Motorcycles, other vehicles, and equipment —

What is your dream?

Imagine yourself in your new or used ATV, snowmobile, horse trailer, camper, or toy hauler. You choose how you want to spend your days, doing whatever you love, and we’ll help you with the loan.

Loan rates that don’t break the bank

For new other collateral loan rates

For used other collateral loan rates

For new other collateral loan rates

For used other collateral loan rates

Notes and Fees

* APR = Annual Percentage Rate.

Rates, terms, and fees are subject to change

** Maximum loan amount is $100,000.

Rates are effective as of .

Rate includes 0.25% discount for member having a Gesa checking account and 0.50% for having a 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. On other used collateral loans, we will finance 100% of retail book plus tax, license, GAP, MBP, and debt protection. Includes a $150 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.

Payment Example – Other New or 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.

Stroll into the showroom with a pre-approved loan

Within minutes you can be pre-approved online or over the phone, so you’ll be ready to drive into the sunset when you find the new or used vehicle of your dreams. Our rates are always affordable for new or used vehicles, even for first-time buyers.

Gesa to Go Partner Dealers

With Gesa to Go, you can enjoy the convenience of fast loan approval at participating auto, RV, and marine dealerships. It’s just one more way we offer convenient loan service for our members.

Find a Gesa to Go Dealer

Why hit the road with Gesa?

Advocates for you
Great rates that beat the big banks
Pre-approved in minutes
Get the best possible financing with our First Time Auto Buyer program
Rate discounts with a Gesa checking account and a Gesa Visa credit card
Flexible terms and trusted know-how

Still have questions?

How do I make a payment?

You can make a payment in two easy ways:

With a Gesa account
With a non-Gesa account

Learn more about how to make loan payments.

Make a Payment – easy ways to pay

Where can I order loan coupon books?

Click the link to learn more about coupon books:

Order Loan Coupon Book

How do I skip a payment?

Click the link to learn more about skipping a payment:

Skip a Payment

Still have questions?

Routing Number: 325181248

51 Gage Blvd. Richland, WA 99352

Investment services

Website Accessibility

LPL Financial Form CRS

Federally insured by NCUA

Equal Housing Opportunity

Co-op Shared
Branch

Notes & Fees Glossary

entries per page

Search:

	Disclaimer

	Disclaimer
SmartPlus Checking	[APY] Minimum opening balance of $25 required if the account is opened online. In order to earn APY and receive unlimited domestic ATM fee refunds, you must meet the following requirements during each monthly qualifying period: provide and maintain valid email address, apply for and use your Visa debit card to make 15 debit card transactions that post and settle to your account, have at least one direct deposit of $200 or more post to your account, and enroll to receive eStatements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY will apply to the entire balance. Dividends on a SmartPlus 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 must meet minimum requirements. 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. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. No monthly fees and no minimum balance required to open or maintain account unless opened online. Fees could reduce earnings on the account. Limit of one SmartPlus Checking account per member. APY is accurate as of , the last dividend declaration date.	A7KD4W9LQXZT
Smart Checking	*There is a minimum opening balance requirement of $25.00 if the account is opened online. Regular users of Gesa’s electronic services may want to consider SmartPlus Checking for additional benefits. [Courtesy Pay]	M3VY82CNRLKP
Student Checking	[APY] Dividends on Student Checking Accounts are calculated using the daily balance method and 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. Fees could reduce earnings on the accounts.	JXZ7V5MWLQ92
Smartplus Savings	[APY] In order to earn a high dividend rate, you must meet the following requirements during the qualifying monthly period: a) provide and maintain a valid email address; and b) be enrolled to receive e-statements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY would apply to the entire balance. Dividends on an SmartPlus 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 must meet minimum requirements. 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. Limited to one SmartPlus Savings account per member.	P9T6QF2XJBLC
Smart Savings	[APY] Dividends on Smart Savings are calculated using the daily balance method and are paid monthly. Rate may change after the account is opened. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings on the account.	Y4MKZ3WVTPQ8
High-Yield Savings	[APY] Dividends on the High Yield Savings account are calculated using the daily balance method and are paid monthly. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings.	NDLXQ98R5VTE
Money Market	[APY] 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 $2,500.00. There is a minimum average daily balance of $2,500.00 required to avoid a service fee for the calendar month. If the minimum average daily balance requirement is not met, you will be charged a service fee as stated in the Consumer Fee Schedule. 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.	GQ37ZVKY1WLM
Fixed Certificate	[APY] A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to open the certificate is stated in the chart. Early withdrawal penalties apply (a penalty may be imposed for withdrawals before maturity): If your account has an original maturity (term) of less than 12-months: The penalty will equal 90 days interest on the amount withdrawn subject to penalty. If your account has an original maturity (term) of 12-months or more – up to, but less than 36-months: The penalty will equal 180 days interest on the amount withdrawn subject to penalty. If your account has an original maturity of 36-months or more – up to, but less than 48-months: The penalty will equal 365 days interest on the amount withdrawn subject to penalty. If your account has an original maturity of 48-months or greater: The penalty will equal 540 days interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. For any account which earns an interest rate that may vary during the term such as a bump certificate, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal. You may make withdrawals of principal from your account before maturity. In making such withdrawals, your balance may not fall below the minimum or we will close your account. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest only on the crediting dates without penalty. A $500 minimum deposit is required for consumer, IRA, and business certiﬁcates. Early withdrawal penalties may apply and may reduce earnings. Certiﬁcate rate is for a limited time only and could end at any time. Stated rate as of the first day of the month.	H85PLKJXZ2QM
Bump Certificate	[APY] A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to open the certificate is stated in the chart. The Certificate owner must contact Gesa Credit Union to request the one-time rate increase on Bump Certificate accounts. The rate on the Bump Certificate will be changed on the following business day of the date Gesa Credit Union receives the request. The bump option can only be exercised once during the term of the Certificate and does not increase the term of the certificate. The new interest will not be applied retroactively. The new interest rate will be the interest rate we are then offering on regular certificates (non- bump rate certificates) that have the same term and minimum balance. Bump Certificates are only available for consumer and IRA Certificates. Early withdrawal penalties will apply. Minimum deposit balance must be maintained to earn APY and fees may reduce earnings on the account. Special offer for a limited time only.	RXNQ72MLYV9C

