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Promotions –

Give yourself the gift of lower auto payments

Rates as low as 5.24% APR* when you move your loan to Gesa

You give a lot to your car. This season, it can return the favor!
  1. Move your auto loan to Gesa for rates as low as 5.24% APR*
  2. Enjoy your holidays with no payments for 120 days
  3. With the money you’ll save, you could pay off your loan sooner
Shop around and compare, but don’t let these rates pass you by—they are only available for a limited time and are subject to change. It’s normal to have questions, and we can help! Call us at (888) 946‑4372, or visit any branch.
Lock in your rate

Notes and Fees

*APR = Annual Percentage Rate. Offer valid for auto loans currently financed through other financial institutions only and not available for new purchases. Cash out refinances from other institutions and own title loans are acceptable. Auto loans must be at least 90 days old in order to refinance with Gesa. Existing loans financed through Gesa are not eligible for this promotion. In order to qualify for the lowest rate of 5.24% and no payments for 120 days with interest continuing to accrue during this time, you must meet certain credit criteria and have relationship pricing. Relationship pricing includes 0.25% discount for having a Gesa checking account, and 0.50% discount for having a Gesa Visa® credit card. Additionally, rate includes 0.25% discount for autopay transfer from a checking or savings account at the time the loan is originated by members who refinance with Gesa. Not all members will qualify. Ineligible Collateral: Vehicles greater than one ton, any vehicles or collateral titled as commercial or intended for commercial use. No salvage vehicles, branded titles, lemon-law buy-backs, straw purchases, or vehicles/motorcycles over 125,000 miles. All loans subject to approval. Contact Gesa Credit Union for details.

Auto Refinance Promotion
Routing Number: 325181248
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Gesa Credit Union
51 Gage Blvd. Richland, WA 99352

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51 Gage Blvd.
Richland, WA 99352

(888) 946-4372

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With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.

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On select checking accounts!

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Applying should only take a few minutes. Please have these documents ready:

  • Social Security Number (SSN)
  • Color copy of driver's license, state ID, or US Passport
  • Contact info
  • Opening deposit by debit card or e-transfer*
    *Credit cards are not accepted.
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Notes & Fees Glossary

 Disclaimer
*APY* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of the first day of the month – the last dividend declaration date.
SmartPlus Checking*To earn the higher rate, you must:
  1. Enroll in eStatements
  2. Make a monthly direct deposit of over $200
  3. Complete 15 debit card transactions
  4. Provide and maintain a valid email address
  5. Limit one account per member
For any month where the account does not meet the qualification requirements, the account will earn a lower rate. Minimum balance of $5 needed to open.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 (Smart Plus Checking) per member.

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