Gesa Credit Union

Overview / Commentary
51 Gage Blvd
Richland, WA 99352

Gesa Credit Union is headquartered in Richland and is the 3rd largest credit union in the state of Washington. It is also the 59th largest credit union in the nation. It was established in 1953 and as of December of 2022, it had grown to 702 employees and 285,115 members at 32 locations. Gesa Credit Union's CD rates are 11% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Gesa Credit Union is open to: (1) anyone who lives, works, worships, or attends school in the state of Washington; (2) residents of the Idaho counties of Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce, or Shoshone, (3) residents of the Oregon counties of Clackamas, Clatsop, Columbia, Gilliam, Hood River, Morrow, Multnomah, Sherman, Umatilla, Union, Wasco, or Washington, or (4) a close relative of anyone eligible for membership.
See current membership details

Reviews (8)

Gesa is great!

Posted by: |

I can't count the trouble I've had with big business banks over the years and I finally got fed up a few months ago. Many of my friends recommended credit unions to me and to be honest I never really knew what the difference was. Eventually a friend turned me onto Gesa Credit Union, telling me all the perks and advantages I would receive. The biggest thing I got was a peace of mind, no more worry about Bank of America or Washington Federal hassling me over every little thing. I walked into the Credit Union and they were warm, friendly, and nothing but helpful. They quickly set everything up for me and it was a complete breeze. I now recommend Gesa to everyone I know, even the people who aren't having problems with their current bank. This company is professional and actually cares about it's customers and leaves you knowing that your money is safe.

Customer Service For Home Loans Is A Joke

Posted by: |

I have called Gesa’s customer service line 6 times over the last 2 months and have gotten no real help. I hang up angry and frustrated every time. We have enough equity in our home to remove the PMI from our mortgage loan, so I called them to get started on that process. The first time I called they said they would send me something in the mail and I had to wait to receive that before I could move forward. I was a little surprised that it’s 2022 and this can’t be applied for online or even over the phone, but the information has to be sent in the mail. They said to call back once I received the packet, so I did. The packet said that if the house is worth the same amount that we paid for it, then we do not have enough equity to cancel PMI. The only way to cancel PMI would be to hire an appraiser through Gesa to show that the property has gone up in value enough that we have enough equity. We were fully aware of this and know that our equity is coming from a change in the market as well as improvements that we’ve made to the house. Our real estate agent did a current market analysis on the house and reassured us that the house is easily valued at a high enough price to give us the equity we need. The paperwork said that in our state it would probably cost $525 to hire an appraiser, but there are factors that play into it so the cost might be different depending on our situation. I called a second time to check and they said yes, it would cost us $525. I needed some time to budget the money so I said I would call back when I was ready to pay. I called a third time about a month later when I was ready to make the payment. The woman who answered the phone this time told me that an appraisal has already been ordered and nothing was due. She said my file said that they would take care of the appraisal and we didn’t have to pay anything. This sounded completely different than what I was told before so I questioned her. She sounded annoyed by me doubting her and assured me that all I needed to do was wait for an appraiser to call me to get the appraisal scheduled. I said ok and hung up, but was confused about why we now didn’t need to pay for the appraisal. I didn’t want to wait around for weeks for a call from an appraiser just to find out I was wasting my time because one was never ordered because we didn’t pay. So the next morning a called back again, for the fourth time. This time the person who answered told me that an appraisal had NOT been ordered and they would not order one until they received payment from us, and that the payment due was $150. I made the $150 payment and was told that once the payment went through we should hear from an appraiser, they will call us to get the appraisal scheduled. Once I saw the payment process through our account I called a fifth time to make sure that an appraisal was ordered and I wasn’t wasting my time waiting for nothing. This time I was assured that they had received the payment, so an appraisal was being ordered. They told me all I had to do was wait and an appraiser would reach out to me to get it scheduled. I waited 3 weeks and heard nothing. I called back today, my sixth time calling about this, to check the status and make sure the appraisal was ordered like they promised it had been. I was told that an appraisal was never ordered because we hadn’t payed the full $525, we had only paid $150 and we still owed $375. At this point I am in tears because I am so frustrated with all the back and forth and this has been such a giant waste of my time. Why wouldn’t they let me pay the $525 when I called to pay it over a month ago? When I tried to pay the $525, they wouldn’t let me and said it wasn’t needed, then they make me pay a smaller amount, then they tell me that because I haven’t paid the $525 they haven’t been able to go forward this whole time. They have been confusing, contradicting and entirely unhelpful. It is absolutely unbelievable to me how long it has taken for me to get absolutely nowhere in this process. I thought I would apply online, pay whatever I needed to pay and be done. Instead it has been a painfully long, drawn out, confusing nightmare. I just wish that I had straightforward answers from the beginning so I could have quickly done what needed to be done to get the ball rolling. Instead here I am, SIX phone calls and over TWO MONTHS later and I’ve gotten no where, just gone in circles. Gesa, PLEASE either make the information/application available online to take these steps to order the necessary appraisal in order to have PMI removed from your loan OR get your customer service department properly trained on the process because this has become completely RIDICULOUS.

