Education, our passion. Giving back, our promise.
PLAN AHEAD. From 5 pm, October 30 through the morning of November 2, our team will be working hard to migrate your information and accounts into Gesa's systems as part of our merger. Our Member Contact Center, Digital Banking, and Mobile Banking will be unavailable during this transfer. Our Member Contact Center and branches will reopen on November 2. There's always the chance it will take longer than expected, in which case some services may not be available until the transfer is complete. Thank you for your patience as we go through this exciting update together.
Education, our passion. Giving back, our promise.
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Highlights of the rates, fees, and charges applicable to your account at Inspirus Credit Union, a Division of Gesa Credit Union are provided in the summary below. For a complete listing (including account terms and Truth-In-Savings Account Disclosure), please visit inspirusCU.org or call 888-628-4010 to request a copy of our Rate and Fee Schedule.
Qualifying Accounts with Direct Deposit/Payroll Deduction & eStatements; Youth accounts with eStatements
Qualifying Accounts with Direct Deposit/Payroll Deduction & eStatements; Youth accounts with eStatements
* Opening deposit waived for members using direct deposit.
** All members who make direct or payroll deduction deposits to their savings account or checking account and receive eStatements for those accounts will earn 4.00% APY on any amount up to $500 in their savings and checking accounts. For amounts over that, they’ll continue to earn the credit union’s regular competitive rates. The benefit will be limited to one savings and one checking account receiving eStatements and direct deposit/payroll deduction per primary account holder. For members with multiple savings and checking accounts, the rate will be applied to the accounts that have been open the longest. Youth accounts and e-Visions qualify without automated deposits. Specialty accounts like IRAs and UTTMA trusts are ineligible. Terms and conditions of this program are subject to change without notice. This promotion may be discontinued at the credit union’s discretion. Rates, terms, and fees are subject to change after account opening. APY is accurate as of the last dividend declaration date. Fees may reduce earnings.
† Rates, terms, and fees are subject to change after account opening. APY is accurate as of the last dividend declaration date. Fees may reduce earnings.
*APY = Annual Percentage Yield. To open a certificate, you must establish and maintain membership by opening a savings account.
The APY assumes interest remains on deposit until maturity. Interest compounded and credited monthly. Certificates are subject to an interest penalty for early withdrawal of the principal balance. Fees may reduce earnings. Rates may change at any time at the discretion of the Credit Union. For a complete listing (including account terms and Truth-In-Savings Account Disclosure), please call 888.628.4010 to request a copy of our Rate and Fee Schedule.
*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of the last dividend declaration date.
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. You must maintain an average daily balance of $2,500 in your account to avoid a service fee of $10.00 per month. 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.
*APR = Annual Percentage Rate. Rate requires an Inspirus Checking or Visa account; otherwise add 0.50% APR. Rate shown also includes 0.25% APR discount for automatic payments. Although the credit union charges no fees for new auto loans or refinances from another institution, fees charged by third parties (including other financial institutions or agencies like the Department of Licensing) may apply. Rates range from 3.24% - 16.75% APR. The rate you receive is subject to your credit history, the age of the collateral, loan to value, and term of the loan. A 1% rate bump may be applied for vehicles over 100,000 miles. Rates subject to change at any time.
Ineligible Collateral: No salvage vehicles, branded titles, lemon-law buy-backs, or vehicles with over 125,000 miles.
Example: On a $20,000 vehicle loan at 2.74% APR, you would make 60 monthly payments of $357.07.
Some restrictions and fees may apply for refinances.
*APR = Annual Percentage Rate.Rate requires an Inspirus Checking or Visa account; otherwise add 0.50% APR. Rate shown also includes 0.25% APR discount for automatic payments. Although the credit union charges no fees for new RV and boat loans, fees charged by third parties (including other financial institutions or agencies like the Department of Licensing) may apply. Some restrictions and fees apply on refinances. Rates range from 5.50%- 16.50% APR. The rate you receive is subject to your credit history, the age of the collateral, loan term, and loan to value. Rates offered are subject to change at any time.
Ineligible Collateral: No salvage vehicles, branded titles, lemon-law buy-backs, or vehicles with over 100,000 miles.
Example: On a $40,000 recreational vehicle loan at 8.50% APR, you would make 120 monthly payments of $495.94.
Some restrictions and fees may apply for refinances.
*APR = Annual Percentage Rate.
Additional Information: This includes street legal motorcycles, ATV, Utility Trailer, & Misc. Rates include a 0.25% discount for automatic payments from a checking or savings account. Although the credit union charges no fees for other collateral loans, fees charged by third parties (including other financial institutions or agencies like the Department of Licensing) may apply. Some restrictions and fees apply on refinances. Rates range from 6.49% - 15.49% APR. The rate you receive is subject to your credit history, the age of the collateral, loan term, and loan to value. Rates offered are subject to change at any time.
Ineligible Collateral: No salvage vehicles, branded titles, or lemon-law buy-backs.
Example: On a $20,000 other collateral loan at 7.99% APR, you would make 84 monthly payments of $311.62.
Some restrictions and fees may apply for refinances.
*APR = Annual Percentage Rate Includes a 0.25% discount for automatic transfer from a checking or savings account.
Example: On a $20,000 personal loan at 9.90% APR, you would make 60 monthly payments of $423.96.
*APR = Annual Percentage Rate.
Example: Monthly principal and interest payment of $175.68 on a $10,000 loan at 2.09% with a term of 60 months.
*APR = Annual Percentage Rate. The APR for which you may qualify is based on your credit qualifications. A cash advance fee of 2.5% with a minimum of $5.00 may be assessed on the advanced amount.
Minimum monthly payment for the Platinum and Signature credit cards is 2% of the outstanding balance or $30, whichever is greater.