Rates as low as 5.49% APR
Life’s better with lower payments—move your auto loan to Gesa and drive happy.
How long will your retirement savings last?
You now have free access to easy-to-use tools to help you prepare for retirement.
Every Gesa debit card gives back
You swipe, we give back to local organizations that help our community thrive—at no cost to you!
Introducing the Gesa Credit Union Pavilion!
We’re bringing more free events, affordable programming, and community support to Spokane.
Rates as low as
5.49% APR
Move your auto loan to Gesa and drive happy.
0% on all balance transfers for 6 months
Wise credit card. Wise choice.
Gesa’s 72nd Annual Membership Meeting is scheduled for April 9, 2025 at 6:00 p.m.
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.
Discover the best rates around.
Checking
Savings
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Loans
Checking
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Credit Cards
Wise Secured Card
+ APR*
Card for rebuilding a credit score.
Rate based on terms
Loans
Home Equity Line of Credit
+ APR*
A flexible line of credit.
Loan rate based on terms
Gesa gives back through scholarships, free seminars, and more.
We are dedicated to making a positive impact in the communities we serve by supporting schools, education initiatives, and honoring Local Heroes through scholarships and special projects. Since 2016, we’ve donated $1,820,728 to high schools through our affinity card program.
Given back to our communities in 2024
$
0
million
In scholarships awarded to local students in 2024
$
0
Awarded to local schools through our Affinity Card Program in 2024
$
0
Help bring awareness to home fire safety
Financial Education
To those who say, “I’m not good with money.” We say, “yet.”
Gesa University
Notes and Fees
Auto Refinance
*APR = Annual Percentage Rate. Offer valid for auto loans currently financed through other financial institutions only and not available for new purchases. Cash out refinances from other institutions and own title loans are acceptable. Auto loans must be at least 90 days old in order to refinance with Gesa. Existing loans financed through Gesa are not eligible for this promotion. In order to qualify for the lowest rate of 5.24% and no payments for 120 days with interest continuing to accrue during this time, you must meet certain credit criteria and have relationship pricing. Relationship pricing includes 0.25% discount for having a Gesa checking account, and 0.50% discount for having a Gesa Visa® credit card. Additionally, rate includes 0.25% discount for autopay transfer from a checking or savings account at the time the loan is originated by members who refinance with Gesa. Not all members will qualify. Ineligible Collateral: Vehicles greater than one ton, any vehicles or collateral titled as commercial or intended for commercial use. No salvage vehicles, branded titles, lemon-law buy-backs, straw purchases, or vehicles/motorcycles over 125,000 miles. All loans subject to approval. Contact Gesa Credit Union for details.
SmartPlus Checking
*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 12/01/24, the last dividend declaration date. Minimum opening balance of $25 required if the account is opened online.
In order to earn 3.00% APY and receive unlimited domestic ATM fee refunds, you must meet the following requirements during each monthly qualifying period: provide and maintain valid email address, apply for and use your Visa debit card to make 15 debit card transactions that post and settle to your account, have at least one direct deposit of $200 or more post to your account, and enroll to receive eStatements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY will apply to the entire balance.
Dividends on a SmartPlus Checking account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. 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. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. No monthly fees and no minimum balance required to open or maintain account unless opened online. Fees could reduce earnings on the account. Limit of one SmartPlus Checking account per member.
Cash Rewards Card
Please refer to your Visa® Cash Rewards Credit Card Disclosure for important information about rates, fees and other transaction fees.
† Visa Signature Concierge. Certain terms, conditions, and exclusions apply. In order for coverage to apply you must use your covered Visa® card to secure transactions. Please refer to your Visa® Cash Rewards Terms and Conditions for further details.
Cardholder Benefits Documents
*APR = Annual Percentage Rate. Offer valid on new Visa® Cash Rewards credit card accounts only. Account transfers such as lost, stolen, or Program changes are not considered new accounts and do not qualify for $100 bonus. For qualifying new accounts opened on or after 12/01/24, earn a $100 cash rewards bonus upon reaching $1,000 in net purchase transactions made with your Cash Rewards credit card account within 90 days of the account opening date. For qualifying new accounts, 0% introductory rate is valid on balance transfers for 6 months. Balance transfers must be completed within 60 days from the date the account is opened to obtain the introductory rate. After introductory period has concluded on balance transfers, the APR will return to the regular rate and monthly periodic rate as specified in the Card Agreement (as low as 17.74% – 28.99% for Cash Rewards). The APR is a variable rate that is based on the Prime Rate as published in the Wall Street Journal.
Routing Number: 325181248
51 Gage Blvd. Richland, WA 99352
Federally insured by NCUA
Equal Housing Opportunity
Co-op Shared
Branch
© Gesa Credit Union. All Rights Reserved.
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We have the accounts, products, and services to help you and your small business succeed.