Inept. 30 Yr Customer Finding New Bank

Posted by: |

??????The moment Inspirus credit Union changed to Gesa we’ve had NOTHING but trouble. My husband joined in 1981 but unfortunately you can’t expect a new company buyout to give the same amazing service.

MULTIPLE Failing’s to post our payments, failing to put my name on the account when we came IN PERSON driving 40 miles to sign up a new car loan and platinum card. When you attempt to bank by phone they ask no less than TEN security questions… just ridiculous. YOU CAN’T GIVE ME MONEY THROUGH THE PHONE, WTH is with the myriad of questions?!?! We’re going to find another hometown ‘family friendly’ credit Union, Gesa is Not It. We’re just thankful we waited and didn’t deposit the funds from the sale of our home. No telling how badly they would have mismanaged that amount of money. Don’t risk your excellent credit scores when this bank consistently fails. They’ve just lost very loyal customers with their ineptness??????
#GesaCreditUnion #gesa

Unbelievable Questioning On Phone

Posted by: |

I contacted GESA via phone simply to TALK to someone about a personal loan. To "verify" that I was a GESA customer I was asked at least 7 questions and frustrated...asked for a manager. After about 5 minutes more someone came on and ID'd themselves as a manager.
I didn't want them to do anything more than answer a few questions. I never got to speak to a loan officer and finally hung up. BTW: my credit score is 816 and I'm closing my GESA account next week or sooner.

Gesa Credit Union

losers who take advantage of the poor and down and out, been looking over my wifes paperwork when she bought a car while we were split up, WOW! I would never do ANY type of business with these people, I was surprised I was not charged a fee for walking into the building.. again WOW! Do not walk RUN TO ANY OTHER CREDIT UNION OR BANK!


Long Time Member, Not Anymore!

This bank is seriously a scam! DO NOT become a member with them. They will take every last penny from you if you let them...if there is an overdraft fee that is their fault they will not make it right! They expect you to pay it if you've had more than one reversal in a year! It's ridiculous! Go to hapo! They are so much better , and the employees are a lot more understanding ! Especially the supervisors at Gesa , TERRIBLY RUDE!

Long Time Customer, Not Happy!

Gesa is awful. I have had a student checking with them since I was 16 and I have lost count on how many times they have had horrible customer service. I am a college student who lives across state and should have closed my account when I was 18. The inconveniences I have had with them are unreasonable. I have been charged a ridiculous amount of late fees for multiple overdrafts because of their slow online banking which has caused me nearly 200 dollars. Every time I try to explain my situation, there have been multiple reps that don't care and won't help me. Definitely don't recommend Gesa. My whole family of 5 have now ended their accounts with gesa because of their awful experiences, too. Credit unions can be tricky but you can find good ones but this is NOT a good one. On the contrary the West Richland Branch is the only branch that kept me wanting to keep an account with them over these years.

