Important Notice

  • Due to system maintenance, and Xpress Digital Banking will be unavailable beginning on Wednesday, August 12 at 11:30 p.m. until Thursday, August 13 at 12:30 a.m. We apologize for the inconvenience and thank you for your membership in Gesa Credit Union.

Summer Essentials: Checking and Certificate Specials

Summer Essentials

With higher rewards on deposits and lower rates on loans and credit cards, Gesa has what you need to check off your summer bucket list items with these limited time specials.

Colossal Checking

Earn $150¹ with a new Colossal Checking account.


Consumer and IRA CD

Reach earnings faster with a 0.77% APY² 7-month Consumer or IRA CD.


Boat and RV Loans

Hit the water or road with family and friends this summer
with rates as low as 2.99% APR³.


Auto Loan Refinance

Lower your car payment with refinance rates as low as 1.99% APR⁴
and no payments for 90 days.


Gesa Visa® Credit Cards

Enjoy 0% APR⁵ introductory rate on purchases and balance transfers.



¹Beginning July 6, 2020 for a limited time only, a $150 incentive will be paid to members who open a new Gesa Colossal Checking account. To be eligible for the incentive, you must also enroll in Xpress Digital Banking, sign-up to receive electronic statements, complete 18 Gesa Visa® debit card transactions (ATM transactions excluded), receive one ACH deposit of $250.00 or more, and deposit one item using Remote Capture. All quali­fication criteria must be met within 60 days of account opening. $150 incentive will be deposited into member’s savings account after all qualifi­cation criteria are met and is subject to any required IRS reporting. Only one $150 checking incentive per member. Member must not have had a Gesa checking account within the last 90 days. Member must not be a current Inspirus Credit Union checking account holder.

² APY = Annual Percentage Yield. A $500 minimum deposit is required for consumer and IRA certificates. Maximum deposit of $50,000 per member. Early withdrawal penalties may apply and may reduce earnings. Please visit for more information on applicable fees and terms. Consumer and IRA certificate rate is for a limited time only and could end at any time. Stated rate accurate as of July 6, 2020 and is subject to change.

³ APR = Annual Percentage Rate. Rates as low as 2.99% APR (60 months). To be eligible for the promotional rate, member must have a Gesa checking account or Gesa Visa® credit card. Rate includes 0.25% discount for auto transfer from a checking or savings account at the time the loan is originated. Rate dependent on credit quali­fications. Not all applicants will qualify. Higher rates may be charged based on credit quali­fications. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Rates are accurate as of July 6, 2020. Rates, fees, and terms subject to change without notice and subject to credit approval. Includes a $75 documentation processing fee. Ineligible Collateral: Salvage vehicles, branded titles, lemon law buybacks, or vehicles with over 125,000 miles. Payment Example for New & Used Marine/RV: Fixed Rate at 60 months term, $18 a month per $1,000 based on a 5 year loan at 2.99% APR.

⁴ APR = Annual Percentage Rate. Rate includes 0.50% discount for member having a Gesa checking account or Gesa Visa® credit card and 0.25% discount for automatic payments setup from a checking or savings account at the time the loan is originated. Rates, terms, and o‑er are accurate as of July 6, 2020 and subject to change. Rate dependent on credit quali­cations and loan term selected. All loans are subject to Gesa lending policies, collateral requirements, and loan-to-value guidelines. Some exclusions apply for automobiles that have more than 115,000 miles or are more than seven model years old. Promotional rates apply only to vehicle loans that are new to Gesa; existing Gesa vehicle loans do not qualify. Ninety day no payment option available to quali­ed borrowers for a limited time only. Interest will begin to accrue the date the loan is funded. Contact Gesa for full program details.

⁵ APR = Annual Percentage Rate. Offer valid on new Visa® Diamond Cash Back, Visa® Platinum, and Visa® Share Secured credit card accounts only. For qualifying new accounts, introductory rate is valid for all purchase transactions for 6 months from the date the account is opened, and balance transfer rate is valid for 12 months from the date of the first qualifying balance transfer if completed within the first 60 days the account is opened. After introductory or balance transfer periods have concluded, the APR will return to the regular rate and monthly periodic rate as specified in the Card Agreement. The APR is a variable rate that is based on the Prime Rate as published in the Wall Street Journal. For additional information about rates and fees associated with the use of the Visa® Diamond Cash Back, Visa® Platinum, and Visa® Share Secured credit cards, please visit