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 65th largest credit union in the nation. It was established in 1953 and as of March of 2024, it had grown to 731 employees and 289,782 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

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.

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

Posted by: |

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.

Left Hand Does Not Know What Right Hand Is Doing

Posted by: |

I started out with School Employees Credit Union over 30 years ago. They were GREAT !
Then they changed their name to Inspirus or something crazy like that, they were still pretty good, great service and loan rates, good CD rates a very customer service oriented.
Then they merged with GESA Credit Union and that is where thing started getting screwed up.
For some reason some of the customer service people are very difficult to work with and don’t seem to care about the customers.
I did figure out that when I get a difficult person, I just say ok, hang up and call back until I find an intelligent reasonablef person that can take care of my needs.
No use wasting time with a jerk that is not willing to look into things.
Sometimes they offer good CD rates, but if you close before maturity they take a minimum of 90 days of interest. If you have a checking account they charge high fees to order checks.
They make it difficult to stop a CD from rolling over, they send a form in the mail and you have to mail it back on time if you don’t want it to roll over, or call the day of maturity. It’s a mess.
The high interest savings is nice, but they stopped the high interest checking and now you have to use your debit card so many times a month or you don’t get the high interest. A total pain!
I just don’t feel like a valued customer as I did when it was School Employees Credit union.
Customer Service department needs major overhaul.



Health Grade Components

NCUA #68278
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD8.11%
Annual Interest Income$64.4MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$5.52B$5.46B
LoansQ1 2024vs Q1 2023$4.29B$4.33B
DepositsQ1 2024vs Q1 2023$4.51B$4.54B
Equity CapitalQ1 2024vs Q1 2023$532.7MM$506.6MM
Loan Loss AllowanceQ1 2024vs Q1 2023$45.3MM$22.9MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$19.9MM$15.8MM
Real Estate OwnedQ1 2024vs Q1 2023$0$246K
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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%*$0$500Student Savings Account
OTHER TIERS: 0.01% $500+
7.00%*$0$500Explorer Youth Savings
OTHER TIERS: 0.01% $500+
7.00%*$0$500SmartPlus Savings
OTHER TIERS: 0.01% $500+
7.00%*$0$500Minor Savings
OTHER TIERS: 0.01% $500+
3.00%*$100k*-High Yield Savings Special
OTHER TIERS: 0.01% $0 - $100k
1.00%*$25k*-Health Savings Account
OTHER TIERS: 0.50% $0 - $25k
0.05%$0-Smart Saving
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% $0 - $50k | 0.30% $50k - $250k | 0.35% $250k - $500k

Gesa Credit Union Checking Account Rates

7.00%*$0$500Student Checking Account
OTHER TIERS: 0.01% $500+
7.00%*$0$5kSmartPlus Checking
OTHER TIERS: 0.01% $5k+

Gesa Credit Union CD Rates

4.00%*$100k*-12 Month Certificate
OTHER TIERS: 3.70% $500 - $50k | 3.85% $50k - $100k
3.75%*$100k*-84 Month Certificate
OTHER TIERS: 3.35% $500 - $50k | 3.55% $50k - $100k
3.50%*$100k*-60 Month Certificate
OTHER TIERS: 3.10% $500 - $50k | 3.30% $50k - $100k
3.50%*$100k*-30 Month Certificate
OTHER TIERS: 3.20% $500 - $50k | 3.35% $50k - $100k
3.50%*$100k*-12 Month Bump Certificate
OTHER TIERS: 3.20% $500 - $50k | 3.35% $50k - $100k
3.35%*$100k*-48 Month Certificate
OTHER TIERS: 3.05% $500 - $50k | 3.20% $50k - $100k
3.25%*$100k*-24 Month Certificate
OTHER TIERS: 2.95% $500 - $50k | 3.10% $50k - $100k
3.25%*$100k*-36 Month Certificate
OTHER TIERS: 2.95% $500 - $50k | 3.10% $50k - $100k
3.15%*$100k*-60 Month Bump Certificate
OTHER TIERS: 2.75% $500 - $50k | 2.95% $50k - $100k
3.00%*$100k*-6 Month Certificate
OTHER TIERS: 2.70% $500 - $50k | 2.85% $50k - $100k
3.00%*$100k*-18 Month Certificate
OTHER TIERS: 2.70% $500 - $50k | 2.85% $50k - $100k
3.00%*$100k*-48 Month Bump Certificate
OTHER TIERS: 2.70% $500 - $50k | 2.85% $50k - $100k
2.90%*$100k*-24 Month Bump Certificate
OTHER TIERS: 2.60% $500 - $50k | 2.75% $50k - $100k
2.90%*$100k*-36 Month Bump Certificate
OTHER TIERS: 2.60% $500 - $50k | 2.75% $50k - $100k
1.35%*$100k*-3 Month Certificate
OTHER TIERS: 1.05% $500 - $50k | 1.20% $50k - $100k


Yakima Area

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