Poor Customer Service

Posted by: |

I am a valued customer of Gesa Credit Union (so I thought). I currently have an auto loan that I have been paying on for the last 4 years. I recently submitted my payment for this month, I am not behind on my payments. I received a phone call last week from your collections department. I was not home at the time so I returned the call today. I was informed by the collection representative that my account is currently past due, because I failed to pay the the 10 cents. I responded back and said "you are kidding me, my account is past due because I did not pay the $.10" (yes 10 cents) the rep replied and said "yes, you have to pay the full amount including the cents to avoid your account going into a past due status." I was asked to pay an additional 10 cents on my next months payment to catch my account up. I was also told that I should have received some type of past due reminder in the mail. Really...for 10 cents, I'm sure this is not the first time I forgot to add the 10 cents on my monthly auto loan payment. I'm only owing a little over 5 grand left, and like I said, I've been making my payments. Matter in fact, I have made a payment before paying over the amount. With this tough economy right now they are lucky I am able to submit my payments in full and on time. I have a new born and am working full time, and all Gesa has time for is contacting their value customers about 10 cents. WOW!!!! I can't wait for the day that my car loan is paid in full. Go and harass your other customers who did not make their payments at all. I am so disappointed right now, what a way to treat your so called good customers who make the effort to pay on their loans. Gesa needs to do better with how you treat your customers. I have never in my life received such a petty call.


Health Grade Components

NCUA #68278
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD6.02%
Annual Interest Income$175.0MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$5.59B$4.98B
LoansQ4 2022vs Q4 2021$4.43B$3.77B
DepositsQ4 2022vs Q4 2021$4.54B$4.35B
Equity CapitalQ4 2022vs Q4 2021$489.8MM$490.2MM
Loan Loss AllowanceQ4 2022vs Q4 2021$31.0MM$26.5MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$16.5MM$10.2MM
Real Estate OwnedQ4 2022vs Q4 2021$0$566.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Gesa Credit Union Savings Account Rates

7.00%*-$500Student Savings Account
OTHER TIERS: 0.01% $500+
7.00%*-$500Explorer Youth Savings
OTHER TIERS: 0.01% $500+
7.00%*-$500SmartPlus Savings
OTHER TIERS: 0.01% $500+
7.00%*-$500Minor Savings
OTHER TIERS: 0.01% $500+
1.00%*$25k*-Health Savings Account
OTHER TIERS: 0.50% Up to $25k
0.50%--IRA Savings Account
0.04%$500-Business Savings

Gesa Credit Union Money Market Rates

0.45%*$500k*-Money Market Account
OTHER TIERS: 0.20% $2.5k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.35% $50k - $100k | 0.40% $100k - $500k
0.45%*$500k*-Business Money Market
OTHER TIERS: 0.20% $2.5k - $10k | 0.30% $10k - $50k | 0.35% $50k - $100k | 0.40% $100k - $500k
0.40%*$500k*-Business Money Market Sweep
OTHER TIERS: 0.20% Up to $50k | 0.30% $50k - $250k | 0.35% $250k - $500k

Gesa Credit Union Checking Account Rates

7.00%*-$500Student Checking Account
OTHER TIERS: 0.01% $500+
7.00%*-$5kSmartPlus Checking
OTHER TIERS: 0.01% $5k+
0.30%--Business Analysis Checking

