Gesa branches will be closed on Saturday, November 11th for Veterans Day. Learn more about our holiday hours.

Gesa Credit Union will be closed on February 19, 2024 for Presidents' Day. This includes all branches and our Member Contact Center. Regular hours will resume February 20, 2024.

Update Notice: We're improving our systems on the evening of November 4. Gesa members may experience overnight service disruptions. Thank you for your understanding.

Spokane Wildfire Relief: Join Us in Making an Impact.

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Member‑owned. No shareholders. Community‑focused.

When you bank with us, you keep your money in your community and give back to local schools and organizations.

To those who say “I’m not good with money” we say “yet.”

Financial education made easy.

Mortgage on us

Live mortgage-free for a year!

Get a new Gesa home loan for a chance to win $25,000!

Promotion Refer a Friend

Gesa’s got $1k with your name on it

Refer a friend for a chance to win $1,000

A family of three, including a mother, father, and young child, standing happily in an empty room with wooden flooring, looking upwards and smiling with anticipation, framed by an open white door.

No-fee HELOC. No kidding.

Our HELOCs and Home Equity Loans open doors!​

Bundle and Earn

Bundle up and earn up to $500

Rake in rewards with
every add-on

Forevergreen Card

Forevergreen Card

You swipe. We plant.
Everyone breathes easier.​

SmartPlus Savings

SmartPlus Savings

SmartPlus Savings
keeps getting smarter

high yield savings

High-Yield Savings

Smart money
makes money

Discover the best rates around.

SmartPlus Checking

7.00% APY* APY or Annual Percentage Yield is the real rate of return earned on your account balance after taking into account the effect of compounding interest.

On the first $0 – $5,000

Student Checking

7.00% APY* APY or Annual Percentage Yield is the real rate of return earned on your account balance after taking into account the effect of compounding interest.

On the first $0 – $500

SmartPlus Savings

7.00% APY* APY or Annual Percentage Yield is the real rate of return earned on your account balance after taking into account the effect of compounding interest.

On the first $0 – $500

Explorer Youth Savings

7.00% APY* APY or Annual Percentage Yield is the real rate of return earned on your account balance after taking into account the effect of compounding interest.

On the first $0 – $500

Cash Rewards Card

as low as

18.49% APR*
APR or Annual Percentage Rate. Rates, terms, and fees are subject to change.

Wise Card

as low as

14.24% APR*
APR or Annual Percentage Rate. Rates, terms, and fees are subject to change.

Wise Secured Card

as low as

14.24% APR*
APR or Annual Percentage Rate. Rates, terms, and fees are subject to change.

Personal Loan

as low as

12.00% APR*
APR or Annual Percentage Rate. Rates, terms, and fees are subject to change.

New Auto Loan

as low as

5.25% APR*
APR or Annual Percentage Rate. Rates, terms, and fees are subject to change.

Fixed Home Equity Loan

as low as

8.125% APR*
APR or Annual Percentage Rate. Rates, terms, and fees are subject to change.

Bank close to home with one of our 31 branches.

Find your nearest branch or ATM

Search by city, zip-code, or address

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Bank close to home with one of our 31 branches.

Find your nearest branch or ATM

Search by city, zip-code, or address

Debit cards that give back with every swipe.

Gesa’s affinity card program empowers you and all our members, at no cost, to earn funds for local schools or community organizations just by using your debit card. Select an organization to support from four categories: Collegiate, Local Heroes, K-12 Schools, or Local Sports organizations.

Affinity Card - Veteran
Veterans – Local Heroes

The Veterans Local Heroes Gesa debit card provides the opportunity for you to support Veterans in communities across Washington State.

Learn more
Kiona Benton
Kiona-Benton City School District

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Lynnwood
Lynnwood High School Royals

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Meadowdale
Meadowdale High School Mavericks

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Mountlake Tarrace
Mountlake Terrace High School Hawks

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - New Horizons
New Horizons High School Phoenix

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Pasco
Pasco High School Bulldogs

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Richland
Richland High School Bombers

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Law Enforcement
Law Enforcement – Local Heroes

The Law Enforcement Local Heroes Gesa debit card provides the opportunity for you to support police officers in communities across Washington State.

