Checking and savings —

IRA Accounts and Certificates

Start saving today for a retirement full of possibilities!

At Gesa, we offer a choice between IRA Savings Accounts and IRA Certificate Accounts.

Gesa's IRA (Individual Retirement Account) savings accounts and certificate accounts are insured by the NCUA
Insured up to $250,000 and separately from other savings accounts
Provides peace of mind that your money will be there when you need it
Interest credited to your account every month and at maturity

Visit a Gesa Branch to get started today.

Notes & Fees

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change after account opening. Stated rate as of the first day of the month, , the last dividend declaration date.

IRA Savings Account: Rate may change after the account is opened. Dividends on IRA Savings are calculated using the daily balance method and will be credited to a member’s account quarterly. There is no minimum balance requirement to earn stated APY on IRA Savings. Fees may reduce earnings on the account.

IRA Certificates: Early withdrawal penalties will apply and may reduce earnings. Minimum opening deposit balance must be maintained to earn APY and fees may reduce earnings on the account. Certificate rates are for a limited time only. Stated rates are as of the first of the month are subject to change.

IRA Fixed CD

IRA Bump CD

IRA Savings

IRA Promo Rates

IRA Fixed CD

Loading Rates

IRA Bump CD

IRA Savings

IRA Promo Rates

Limited IRA Certificate Rates

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Term (months)	APY^* (min. balance $500.00)	APY* (min. balance $50,000.00)	APY* (min. balance $100,000.00)
7
13
17

IRA Certificate Rates

Term (months)	APY^* (min. balance $500.00)	APY* (min. balance $50,000.00)	APY* (min. balance $100,000.00)
6
12
18
24
30
36
48
60
84

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IRA Bump Certificate Rates

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Term (months)	APY^* (min. balance $500.00)	APY* (min. balance $50,000.00)	APY* (min. balance $100,000.00)
12
24
36
48
60

IRA Savings Account

APY^*	Minimum Opening Deposit
	$100

Retirement Central^®

Plan efficiently today and live comfortably in your golden years. Access a full suite of self-service retirement planning tools from our trusted partners at Ascensus.

You’ll find:

Interactive calculators to plan your savings
Frequently asked questions (FAQs)
Online forms for easy account management, including:
- Opening IRAs and HSAs
- Managing contributions and distributions
- Handling direct transfers and rollovers
- Designating beneficiaries