2. Gesa Credit Union

Gesa Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
3.25%5-year CD
3.10% - American Express National Bank 60 Month CDAdvertisement
3.00%4-year CD
1.94% - National Average
3.50%6+ Year CD
2.30% - National Average
View all Gesa Credit Union rates »

Overview / Commentary
www.gesa.com
509-378-3100
51 Gage Blvd
Richland, WA 99352

Gesa Credit Union is headquartered in Richland and is the 5th largest credit union in the state of Washington. It is also the 128th largest credit union in the nation. It was established in 1953 and as of September of 2018, it had grown to 444 employees and 162,781 members at 20 locations. Gesa Credit Union's savings rates are 10X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Gesa Credit Union is open to: (1) Anyone who lives, works, attends school, or worships in the state of Washington; (2) Residents within Bonner, Boundary, Kootenai, Shoshone, Benewah, Nez Perce, Latah, or Lewis Counties in Idaho; (3) Immediate family of anyone eligible.
See current membership details

Related Posts

Gesa Credit Union (WA/ID) 36-Month Bump CD Now Earns 3.50% APY - 1/11/2019

Gesa Credit Union (WA/ID) has added 125 bps to its 36-month Bump Certificate (3.50% APY). Minimum deposit is $500. One rate increase allowed during the term.

3.5% 36 Month Bump CD - 1/9/2019

Saw this posted today. For Washington State residents.

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Reviews (4)

Gesa is great!

Posted by: MarkM. | May 28, 2014

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.

3

Long Time Member, Not Anymore!

Posted by: jessieevans89 | Nov 6, 2018

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!

1

Long Time Customer, Not Happy!

Posted by: Ashley Stewart | Nov 15, 2016

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.

3

Poor Customer Service

Posted by: Anonymous | Oct 24, 2011

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.

7


Health
A

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #68278
Year Chartered1953
Employees444
Primary Regulator
Profit Margin
Return on Assets - YTD0.97%
Return on Equity - YTD10.34%
Annual Interest Income$58.8MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$2.01B$1.84B
LoansQ3 2018vs Q3 2017$1.71B$1.57B
DepositsQ3 2018vs Q3 2017$1.69B$1.60B
Equity CapitalQ3 2018vs Q3 2017$186.9MM$169.7MM
Loan Loss AllowanceQ3 2018vs Q3 2017$13.4MM$12.4MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$7.5MM$5.6MM
Real Estate OwnedQ3 2018vs Q3 2017$0$0
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

3.5% 36 Month Bump CD

Kennewickkid   |  
Saw this posted today. For Washington State residents.
2

Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%-$500Super5 Savings Special
1.25%*-$3kVacation Club Account
OTHER TIERS: 0.01% → $3k+
1.25%*-$3kHoliday Club Account
OTHER TIERS: 0.01% → $3k+
1.25%*$25k*-Health Savings Account
OTHER TIERS: 0.75% → Up to $25k
0.25%$100-IRA Savings Account
0.05%--Primary Savings

Gesa Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$250k*-Money Market Account
OTHER TIERS: 0.20% → $2.5k - $10k | 0.30% → $10k - $25k | 0.40% → $25k - $50k | 0.50% → $50k - $100k | 0.55% → $100k - $250k

Gesa Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%-$5kPremier Checking Special
3.00%*-$10kColossal Checking
OTHER TIERS: 0.05% → $10k+

Gesa Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$500-36 Month Certificate
3.50%*$100k*-84 Month Certificate
OTHER TIERS: 3.00% → $500 - $50k | 3.25% → $50k - $100k
3.50%$500-36 Month Bump Certificate
3.50%$500-36 Month Certificate Special
3.50%$500-36 Month Bump Certificate Special
3.50%$500-Business 36 Month Certificate Special
3.25%*$100k*-60 Month Certificate
OTHER TIERS: 2.75% → $500 - $50k | 3.00% → $50k - $100k
3.00%*$100k*-48 Month Certificate
OTHER TIERS: 2.60% → $500 - $50k | 2.80% → $50k - $100k
3.00%$500-17 Month Certificate
3.00%$500-17 Month Certificate Special
3.00%$500-Business 17 Month Certificate Special
2.95%*$100k*-60 Month Bump Certificate
OTHER TIERS: 2.45% → $500 - $50k | 2.70% → $50k - $100k
2.70%*$100k*-48 Month Bump Certificate
OTHER TIERS: 2.30% → $500 - $50k | 2.50% → $50k - $100k
2.50%*$100k*-30 Month Certificate
OTHER TIERS: 2.20% → $500 - $50k | 2.35% → $50k - $100k
2.25%*$100k*-24 Month Certificate
OTHER TIERS: 1.95% → $500 - $50k | 2.10% → $50k - $100k
2.05%*$100k*-24 Month Bump Certificate
OTHER TIERS: 1.75% → $500 - $50k | 1.90% → $50k - $100k
2.00%*$100k*-18 Month Certificate
OTHER TIERS: 1.80% → $500 - $50k | 1.90% → $50k - $100k
1.00%*$100k*-12 Month Certificate
OTHER TIERS: 0.80% → $500 - $50k | 0.90% → $50k - $100k
0.90%*$100k*-12 Month Bump Certificate
OTHER TIERS: 0.70% → $500 - $50k | 0.80% → $50k - $100k
0.50%*$100k*-6 Month Certificate
OTHER TIERS: 0.30% → $500 - $50k | 0.40% → $50k - $100k
0.20%$500-3 Month Certificate

Gesa Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$500-36 Month IRA Certificate
3.50%*$100k*-84 Month IRA Certificate
OTHER TIERS: 3.00% → $500 - $50k | 3.25% → $50k - $100k
3.50%$500-36 Month Bump Certificate IRA
3.50%$500-36 Month IRA Certificate Special
3.50%$500-36 Month Bump IRA Certificate Special
3.25%*$100k*-60 Month IRA Certificate
OTHER TIERS: 2.75% → $500 - $50k | 3.00% → $50k - $100k
3.00%*$100k*-48 Month IRA Certificate
OTHER TIERS: 2.60% → $500 - $50k | 2.80% → $50k - $100k
3.00%$500-17 Month IRA Certificate
3.00%$500-17 Month IRA Certificate Special
2.95%*$100k*-60 Month Bump Certificate IRA
OTHER TIERS: 2.45% → $500 - $50k | 2.70% → $50k - $100k
2.70%*$100k*-48 Month Bump Certificate IRA
OTHER TIERS: 2.30% → $500 - $50k | 2.50% → $50k - $100k
2.50%*$100k*-30 Month IRA Certificate
OTHER TIERS: 2.20% → $500 - $50k | 2.35% → $50k - $100k
2.25%*$100k*-24 Month IRA Certificate
OTHER TIERS: 1.95% → $500 - $50k | 2.10% → $50k - $100k
2.05%*$100k*-24 Month Bump Certificate IRA
OTHER TIERS: 1.75% → $500 - $50k | 1.90% → $50k - $100k
2.00%*$100k*-18 Month IRA Certificate
OTHER TIERS: 1.80% → $500 - $50k | 1.90% → $50k - $100k
1.00%*$100k*-12 Month IRA Certificate
OTHER TIERS: 0.80% → $500 - $50k | 0.90% → $50k - $100k
0.90%*$100k*-12 Month Bump IRA Certificate
OTHER TIERS: 0.70% → $500 - $50k | 0.80% → $50k - $100k
0.40%$500-11 Month IRA Add-on Certificate
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