Learn more
River View
River View High School Panthers

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Scriber Lake
Scriber Lake High School Panthers

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Southridge
Southridge High School Suns

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - St Patrick
St Patrick Saints

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Education
Teachers – Local Heroes

The Teachers Local Heroes Gesa debit card provides the opportunity for you to support teachers in communities across Washington State.

Learn more
Affinity Card - Kennewick
Kennewick High School Lions

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Walla Walla
Walla Walla High School Blue Devils

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Wenatchee
Wenatchee Affinity Card

Gesa’s Affinity Partnerships support over 30 community organizations. Gesa is committed to making a positive impact in the communities we serve. This unique program empowers you and all our members to earn funds for local schools or community organizations just by using your debit card, and cost you nothing.

Learn more
Affinity Card - Westside
WestSide Affinity Card

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Edmonds-Woodway
Edmonds-Woodway Warriors

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Talley High School
Talley High School Otters

Gesa’s Affinity Partnerships support over 30 community organizations. Gesa is committed to making a positive impact in the communities we serve. This unique program empowers you and all our members to earn funds for local schools or community organizations just by using your debit card, and cost you nothing.

Learn more
Affinity Card - Renton
Renton High School Redhawks

Gesa’s Affinity Partnerships support over 30 community organizations. Gesa is committed to making a positive impact in the communities we serve. This unique program empowers you and all our members to earn funds for local schools or community organizations just by using your debit card, and cost you nothing.

Learn more
Affinity Card - Lindbergh
Lindbergh High School Eagles

Gesa’s Affinity Partnerships support over 30 community organizations. Gesa is committed to making a positive impact in the communities we serve. This unique program empowers you and all our members to earn funds for local schools or community organizations just by using your debit card, and cost you nothing.

Learn more
Affinity Card - Hazen
Hazen High School Highlanders

Gesa’s Affinity Partnerships support over 30 community organizations. Gesa is committed to making a positive impact in the communities we serve. This unique program empowers you and all our members to earn funds for local schools or community organizations just by using your debit card, and cost you nothing.

Learn more
Affinity Card - West Valley
West Valley High School

Gesa’s Affinity Partnerships support over 30 community organizations. Gesa is committed to making a positive impact in the communities we serve. This unique program empowers you and all our members to earn funds for local schools or community organizations just by using your debit card, and cost you nothing.

Learn more
Heritage University
Heritage University

Gesa’s Affinity Partnerships support over 30 community organizations. Gesa is committed to making a positive impact in the communities we serve. This unique program empowers you and all our members to earn funds for local schools or community organizations just by using your debit card, and cost you nothing.

Learn more
Affinity Card - Forevergreen Card
Forevergreen

With the Forevergreen debit card, we support tree-planting efforts in the Pacific Northwest every time you use your card.

Learn more
Affinity Card - Prosser
Prosser High School Mustangs

Gesa’s Affinity Partnerships support over 30 community organizations. Gesa is committed to making a positive impact in the communities we serve. This unique program empowers you and all our members to earn funds for local schools or community organizations just by using your debit card, and cost you nothing.

Learn more
Vanguard Academy
Vanguard Academy

Gesa’s Affinity Partnerships support over 30 community organizations. Gesa is committed to making a positive impact in the communities we serve. This unique program empowers you and all our members to earn funds for local schools or community organizations just by using your debit card, and cost you nothing.

Learn more
Affinity Card - Chiawana
Chiawana High School Riverhawks

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Healthcare
Healthcare – Local Heroes

The Healthcare Local Heroes Gesa debit card provides the opportunity for you to support healthcare programs, services, and equipment in communities across Washington State.

Learn more
Affinity Card - WSU White
WSU (White Coug Logo)

Your support helps the Cougar Athletic Fund

Learn more
Affinity Card - WSU Crimson
WSU (Crimson Coug Logo)

Your support helps the Cougar Athletic Fund

Learn more
Affinity Card - Grey
WSU Gray

Your support helps the Cougar Athletic Fund

Learn more
Affinity Card - WSU Black
WSU Black

Your support helps the Cougar Athletic Fund

Learn more
Affinity Card - WSU For Life
WSU (Black 4Life)

Your support helps the Cougar Athletic Fund

Learn more
Affinity Card - Highline College
Highline College Thunderbirds

Your support funds emerging needs of the college community, such as emergency support for students and funding for staff and faculty driven projects.

