Explorer Savings account. Balances over $500 earn 0.05% APY. Rates may change after the account is opened. Age Eligibility: 0-13 years. Account automatically changes to Student Savings account at age 14. No monthly fees and no minimum balance required to open or maintain account. Limit of one Explorer Savings account per member. Fees could reduce earnings.

Dividends on Student Savings Accounts are calculated using the daily balance method. Dividends will be credited to the member's account every month. Rate may change after the account is opened. If you close your account before dividends are paid, you will not receive the accrued dividends. The minimum balance to open an account is $5.00, the par value of a share. APY is accurate as of 11/1/2020. Fees could reduce earnings on the accounts.

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.

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.

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 11/1/2020.

Payment Example – New Auto Loan: fixed rate; terms to 60 months. $17.85 a month per $1,000 based on a 5 year loan at 2.74% APR.

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 11/1/2020.

Payment Example – Used Auto Loan: fixed rate; terms to 60 months. $17.85 a month per $1,000 based on a 5 year loan at 2.74% APR.

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 11/1/2020.

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

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 11/1/2020.

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

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 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 11/1/2020.

Payment Example – Other New Collateral Loan: fixed rate; terms to 60 months. $19.68 a month per $1,000 based on a 5 year loan at 6.74% APR.

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 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 11/1/2020.

Payment Example – Other Used Collateral Loan: fixed rate; terms to 60 months. $19.68 a month per $1,000 based on a 5 year loan at 6.74% APR.

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

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 or the following counties in Idaho: Benewah, Bonner, Boundary, Clearwater, Kootenai, Latah, Lewis, Nez Perce or Shoshone. An appraisal may be required at the cost of the member. Loan value restrictions apply. Minimum loan amount is $20,000. All rates and terms offered are dependent on credit qualification, are subject to loan to value guidelines, and are subject to change. Contact Gesa Credit Union for full program details.

Payment Example – Fixed Home Equity Loan: fixed rate; terms to 60 months. Payment of $361.60 a month based on a 5 year, $20,000 loan at 3.250% APR.

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 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 per $1,000 based on a 2 year loan at 6.75% APR.

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

Minimum Payment amount of $50.

Payment Example – Share-Secured: fixed rate; term to 60 months. $18.33 a month based per $1,000 on a 5 year loan at 3.80% APR.