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Welcome former Security State Bank Members. You can still access all your usual services at ssbwa.com, as well as the same online banking, branch locations, ATMs, and familiar staff to assist you. We’ll keep you informed at every step as we transition sites and systems through the end of the year.
Welcome former Security State Bank Members. Your usual services are accessible at ssbwa.com. We’ll keep you informed as we transition systems.
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Gesa in the Community —

Financial Learning Simulations

Making a positive impact through real-life financial learning

Simulations and experiential learning programs are a powerful expression of Gesa’s commitment to education and making a positive impact in our communities. They are open to members and non-members, schools, faith-based groups, civic clubs, local businesses, and community organizations. Simulations are more engaging and beneficial than a standard classroom setting because of the environment created during the session. 

Group Consulting

Real-life community experiences – Life Simulations

According to 2018 data from the state Office of Financial Management, over 10% of Washingtonians live in poverty. It can be difficult for those who are financially secure to truly understand the situations, decisions, fears, and frustrations that low-income families experience every day. We invite you to walk a mile in their shoes by participating in this real-life community experience. 

Attend a free life simulation to: 

  • Make day-to-day decisions through this powerful, role-playing activity 
  • Understand the life circumstances that impact your customers and employees 
  • Discuss the challenges that poverty presents and how your organization can work for positive change in your community 

Are you interested in hosting a simulation at your business, organization, or community group? Life Simulations include:  

  • Free 2-hour training 
  • Minimum of 40 participants and a maximum of 90 participants per session 
  • Host at your location anywhere in Washington State or at United Way in Kennewick, WA 

Connect your lifestyle choices to your retirement savings plan – Retirement Fair

In this experiential learning simulation, participants visit seven lifestyle booths with themes such as gifts and charitable giving, travel and leisure, and housing. At each booth, participants answer a series of questions and assess how much they will likely spend on that aspect of their lifestyle. After visiting each booth, participants will learn how to connect their lifestyle choices to their retirement savings. This simulation takes approximately 60 minutes to complete and is designed to prompt participants to help assess and save for their ideal retirement lifestyle and “Retire on Track”. 

Financial Reality Fair for high school students

The Financial Reality Fair concept is a unique learning opportunity for students to navigate many of the financial realities they will face as adults. Gesa’s Reality Fair is a hands-on experience in which students identify a career choice and starting salary and aim to develop a balanced monthly budget, paying for items like housing, transportation, and childcare. Throughout the fair, students are faced with temptations for additional spending and must learn to balance their wants and needs.

Designed specifically for high school students, this two-hour experiential learning program is a perfect complement to state financial education curriculum. Our customized setup options allow us to bring this simulation to any community organization or school.

Request a Simulation

To inquire on how to host a simulation for your group, please fill out the form below and we will follow up with you shortly.

More from Gesa in the Community

Group Clapping

Seminars

We offer free financial literacy materials and workshops to high schools, colleges, clubs, businesses, and other groups.

Learn More

We're in the business of growing yours.

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

Gesa Credit Union business member and adhesive company owner showcasing innovative bonding solutions in Washington State.
Two smiling small business owners stand behind the counter of their café, supported by Gesa Credit Union’s business banking services.
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.

Friendly Gesa Credit Union teller assisting a member at service window number 3.
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.

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.
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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]
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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