Learn more
Affinity Card - Everett
Everett Community College Trojans

Your support funds areas of greatest need across the college community.

Learn more
Affinity Card - CBC
Columbia Basin College Hawks

Your support contributes to the Student Emergency Fund, which is used for books, supplies, rent, and tuition.

Learn more
Affinity Card - Naches Valley
Naches Valley High School Rangers

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Moses Lake
Moses Lake High School Mavericks

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Liberty Christian
Liberty Christian Patriots

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Americans
Tri-City Americans

Take your Americans pride everywhere you go! Gesa is proud to be the official credit union of the Tri-City Americans.

Learn more
Affinity Card - WSU Classic
WSU (White Retro Coug)

Show your Cougs pride and support the students of Washington State University with every swipe!

Learn more
Affinity Card - College Place
College Place High School Hawks

Your support helps fund students in Future Business Leaders of America attend state and national leadership conferences.

Learn more
Affinity Card - Columbia
Columbia High School Coyotes

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Davis
Davis High School Pirates

Your support funds projects that enhance the educational experience in schools across the Yakima School District.

Learn more
Affinity Card - Delta
Delta High School

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Dust Devils
Tri-City Dust Devils

Only Gesa, the official credit union of the Tri-City Dust Devils, brings you the Dust Devils Gesa debit card.

Learn more
Affinity Card - Eastmont
Eastmont High School Wildcats

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Edmonds Heights
Edmonds Heights District K-12 Falcons

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Edmonds School Foundation
Edmonds School District Foundation

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Eisenhower
Eisenhower High School Cadets

Your support funds projects that enhance the educational experience in schools across the Yakima School District.

Learn more
Affinity Card - Firefighters
Firefighters – Local Heroes

The Firefighters Local Heroes Gesa debit card provides the opportunity for you to support firefighters in communities across Washington State.

Learn more
Affinity Card - Hanford High School
Hanford High School Falcons

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more
Affinity Card - Kamiakin
Kamiakin High School Braves

Your support impacts students by funding academic programs, athletics, and extracurricular activities like DECA, music, FBLA, FFA, and more.

Learn more

Member-owned. 

No shareholders.
Community-focused.

When you bank with us, you keep your money in your community and give back to local schools and organizations.

Consumer Lending Pattern

Gesa gives back through scholarships, free seminars, and more.

We are committed to making a positive impact in the communities we serve through scholarships and projects that support schools, education, and Local Heroes. We’ve reached 55,000+ participants through financial education efforts since 2015.

$3.8 million

Given back to our communities in 2022

$630,000

In scholarships awarded to local students since 1987

$1 million

Awarded to local schools through our Affinity Card Program

Gesa University Section
Financial Education

To those who say, “I’m not good with money.” We say, “yet.”

People helping people.

Gesa credit union is committed to making a positive impact in the communities we serve.

Affinity Partner Cards

Affinity debit cards give back to your community when you swipe.

We're in the business of growing yours.

We have the accounts, products, and services to help you and your small business succeed.

Business owner

Business Visa:
A low-rate card made for business owners.

Learn More

Banking made for you.

With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.

Gesa customer using card

Up to 5.00% APY
On select checking accounts!

Learn More

We have upgraded to a new account opening process. Click Get Started to continue.

Getting started is easy!

Applying should only take a few minutes. Please have these documents ready:

Call (888) 946-4372 or apply at a branch

Already a member?

Use your online banking log-in to pre-fill your application with saved information.

Notes & Fees Glossary

 Disclaimer
*APY* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of the first day of the month – the last dividend declaration date.
SmartPlus Checking*To earn the higher rate, you must:
  1. Enroll in eStatements
  2. Make a monthly direct deposit of over $200
  3. Complete 15 debit card transactions
  4. Provide and maintain a valid email address
  5. Limit one account per member
For any month where the account does not meet the qualification requirements, the account will earn a lower rate. Minimum balance of $5 needed to open.Qualifying account balances meet minimum requirements. APY subject to change monthly. Rate may change after the account is opened. The qualifying period begins with the first day of the calendar month and ends on the last day of the calendar month at 6:00 P.M. Pacific Time. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings. Limit of one specialty checking account (Smart Plus Checking) per member.

* * * * *