Gesa Credit Union is headquartered in Richland and is the 3rd largest credit union in the state of Washington. It is also the 64th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 761 employees and 293,650 members at 33 locations. Gesa Credit Union's savings rates are 6X 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, 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
Worst Bank Ever And That’S Saying Something
Screw this place they should be shut down for the way they screw you at every angle. To make a payment charge you don’t have your info add a charge and don’t tell you for six months. Add up charges so you can pay your bill on time and hit you with a late fee. I don’t know how people can bank here but I’m not banking with these criminals. They will rob you blind.
Worse Customer Service Ever
Just got a notification that my card was used by someone on DoorDash app in California I am located in Kennewick and tried to dispute it calling customer service line but wasn’t able to get to my account because I gave them all the correct information before they asked ??! Customer service agent Melvin told me after I answered her question “This doesn’t make any sense” on me telling her that i have a differential app then the one used for the purchase in another state and her supervisor Paula just followed steps or her worker and told me they are not going to aloud me to get into my account!! This bank is becoming a joke but for real!
Not Worth Any Star
I had thought I was being treated badly because I was a non US citizen, until I read other comments. As some people are commenting, Washington School Employees' Credit Union was truly wonderful. I know everything changed after 9.11, but am really sad to see people losing human touch and common sense.
Moses Lake Branch
Rude staff, from the teller to the head teller to the manager, no regard for customer service. Not only were they more concerned with flexing their power over my account but they had little regard for my time.
Customer Service For Home Loans Is A Joke
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
??????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
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.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 68278 |
| Year Chartered | 1953 |
| Employees | 761 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.66% |
| Return on Equity - YTD | 6.62% |
| Annual Interest Income | $72.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $5.86B$5.52B |
| Loans | Q1 2025vs Q1 2024 | $4.52B$4.29B |
| Deposits | Q1 2025vs Q1 2024 | $4.81B$4.51B |
| Equity Capital | Q1 2025vs Q1 2024 | $572.5MM$532.7MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $42.5MM$45.3MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $19MM$19.9MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |
