View the IRAÂ Conversion Factsheet.
Checking and savings —
IRA Accounts and Certificates
Start saving today for a retirement full of possibilities!
- Gesa's IRA savings and certificate accounts are insured by the NCUA
- Insured up to $250,000 and separately from other savings accounts
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. There is no minimum balance requirement to earn stated APY on IRA Savings. Fees may reduce earnings on the account.
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 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 Savings and IRA Certificate Rates
| Term (months) | APY* (min. balance $500.00) | APY* (min. balance $50,000.00) | APY* (min. balance $100,000.00) |
|---|---|---|---|
| 12 | |||
| 18 | |||
| 24 | |||
| 30 | |||
| 36 | |||
| 48 | |||
| 60 | |||
| 84 |
Term (months) |
APY* (min. balance $500.00) |
APY* (min. balance $50,000.00) |
APY* (min. balance $100,000.00) |
|---|---|---|---|
| 12 | |||
| 13 | |||
| 18 | |||
| 24 | |||
| 25 | |||
| 30 | |||
| 36 | |||
| 48 | |||
| 60 | |||
| 84 |
| Account Type | Term (months) |
APY* | Min. Deposit |
|---|---|---|---|
| IRA Savings | — | $100.00 |
IRA Bump Certificate Rates
| Term (months) | APY* (min. balance $500.00) | APY* (min. balance $50,000.00) | APY* (min. balance $100,000.00) |
|---|---|---|---|
| 12 | |||
| 24 | |||
| 36 | |||
| 48 | |||
| 60 |
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
Routing Number: 325181248
51 Gage Blvd. Richland, WA 99352
Federally insured by NCUA
Equal Housing Opportunity
Co-op Shared
Branch
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Up to 5.00% APY
On select checking accounts!
Routing Number 325181248
We have upgraded to a new account opening process. Click Get Started to continue.
Getting started is easy!
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
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Opening deposit by debit card or e-transfer*
*Credit cards are not accepted.
Call (888) 946-4372 or apply at a branch
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Use your online banking log-in to pre-fill your application with saved information.
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:
|