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Gesa Credit Union

Popular Accounts at this Credit Union

2.00%5-year CD60 Month Certificate
2.20%6+ Year CD7 Year Certificate
1.60%4-year CD48 Month Certificate

Overview / Commentary
51 Gage Blvd
Richland, WA 99352

Gesa Credit Union is headquartered in Richland and is the 4th largest credit union in the state of Washington. It is also the 131st largest credit union in the nation. It was established in 1953 and as of March of 2016, it had grown to 376 employees and 136,362 members at 16 locations. Gesa Credit Union has an A health rating.

Field of Membership Restrictions

Live or work in the state of Washington.
See current membership details

Related Posts

Gesa CU (WA) Offers Limited-Time Special Rates On CDs - 1/4/2016

Gesa Credit Union (Washington State) is offering limited-time special rates: 60-month CD (2.15% APY) and 7-year CD (2.50% APY). Minimum deposit is $500, with no balance cap.

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Reviews (2)

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.

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.


Health Grade Components

NCUA #68278
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD9.31%
Annual Interest Income$14.8MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$1.67B$1.49B
LoansQ1 2016vs Q1 2015$1.33B$1.19B
DepositsQ1 2016vs Q1 2015$1.46B$1.30B
Equity CapitalQ1 2016vs Q1 2015$151.6MM$136.8MM
Loan Loss AllowanceQ1 2016vs Q1 2015$10.3MM$10.4MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$2.9MM$3.3MM
Real Estate OwnedQ1 2016vs Q1 2015$29.00K$0
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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

1.25%--Vacation Club Account
1.25%--Holiday Club Account
0.25%$100-IRA Savings Account
0.05%--Primary Savings

Gesa Credit Union Money Market Rates

0.28%*$25k*-Money Market Account
OTHER TIERS: 0.13% $2,500 - $10k | 0.18% $10k - $25k

Gesa Credit Union Checking Account Rates

1.30%*-$10kColossal Checking
OTHER TIERS: 0.05% $10k+

Gesa Credit Union CD Rates

2.20%*$5k*-7 Year Certificate
OTHER TIERS: 2.10% $500 - $5k
2.00%*$5k*-60 Month Certificate
OTHER TIERS: 1.90% $500 - $5k
1.80%$5k-60 Month Bump-Up CD
1.70%$500-60 Month Bump CD
1.60%*$5k*-48 Month Certificate
OTHER TIERS: 1.50% $500 - $5k
1.45%$5k-48 Month Bump-Up CD
1.35%$500-48 Month Bump CD
1.20%*$5k*-36 Month Certificate
OTHER TIERS: 1.10% $500 - $5k
1.10%$5k-36 Month Bump-Up CD
1.00%*$5k*-30 Month Certificate
OTHER TIERS: 0.90% $500 - $5k
1.00%$500-36 Month Bump CD
0.95%*$5k*-24 Month Certificate
OTHER TIERS: 0.85% $500 - $5k
0.85%*$5k*-18 Month Certificate
OTHER TIERS: 0.75% $500 - $5k
0.85%$5k-24 Month Bump-Up CD
0.75%$500-24 Month Bump CD
0.45%*$5k*-12 Month Certificate
OTHER TIERS: 0.40% $500 - $5k
0.40%$5k-12 Month Bump-Up CD
0.35%$500-12 Month Bump CD
0.31%*$5k*-6 Month Certificate
OTHER TIERS: 0.26% $500 - $5k
0.20%$500-3 Month Certificate

Gesa Credit Union IRA Rates

2.20%$2,500-7 Year IRA Certificate
2.00%$2,500-60 Month IRA Certificate
1.80%$2,500-60 Month Bump IRA
1.60%$2,500-48 Month IRA Certificate
1.45%$2,500-48 Month Bump IRA
1.20%$2,500-36 Month IRA Certificate
1.10%$2,500-36 Month Bump IRA
1.00%$2,500-30 Month IRA Certificate
0.95%$2,500-24 Month IRA Certificate
0.85%$2,500-24 Month Bump IRA
0.85%$2,500-18 Month IRA Certificate
0.45%$2,500-12 Month IRA Certificate
0.40%$2,500-11 Month IRA Add-on Certificate
0.40%$2,500-12 Month Bump IRA

Gesa Credit Union has 16 locations. Click to view all Gesa Credit Union locations.