Rates — Discover the best rates aroundChecking Savings CDs Credit Cards Vehicle Loans Home Loans Personal Loans No monthly fees Low minimum balances 5 minutes or less to apply online SmartPlus Savings 5.00% APY*On the first $0 - $500. Notes and fees Learn More Explorer Youth Savings 5.00% APY*On the first $0 - $500. Notes and fees Learn More 30+ community debit cards to choose from. Select any checking account and choose one of 30+ debit cards that give back to the community when you spend. We have given over $450,000 back to the community through Gesa’s Affinity Debit Card Program. Learn more