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

Friendly Reminder: Unsure about an email or call claiming to be Gesa? Don’t risk it. Connect with us at (888) 946-4372 - we’re here to help keep you secure!

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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For Your Business —

Helping local businesses thrive

Whether you’re just starting up or have plans to expand your current business, we have the accounts, products, and services to help you succeed and reach your business goals.

With Gesa Commercial Banking, you get:

Checking & Savings

Competitive checking
and savings rates

Helpful Lenders

Experienced local

Commercial Real-Estate

Commercial real estate

Lending Provider

Preferred lending 
provider (SBA)

Overdraft Protection

Business overdraft

Knowledgable Advisors

Professional business

Flexible Financing

Flexible financing for real estate

Whether you’re looking to purchase, refinance, or build a new facility, we offers commercial real estate financing with flexible terms and competitive rates.

Apply for a commercial real estate Loan today by contacting your regional commercial banking lender.

Whether you’re just starting up or have plans to expand your current business, Gesa has the accounts, products, and services to help you succeed.

With Gesa Commercial Banking, you get:

  • Checking accounts that meet your business needs
  • Finances to fund your business start-up or expansion
  • Competitive rates and overdraft protection
  • Earn dividends for your business
  • Flexible terms to purchase, refinance, or build
  • Smooth and efficient management of your business finances
  • A Preferred Small Business Administration (SBA) Lender
  • Assistance to help you and your communities grow

Gesa pitches in where it matters most


Local Heroes

The Local Heroes Grants Program awards funds to eligible organizations that support Local Heroes in regions where Gesa is active.

Learn More

Real Estate

Real Estate

Real Estate

Public Deposits

Public Deposits

Public Deposits

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

Notes & Fees Glossary

*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.

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