Gesa Credit Union (WA/ID/OR) Adds Trio Of Certificate Specials


Deal Summary: Certificate Specials – 7-month (4.07% APY), 13-month (4.13% APY), 25-month CD (4.25% APY), $500 minimum deposit.

Availability: Residents of Washington State, ten Idaho counties, and twelve Oregon counties.

For a limited time Washington-based Gesa Credit Union (Gesa) is offering three Certificate Specials: 7-month (4.07% APY), 13-month (4.13% APY), 25-month CD (4.25% APY). Of the three, the 7-month has the most competitive APY. The Certificate Specials require a $500 minimum opening deposit, with no stated balance cap.

All three Certificate Specials are also available as IRA Certificate Specials (Traditional and Roth), offering the same APYs with the same $500 minimum opening deposit.

As stated on the Gesa Certificate Accounts page, the Early Withdrawal Penalty reads as follows:

If your account has an original maturity (term) of less than 12-months: The penalty will equal 90 days interest on the amount withdrawn subject to penalty.

If your account has an original maturity (term) of 12-months or more – up to, but less than 36-months: The penalty will equal 180 days interest on the amount withdrawn subject to penalty.

Funding and Other Particulars

  • Funding – ACH, internal transfer, debit/credit card ($5k max).
  • CO-OP Shared Branch – Yes
  • Maturing Funds – if not rolled over, will be automatically transferred into a Gesa savings account.
  • Dividends – compound and are credited quarterly; earned dividends can be deposited into a Gesa savings or checking account.
  • Grace Period – 10 calendar days before automatic renewal.
  • Beneficiaries – unlimited, equal shares, name, DoB, address, and Social Security numbers required.
  • Credit check – credit not pulled for savings, checking, or CDs; banking scores checked through Chex systems.


Headquartered in Richland, Washington, Gesa Credit Union’s field of membership (FOM) is community-based, with individuals who live, work, worship, or attend school anywhere in Washington State, ten Idaho counties, or twelve Oregon counties.

Idaho counties: Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce, and Shoshone.

Oregon counties: Clackamas, Clatsop, Columbia, Gilliam, Hood River, Morrow, Multnomah, Sherman, Umatilla, Union, Wasco, and Washington.

”Close relatives” of individuals who qualify for membership are also welcome to apply.

Joining Gesa and/or opening a Certificate Special can be done online or at any of 30 Washington branches located in Bremerton, Kennewick (2), Kirkland, Lynnwood, Moses Lake, Pasco (3), Pullman (2), Puyallup, Richland (3), Seattle, Spokane (3), Spokane Valley (2), Tacoma, Tukwila, Walla Walla (2), Wenatchee, West Richland, and Yakima (3).

Become a member-owner of Gesa with as little as a $5 savings account deposit and enjoy the benefits.

Gesa participates in the CO-OP Shared Branch network,

the second largest branch network in the US. This gives Gesa members the ability to do your banking at a credit union conveniently located near you, with almost 200 locations in Washington State alone.

Credit Union Overview

Gesa Credit Union has an overall health grade of "A" at, with a Texas Ratio of 2.52% (excellent) based on June 30, 2022 data. In the past year, Gesa has increased its total non-brokered deposits by $265.99 million, an excellent annual growth rate of 6.62%. Please refer to our financial overview of Gesa Credit Union (NCUA Charter # 68278) for more details.

”It started in a shoebox.” GESA Federal Credit Union was established in 1953 by members of General Electric Supervisor's Association (G.E.S.A.). The initial membership was exclusive to the 2,600 exempt employees of General Electric, with the first account receipts stored in a shoebox. Thirty years later, membership was opened to select employee groups who could not support a credit union of their own. Gesa converted from a federal to a state charter credit union in 1997, as a result of legislation which prevented all federal credit unions from expanding beyond their core membership.

According to an April 2022 CUTimes article, Gesa Credit Union has joined,

a small but growing group of credit unions this month by surpassing $5 billion in assets.

Gesa Credit Union is currently the second largest credit union headquartered in Washington, with more than 280,000 members and deposits in excess of $4.5 billion.

How the 7-Month Certificate Special Compares

When compared to similar length-of-term CDs tracked by that available nationally and have minimum deposit requirements of $10k or less, only one credit union has a higher rate than currently offered on the Gesa Credit Union 7-month Certificate Special. The following table compares the 7-month Certificate Special to the two highest-rate CDs from other credit unions and the two highest-rate CDs from banks.

The above information and rates are accurate as of 11/8/2022.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Yakima CD rates, Seattle CD rates, Spokane CD rates, 1-year CD rates, 5-year CD rates, IRA CD rates

Gesa Credit Union Adds 17-Month CD Special And $300 Checking Bonus
Deal Summary: 17-month Certificate Special, 1.05% APY, $500 minimum deposit. $300 checking bonus.

Availability: Residents of Washington State, ten Idaho counties, and twelve Oregon counties.

Washington-based Gesa Credit Union (Gesa) is currently offering various promotions, including a 17-month Certificate Special and a $300 new checking bonus.

17-month Certificate Special

Earning 1.05% APY, the 17-month Certificate Special is the most competitive CD in Gesa’s product line. This limited-time Certificate Special requires a $500 minimum opening deposit. According to the small print of the promotions page, "total certificate balances at this term and...

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Gesa Credit Union Ups 7-Month Certificate Rate
Deal Summary: 7-month Certificate, 1.00% APY, $500 minimum deposit.

Availability: Residents of Washington State, ten Idaho counties, and twelve Oregon counties.

Washington-based Gesa Credit Union (Gesa) began the month by raising the rate on its 7-month Certificate to 1.00% APY. This short-term Certificate requires a $500 minimum opening deposit and has no stated balance cap.

The 7-month Certificate has been part of the product line for more than three years. The initial 1.17% APY was in effect for two years before it was increased to 1.47% APY in...

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Gesa Credit Union (WA/ID) 36-Month Bump CD Now Earns 3.50% APY
Deal Summary: 36-month Bump Certificate, 3.50% APY, one-time rate increase, $500 minimum deposit.

Availability: Residents of Washington State and eight Idaho panhandle counties.

Earlier this week, Gesa Credit Union (Gesa CU) raised the rate on its 36-month Bump Certificate to 3.50% APY. The bump option allows for a one-time rate increase (any time during the term) that must be initiated by the certificate’s owner. This limited-time offer requires a $500 minimum opening deposit and has no balance cap.

The Bump Certificate is also available as an IRA (Traditional...

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Earn $100 With A New Gesa Credit Union (WA) Checking Account

Deal Summary: $100 Bonus when opening a new checking account.

Availability: Residents of Washington State

Although 2017 is about two months old, Gesa Credit Union (Gesa CU) is still offering a $100 checking bonus to “help you kick off 2017 the right way.” Checking account bonuses rarely have so few requirements and are rarely awarded so quickly. The details of the promotion are listed in this credit union page and are summarized below:


  • Open a new Classic Checking or Colossal Checking account.
  • Minimum $500 opening deposit required.
  • May not have had a Gesa...

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Gesa CU (WA) Offers Limited-Time Special Rates On CDs
Availability: Residents of Washington State

Gesa Credit Union (Gesa CU) began the New Year by raising the rates on all its Certificates, with the most impressive rates on the 60-month (2.15% APY) and the 7-year (2.50% APY). The minimum opening deposit is $500, with no balance cap.

Gesa CU’s website lists two categories of Certificates - $500 and $5K minimum deposits, but currently the APYs are the same for either minimum deposit level.

Both Certificates are also available as IRAs (Traditional and Roth), earning same APYs, but...

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