# Gesa Credit Union CD and share certificate rates

As of October 22, 2026, Gesa Credit Union's highest CD (share certificate) rate is 4.50% APY on a 17-month CD ($500 minimum). That is 2.6 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.60% to 4.50% APY.

Canonical page: https://apyledger.com/cd-rates/gesa-credit-union
Institution: Gesa Credit Union (NCUA 68278)
Aliases: Gesa
Status: live
Last verified: 2026-10-22T06:59:38.000Z (October 22, 2026)
Official source: https://www.gesa.com/rates/
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Fixed CD | standard | 3 months | $100,000 | 3.30% | Not ZIP-priced | −1.00% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 3 months | $50,000 | 3.15% | Not ZIP-priced | −1.15% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 3 months | $500 | 3.00% | Not ZIP-priced | −1.29% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 6 months | $100,000 | 3.60% | Not ZIP-priced | −0.80% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 6 months | $50,000 | 3.45% | Not ZIP-priced | −0.95% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 6 months | $500 | 3.30% | Not ZIP-priced | −1.10% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 12 months | $100,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 12 months | $50,000 | 3.85% | Not ZIP-priced | −0.72% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 12 months | $500 | 3.70% | Not ZIP-priced | −0.87% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Bump CD | standard | 12 months | $100,000 | 3.60% | Not ZIP-priced | −0.97% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Bump CD | standard | 12 months | $50,000 | 3.45% | Not ZIP-priced | −1.12% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Bump CD | standard | 12 months | $500 | 3.30% | Not ZIP-priced | −1.27% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 17 months | $500 | 4.50% | Not ZIP-priced | −0.19% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 17 months | $50,000 | 4.50% | Not ZIP-priced | −0.19% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 17 months | $100,000 | 4.50% | Not ZIP-priced | −0.19% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 18 months | $100,000 | 4.10% | Not ZIP-priced | −0.62% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 18 months | $50,000 | 3.95% | Not ZIP-priced | −0.77% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 18 months | $500 | 3.80% | Not ZIP-priced | −0.92% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 24 months | $100,000 | 3.80% | Not ZIP-priced | −1.07% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 24 months | $50,000 | 3.65% | Not ZIP-priced | −1.22% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 24 months | $500 | 3.50% | Not ZIP-priced | −1.37% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Bump CD | standard | 24 months | $100,000 | 3.40% | Not ZIP-priced | −1.47% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Bump CD | standard | 24 months | $50,000 | 3.25% | Not ZIP-priced | −1.62% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Bump CD | standard | 24 months | $500 | 3.10% | Not ZIP-priced | −1.77% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 30 months | $100,000 | 3.00% | Not ZIP-priced | −1.91% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 30 months | $50,000 | 2.85% | Not ZIP-priced | −2.06% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 30 months | $500 | 2.70% | Not ZIP-priced | −2.21% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 36 months | $100,000 | 3.25% | Not ZIP-priced | −1.70% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 36 months | $50,000 | 3.05% | Not ZIP-priced | −1.90% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Bump CD | standard | 36 months | $100,000 | 3.00% | Not ZIP-priced | −1.95% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 36 months | $500 | 2.85% | Not ZIP-priced | −2.10% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Bump CD | standard | 36 months | $50,000 | 2.80% | Not ZIP-priced | −2.15% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Bump CD | standard | 36 months | $500 | 2.60% | Not ZIP-priced | −2.35% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 48 months | $100,000 | 3.25% | Not ZIP-priced | −1.73% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 48 months | $50,000 | 3.05% | Not ZIP-priced | −1.93% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Bump CD | standard | 48 months | $100,000 | 3.00% | Not ZIP-priced | −1.98% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 48 months | $500 | 2.85% | Not ZIP-priced | −2.13% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Bump CD | standard | 48 months | $50,000 | 2.80% | Not ZIP-priced | −2.18% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Bump CD | standard | 48 months | $500 | 2.60% | Not ZIP-priced | −2.38% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 60 months | $100,000 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 60 months | $50,000 | 3.05% | Not ZIP-priced | −1.96% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Bump CD | standard | 60 months | $100,000 | 3.00% | Not ZIP-priced | −2.01% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 60 months | $500 | 2.85% | Not ZIP-priced | −2.16% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Bump CD | standard | 60 months | $50,000 | 2.80% | Not ZIP-priced | −2.21% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Bump CD | standard | 60 months | $500 | 2.60% | Not ZIP-priced | −2.41% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 84 months | $100,000 | 3.25% | Not ZIP-priced | −1.84% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 84 months | $50,000 | 3.05% | Not ZIP-priced | −2.04% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |
| Fixed CD | standard | 84 months | $500 | 2.85% | Not ZIP-priced | −2.24% | 2026-10-22T06:59:38.000Z | [Snapshot 150](https://apyledger.com/snapshots/150) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.