Showing 1 to 9 of 9 entries

APR^* (as low as)	Loan Amount**	Max Term	Vehicle Age
	No Minimum	48	2021+
	No Minimum	60	2021+
	No Minimum	72	2021+
	$20,000 +	84	2021+

APR^* (as low as)	Loan Amount**	Max Term	Vehicle Age
	No Minimum	48	2012 – 2020
	No Minimum	60	2012 – 2020
	No Minimum	72	2012 – 2020
	$20,000 +	84	2012 – 2020

Banking made for you.

We're in the business of growing yours.

People helping people.

In the Community

About Gesa

Help when you need it.

Resources

Quick Links

Banking made for you.

We're in the business of growing yours.

People helping people.

In the Community

About Gesa

Help when you need it.

Resources

Quick Links

Motorcycles, other vehicles, and equipment —

What is your dream?

Loan rates that don’t break the bank

Notes and Fees

Stroll into the showroom with a pre-approved loan

Gesa to Go Partner Dealers

Find a Gesa to Go Dealer

Why hit the road with Gesa?

Still have questions?

Routing Number: 325181248

51 Gage Blvd. Richland, WA 99352

Help when you need it.

Resources

Quick Links

People helping people.

In the Community

About Gesa

We're in the business of growing yours.

Banking made for you.

Getting started is easy!

Already a member?

Notes & Fees Glossary

* * * * *

Ongoing Scam Alert:
Fraudsters Are Actively Calling Members

Banking made for you.

We're in the business of growing yours.

People helping people.

In the Community

About Gesa

Help when you need it.

Resources

Quick Links

Motorcycles, other vehicles, and equipment —

What is your dream?

Loan rates that don’t break the bank

Notes and Fees

Stroll into the showroom with a pre-approved loan

Gesa to Go Partner Dealers

Find a Gesa to Go Dealer

Why hit the road with Gesa?

Still have questions?

Routing Number: 325181248

51 Gage Blvd. Richland, WA 99352

You are leaving gesa.com

We are redirecting you to an external website

Help when you need it.

Resources

Quick Links

People helping people.

In the Community

About Gesa

We're in the business of growing yours.

Banking made for you.

Getting started is easy!

Already a member?

Notes & Fees Glossary

* * * * *

Ongoing Scam Alert:Fraudsters Are Actively Calling Members

Ongoing Scam Alert:
Fraudsters Are Actively Calling Members