Gesa Credit Union CD Rates

2.50%*$100k*-84 Month Certificate
OTHER TIERS: 2.20% $500 - $50k | 2.35% $50k - $100k
2.00%*$100k*-60 Month Certificate
OTHER TIERS: 1.70% $500 - $50k | 1.85% $50k - $100k
2.00%*$100k*-60 Month Bump Certificate
OTHER TIERS: 1.70% $500 - $50k | 1.85% $50k - $100k
2.00%*$100k*-Business 60 Month CD
OTHER TIERS: 1.70% $500 - $50k | 1.85% $50k - $100k
1.75%*$100k*-48 Month Certificate
OTHER TIERS: 1.55% $500 - $50k | 1.65% $50k - $100k
1.75%*$100k*-48 Month Bump Certificate
OTHER TIERS: 1.55% $500 - $50k | 1.65% $50k - $100k
1.75%*$100k*-Business 48 Month CD
OTHER TIERS: 1.55% $500 - $50k | 1.65% $50k - $100k
1.50%*$100k*-36 Month Certificate
OTHER TIERS: 1.30% $500 - $50k | 1.40% $50k - $100k
1.50%*$100k*-36 Month Bump Certificate
OTHER TIERS: 1.30% $500 - $50k | 1.40% $50k - $100k
1.50%*$100k*-Business 36 Month CD
OTHER TIERS: 1.30% $500 - $50k | 1.40% $50k - $100k
1.35%*$100k*-30 Month Certificate
OTHER TIERS: 1.15% $500 - $50k | 1.25% $50k - $100k
1.35%*$100k*-Business 30 Month CD
OTHER TIERS: 1.15% $500 - $50k | 1.25% $50k - $100k
1.25%*$100k*-24 Month Certificate
OTHER TIERS: 1.05% $500 - $50k | 1.15% $50k - $100k
1.25%*$100k*-24 Month Bump Certificate
OTHER TIERS: 1.05% $500 - $50k | 1.15% $50k - $100k
1.25%*$100k*-Business 24 Month CD
OTHER TIERS: 1.05% $500 - $50k | 1.15% $50k - $100k
1.15%*$100k*-18 Month Certificate
OTHER TIERS: 0.95% $500 - $50k | 1.05% $50k - $100k
1.15%*$100k*-Business 18 Month CD
OTHER TIERS: 0.95% $500 - $50k | 1.05% $50k - $100k
1.00%*$100k*-12 Month Certificate
OTHER TIERS: 0.80% $500 - $100k
1.00%*$100k*-12 Month Bump Certificate
OTHER TIERS: 0.80% $500 - $50k | 0.90% $50k - $100k
1.00%*$100k*-Business 12 Month CD
OTHER TIERS: 0.80% $500 - $50k | 0.90% $50k - $100k
0.75%*$100k*-6 Month Certificate
OTHER TIERS: 0.65% $500 - $100k
0.75%*$100k*-Business 6 Month CD
OTHER TIERS: 0.65% $500 - $50k | 0.70% $50k - $100k
0.25%$500-3 Month Certificate
0.25%$500-Business 3 Month CD

Gesa Credit Union IRA Rates

4.25%$500-25 Month IRA Certificate Special
4.13%$500-13 Month IRA Certificate Special
2.50%*$100k*-84 Month IRA Certificate
OTHER TIERS: 2.20% $500 - $50k | 2.35% $50k - $100k
2.00%*$100k*-60 Month IRA Certificate
OTHER TIERS: 1.70% $500 - $50k | 1.85% $50k - $100k
2.00%*$100k*-60 Month Bump Certificate IRA
OTHER TIERS: 1.70% $500 - $50k | 1.85% $50k - $100k
1.75%*$100k*-48 Month IRA Certificate
OTHER TIERS: 1.55% $500 - $50k | 1.65% $50k - $100k
1.75%*$100k*-48 Month Bump Certificate IRA
OTHER TIERS: 1.55% $500 - $50k | 1.65% $50k - $100k
1.50%*$100k*-36 Month IRA Certificate
OTHER TIERS: 1.30% $500 - $50k | 1.40% $50k - $100k
1.50%*$100k*-36 Month Bump Certificate IRA
OTHER TIERS: 1.30% $500 - $50k | 1.40% $50k - $100k
1.35%*$100k*-30 Month IRA Certificate
OTHER TIERS: 1.15% $500 - $50k | 1.25% $50k - $100k
1.25%*$100k*-24 Month IRA Certificate
OTHER TIERS: 1.05% $500 - $50k | 1.15% $50k - $100k
1.25%*$100k*-24 Month Bump Certificate IRA
OTHER TIERS: 1.05% $500 - $50k | 1.15% $50k - $100k
1.15%*$100k*-18 Month IRA Certificate
OTHER TIERS: 0.95% $500 - $50k | 1.05% $50k - $100k
1.00%*$100k*-12 Month IRA Certificate
OTHER TIERS: 0.80% $500 - $50k | 0.90% $50k - $100k
1.00%*$100k*-12 Month Bump IRA Certificate
OTHER TIERS: 0.80% $500 - $50k | 0.90% $50k - $100k


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