The Gesa Credit Union is a student loan from Gesa Credit Union. The ongoing APR is Fixed 5.24% - 9.75% APR; variable 5.74% - 11.75% APR (rates include a 0.25% autopay discount). Typical credit limit: Borrow up to $75,000. Loan terms: Interest-only payments while in school, defer principal and interest until six months after graduation, or full payments while in school.