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Gesa Credit Union


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

Gesa Credit Union is headquartered in Richland and is the 2nd 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 December of 2019, it had grown to 620 employees and 252,619 members at 25 locations. Gesa Credit Union 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

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Reviews (5)

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.

4

Gesa Credit Union

Posted by: |

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!

ADVICE..LOOK AT THE CUSTOMER REVIEWS!

2

Long Time Member, Not Anymore!

Posted by: |

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!

7

Long Time Customer, Not Happy!

Posted by: |

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.

5

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.

13


Health
A

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #68278
Year Chartered1953
Employees620
Primary Regulator
Profit Margin
Return on Assets - YTD1.02%
Return on Equity - YTD9.23%
Annual Interest Income$150.6MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$3.68B$2.06B
LoansQ4 2019vs Q4 2018$2.90B$1.72B
DepositsQ4 2019vs Q4 2018$3.13B$1.72B
Equity CapitalQ4 2019vs Q4 2018$402.8MM$190.6MM
Loan Loss AllowanceQ4 2019vs Q4 2018$16.5MM$13.8MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$16.4MM$8.6MM
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Gesa Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
1.00%*$25k*-Health Savings Account
OTHER TIERS: 0.50% → Up to $25k
0.25%$100-IRA Savings Account
0.05%--Primary Savings
0.04%--Business Savings

Gesa Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$250k*-Money Market Account
OTHER TIERS: 0.25% → $2.5k - $25k | 0.30% → $25k - $50k | 0.35% → $50k - $100k | 0.40% → $100k - $250k
0.45%*$500k*-Business Money Market
OTHER TIERS: 0.25% → $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 | 0.25% → $50k - $250k | 0.30% → $250k - $500k

Gesa Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.65%-$10kColossal Checking

Gesa Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.65%*$100k*-84 Month Certificate
OTHER TIERS: 1.25% → $500 - $50k | 1.45% → $50k - $100k
1.50%*$100k*-60 Month Certificate
OTHER TIERS: 1.10% → $500 - $50k | 1.30% → $50k - $100k
1.50%*$100k*-60 Month Bump Certificate
OTHER TIERS: 1.10% → $500 - $50k | 1.30% → $50k - $100k
1.50%*$100k*-Business 60 Month CD
OTHER TIERS: 1.10% → $500 - $50k | 1.30% → $50k - $100k
1.40%*$100k*-48 Month Certificate
OTHER TIERS: 1.00% → $500 - $50k | 1.20% → $50k - $100k
1.40%*$100k*-48 Month Bump Certificate
OTHER TIERS: 1.00% → $500 - $50k | 1.20% → $50k - $100k
1.40%*$100k*-Business 48 Month CD
OTHER TIERS: 1.00% → $500 - $50k | 1.20% → $50k - $100k
1.25%*$100k*-36 Month Certificate
OTHER TIERS: 0.85% → $500 - $50k | 1.05% → $50k - $100k
1.25%*$100k*-36 Month Bump Certificate
OTHER TIERS: 0.85% → $500 - $50k | 1.05% → $50k - $100k
1.25%*$100k*-Business 36 Month CD
OTHER TIERS: 0.85% → $500 - $50k | 1.05% → $50k - $100k
1.10%*$100k*-30 Month Certificate
OTHER TIERS: 0.80% → $500 - $50k | 0.95% → $50k - $100k
1.10%*$100k*-Business 30 Month CD
OTHER TIERS: 0.80% → $500 - $50k | 0.95% → $50k - $100k
1.00%*$100k*-24 Month Certificate
OTHER TIERS: 0.70% → $500 - $50k | 0.85% → $50k - $100k
1.00%*$100k*-24 Month Bump Certificate
OTHER TIERS: 0.70% → $500 - $50k | 0.85% → $50k - $100k
1.00%*$100k*-Business 24 Month CD
OTHER TIERS: 0.70% → $500 - $50k | 0.85% → $50k - $100k
0.75%*$100k*-18 Month Certificate
OTHER TIERS: 0.55% → $500 - $50k | 0.65% → $50k - $100k
0.75%*$100k*-Business 18 Month CD
OTHER TIERS: 0.55% → $500 - $50k | 0.65% → $50k - $100k
0.50%*$100k*-12 Month Certificate
OTHER TIERS: 0.30% → $500 - $50k | 0.40% → $50k - $100k
0.50%*$100k*-12 Month Bump Certificate
OTHER TIERS: 0.30% → $500 - $50k | 0.40% → $50k - $100k
0.50%*$100k*-Business 12 Month CD
OTHER TIERS: 0.30% → $500 - $50k | 0.40% → $50k - $100k
0.35%*$100k*-6 Month Certificate
OTHER TIERS: 0.25% → $500 - $50k | 0.30% → $50k - $100k
0.35%*$100k*-Business 6 Month CD
OTHER TIERS: 0.25% → $500 - $50k | 0.30% → $50k - $100k
0.20%$500-3 Month Certificate
0.20%$500-Business 3 Month CD

Gesa Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.65%*$100k*-84 Month IRA Certificate
OTHER TIERS: 1.25% → $500 - $50k | 1.45% → $50k - $100k
1.50%*$100k*-60 Month IRA Certificate
OTHER TIERS: 1.10% → $500 - $50k | 1.30% → $50k - $100k
1.50%*$100k*-60 Month Bump Certificate IRA
OTHER TIERS: 1.10% → $500 - $50k | 1.30% → $50k - $100k
1.40%*$100k*-48 Month IRA Certificate
OTHER TIERS: 1.00% → $500 - $50k | 1.20% → $50k - $100k
1.40%*$100k*-48 Month Bump Certificate IRA
OTHER TIERS: 1.00% → $500 - $50k | 1.20% → $50k - $100k
1.25%*$100k*-36 Month IRA Certificate
OTHER TIERS: 0.85% → $500 - $50k | 1.05% → $50k - $100k
1.25%*$100k*-36 Month Bump Certificate IRA
OTHER TIERS: 0.85% → $500 - $50k | 1.05% → $50k - $100k
1.10%*$100k*-30 Month IRA Certificate
OTHER TIERS: 0.80% → $500 - $50k | 0.95% → $50k - $100k
1.00%*$100k*-24 Month IRA Certificate
OTHER TIERS: 0.70% → $500 - $50k | 0.85% → $50k - $100k
1.00%*$100k*-24 Month Bump Certificate IRA
OTHER TIERS: 0.70% → $500 - $50k | 0.85% → $50k - $100k
0.75%*$100k*-18 Month IRA Certificate
OTHER TIERS: 0.55% → $500 - $50k | 0.65% → $50k - $100k
0.50%*$100k*-12 Month IRA Certificate
OTHER TIERS: 0.30% → $500 - $50k | 0.40% → $50k - $100k
0.50%*$100k*-12 Month Bump IRA Certificate
OTHER TIERS: 0.30% → $500 - $50k | 0.40% → $50k - $100k
0.40%$500-11 Month IRA Certificate Add-On
Locations

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