Welcome to Gesa, South Hill!
We’re excited to join your community.
At Gesa, you’re not only managing your money wisely–you’re also actively contributing to local heroes, schools, and organizations in South Hill.
Grand Opening Specials
Visit our new South Hill branch at 2107 E. 29th Ave, Spokane to take advantage of these exclusive limited-time offers!
- Earn $150 when you open a qualifying Smart Checking account
- Earn $150 when you open or move a direct Auto, Boat or RV loan to Gesa—can be earned for each loan or refinance
- Earn $50 when you open a personal loan or personal line of credit
- Earn $100 with the Gesa Visa® Cash Rewards card
Grand Opening Events
Friday, June 6 | 6:45am
Perk Up @ Brew Peddler
Stop by Brew Peddler and enjoy a free cup of coffee courtesy of Gesa—while supplies last!
Tuesday, June 10 | 9am – 5pm
Grand Opening Celebration
Swing by our new branch and enjoy some goodies and giveaways! Our Cash Grab Booth6 will be on-site for new members who join Gesa! Plus, KISS 98.1 and 97.3 The Mountain will be joining us throughout the day to share in all the fun. We’ll also be showing appreciation for South Hill’s Local Heroes prior to our ribbon-cutting ceremony.
Friday, June 13 | 6:45am
Kindness Brews @ The Shop
Swing by, say “hello” and grab a cup o’ joe at The Shop courtesy of Gesa—while supplies last!
Friday, June 20 | 7:45am
Jump for Java Joy @ Dane Joe
Get your caffeine fix with a free treat at Dane Joe courtesy of Gesa—while supplies last!
Branch Hours
Monday
9:00 AM – 6:00 PM
Tuesday
9:00 AM – 6:00 PM
Wednesday
9:00 AM – 6:00 PM
Thursday
9:00 AM – 6:00 PM
Friday
9:00 AM – 6:00 PM
Saturday
9:00 AM – 1:00 PM
Sunday
Closed
Want to support a specific cause near and dear to your heart?
Snag your choice from over 65 Affinity cards that fund your local high school, plant trees in the PNW, or give back to local heroes like healthcare workers, firefighters, law enforcement, educators, or Veterans.
Notes and Fees
*APY = Annual Percentage Yield. Incentives will be paid by a direct deposit into the member’s savings account, after all qualification criteria are met and within 60 days of account being open. The incentive payments are subject to required IRS reporting. New members must not have had a Gesa membership within the last 90 days to qualify for these promotions. These offers are available beginning May 12, 2025. Offers are for a limited time only and may end at any time.
1 To be eligible for the $150 checking incentive, you must have a membership-establishing savings account, open a new Smart Checking account, and enroll in eStatements. No minimum ongoing balance is required. Only one $150 Smart Checking incentive can be earned per member. You must not have had a Gesa checking account within the last 90 days to be eligible. Rates, terms, and fees are subject to change any time after account opening. Incentive available at South Hill location only.
2 To be eligible for the $150 auto, boat, or RV loan incentive, you must open a new direct auto, boat or RV loan. All loans subject to credit approval. Refinances are eligible for the $150 incentive only if the loan is from another financial institution. There is no limit to the number of auto loan incentives you can earn. Incentive available at South Hill location only.
3 To be eligible for the $50 personal loan or personal line of credit incentive, you must open a new personal loan or line of credit. All loans subject to credit approval. Only one $50 personal loan or line of credit incentive can be earned per member. You must not have had a Gesa personal loan or personal line of credit account within the last 90 days to be eligible. Incentive available at South Hill location only.
4 Offer valid on new Visa® Cash Rewards credit card accounts only. Account transfers such as for lost, stolen, or Program changes are not considered new accounts and do not qualify for $100 bonus. For qualifying new accounts, 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 (17.49% – 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.
6 Beginning June 10, 2025, for a limited time only, new members who open a savings account to establish membership with Gesa will be eligible for the Cash Grab Booth. The savings account must be opened with a minimum deposit of $5. The Cash Grab Booth cash bonus will be paid by direct deposit into the savings account within 60 days of account opening. Early closure penalties may apply if closed within 60 days.
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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Routing Number 325181248
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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 |