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With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.
Up to 5.00% APY
On select checking accounts!
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Routing Number 325181248
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:
- Social Security Number (SSN)
- Color copy of driver's license, state ID, or US Passport
- Contact info
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Opening deposit by debit card or e-transfer*
*Credit cards are not accepted.
Call (888) 946-4372 or apply at a branch
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Use your online banking log-in to pre-fill your application with saved information.
You can easily change your debit card through our affinity form.
Notes & Fees Glossary
| Disclaimer | ||
|---|---|---|
| SmartPlus Checking | [APY] Minimum opening balance of $25 required if the account is opened online. In order to earn APY and receive unlimited domestic ATM fee refunds, you must meet the following requirements during each monthly qualifying period: provide and maintain valid email address, apply for and use your Visa debit card to make 15 debit card transactions that post and settle to your account, have at least one direct deposit of $200 or more post to your account, and enroll to receive eStatements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY will apply to the entire balance. Dividends on a SmartPlus Checking account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. 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. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. No monthly fees and no minimum balance required to open or maintain account unless opened online. Fees could reduce earnings on the account. Limit of one SmartPlus Checking account per member. APY is accurate as of , the last dividend declaration date. | A7KD4W9LQXZT |
| Smart Checking | *There is a minimum opening balance requirement of $25.00 if the account is opened online. Regular users of Gesa’s electronic services may want to consider SmartPlus Checking for additional benefits. [Courtesy Pay] | M3VY82CNRLKP |
| Student Checking | [APY] Dividends on Student Checking Accounts are calculated using the daily balance method and will be credited to the member’s account every month. Rate may change after the account is opened. If you close your account before dividends are paid, you will not receive the accrued dividends. The minimum balance to open an account is $5.00, the par value of a share. Courtesy Pay is not offered on Student Checking Accounts. Only electronic transactions such as debit card or ACH transactions are permitted. Fees could reduce earnings on the accounts. | JXZ7V5MWLQ92 |
| Smartplus Savings | [APY] In order to earn a high dividend rate, you must meet the following requirements during the qualifying monthly period: a) provide and maintain a valid email address; and b) be enrolled to receive e-statements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY would apply to the entire balance. Dividends on an SmartPlus Savings Account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. 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. Limited to one SmartPlus Savings account per member. | P9T6QF2XJBLC |
| Smart Savings | [APY] Dividends on Smart Savings are calculated using the daily balance method and are paid monthly. Rate may change after the account is opened. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings on the account. | Y4MKZ3WVTPQ8 |
| High-Yield Savings | [APY] Dividends on the High Yield Savings account are calculated using the daily balance method and are paid monthly. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings. | NDLXQ98R5VTE |
| Money Market | [APY] Dividends for the Money Market Account are calculated using the daily balance method which applies a daily periodic rate to the balance in the account each day. You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield. The minimum balance required to open this account is $2,500.00. There is a minimum average daily balance of $2,500.00 required to avoid a service fee for the calendar month. If the minimum average daily balance requirement is not met, you will be charged a service fee as stated in the Consumer Fee Schedule. New rates are set on the first of each month; rate may change after the account is opened. Fees could reduce earnings on the account. | GQ37ZVKY1WLM |
| Fixed Certificate | [APY] A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to open the certificate is stated in the chart. Early withdrawal penalties apply (a penalty may be imposed for withdrawals before maturity): 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. If your account has an original maturity of 36-months or more – up to, but less than 48-months: The penalty will equal 365 days interest on the amount withdrawn subject to penalty. If your account has an original maturity of 48-months or greater: The penalty will equal 540 days interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. For any account which earns an interest rate that may vary during the term such as a bump certificate, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal. You may make withdrawals of principal from your account before maturity. In making such withdrawals, your balance may not fall below the minimum or we will close your account. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest only on the crediting dates without penalty. A $500 minimum deposit is required for consumer, IRA, and business certificates. Early withdrawal penalties may apply and may reduce earnings. Certificate rate is for a limited time only and could end at any time. Stated rate as of the first day of the month. | H85PLKJXZ2QM |
| Bump Certificate | [APY] A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to open the certificate is stated in the chart. The Certificate owner must contact Gesa Credit Union to request the one-time rate increase on Bump Certificate accounts. The rate on the Bump Certificate will be changed on the following business day of the date Gesa Credit Union receives the request. The bump option can only be exercised once during the term of the Certificate and does not increase the term of the certificate. The new interest will not be applied retroactively. The new interest rate will be the interest rate we are then offering on regular certificates (non- bump rate certificates) that have the same term and minimum balance. Bump Certificates are only available for consumer and IRA Certificates. Early withdrawal penalties will apply. Minimum deposit balance must be maintained to earn APY and fees may reduce earnings on the account. Special offer for a limited time only. | RXNQ72MLYV9C |