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Summer Essentials

Summer Essentials.

Summer Essentials

With higher rewards on deposits and lower rates on loans and credit cards, Inspirus has what you need to check off your summer bucket list items with these limited time specials.

ADDvantage Checking

Earn $501 with a new ADDvantage Checking account.

Open an Account

CD Special

Reach earnings faster with a 0.77% APY2 7-month Consumer CD.

Open a Certificate

Boat and RV Loans

Hit the water or road with family and friends this summer with rates as low as 2.99% APR3 on recreational vehicles.

Apply for a Loan

Auto Loan Refinance

Lower your car payment with refinance rates as low as 1.99% APR4 and no payments for 90 days.

Apply to Refinance

Inspirus Visa® Platinum Credit Card

Enjoy 0% APR5 introductory rate on purchases and balance transfers.

Apply for a Credit Card

The Fine Print

1 Beginning July 6, 2020 for a limited time only, a $50 incentive will be paid to members who open a new Inspirus ADDvantage Checking account. To be eligible for the incentive, direct deposit or payroll deduction and enrollment in eStatements required. All qualification criteria must be met within 60 days of account opening. $50 incentive will be deposited into member’s savings account after all qualification criteria are met and is subject to any required IRS reporting. Only one $50 checking incentive per member. Member must not have had an Inspirus checking account within the last 90 days. Member must not be a current Gesa Credit Union checking account holder.

2APY = Annual Percentage Yield. A $500 minimum deposit is required for certificates. Maximum deposit of $50,000 per member. Early withdrawal penalties may apply and may reduce earnings. Please visit inspirusCU.org for more information on applicable fees and terms. Certificate rate is for a limited time only and could end at any time. Stated rate as of July 6, 2020 and is subject to change.

3APR (Annual Percentage Rate). Rates as low as 2.99% APR (60 month). To be eligible for the promotional rate, member must have an Inspirus checking account or Inspirus Visa® credit card. Rate includes 0.25% discount for auto transfer from a checking or savings account at the time the loan is originated. Rate dependent on credit qualifications. Not all applicants will qualify. Higher rates may be charged based on credit qualifications. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Rates are accurate as of July 6, 2020. Rates, fees, and terms subject to change without notice and subject to credit approval. Includes a $75 documentation processing fee. Ineligible Collateral: Salvage vehicles, branded titles, lemon law buybacks, or vehicles with over 125,000 miles. Payment Example for New & Used Marine/RV: Fixed Rate at 60 months term, $18 a month per $1,000 based on a 5 year loan at 2.99% APR.

4APR = Annual Percentage Rate. Rate includes 0.50% discount for member having an Inspirus checking account or Inspirus Visa® credit card and 0.25% discount for automatic payments setup from a checking or savings account at the time the loan is originated. Rates, terms, and offer are accurate as of July 6, 2020 and subject to change. Rate dependent on credit qualifications and loan term selected. All loans are subject to Inspirus lending policies, collateral requirements, and loan-to-value guidelines. Some exclusions apply for automobiles that have more than 115,000 miles or are more than seven model years old. Promotional rates apply only to vehicle loans that are new to Inspirus; existing Inspirus vehicle loans do not qualify. Ninety day no payment option available to qualified borrowers for a limited time only. Interest will begin to accrue the date the loan is funded. Contact Inspirus for full program details.

5APR (Annual Percentage Rate). Offer valid on new Visa® Platinum credit card account only. For qualifying new accounts, introductory rate is valid for all purchase transactions for 6 months from the date the account is opened, and balance transfer rate is valid for 12 months from the date of the first qualifying balance transfer if completed within the first 60 days the account is opened. After introductory or balance transfer periods have concluded, the APR will return to the regular rate and monthly periodic rate as specified in the Card Agreement. The APR is a variable rate that is based on the Prime Rate as published in the Wall Street Journal. For additional information about rates and fees associated with the use of the Visa® Platinum credit card, please visit inspirusCU.org/credit-cards