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Local Credit Unions Unite for International Credit Union Day® to Support Tri-Cities Chaplaincy

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RICHLAND, WASH. (October 16, 2025) ‒ In celebration of the 77th annual International Credit Union (ICU) Day®, which falls on October 16, five local credit unions – Gesa, HAPO, ICCU, Numerica, and STCU – are partnering with Tri-Cities Chaplaincy to assemble and distribute grief support kits for children and families in need. 

 

Cork’s Place, Tri-Cities Chaplaincy’s children’s grief program, provides these kits as an accessible resource for families who may not be able to attend its physical center. Each kit includes age-appropriate items to help guardians guide children through loss – from journals and memorization tools to books tailored to the type of grief, whether that be from the loss of a parent, sibling or pet. Local schools also rely on the kits to support classrooms impacted by tragedy. In 2025 alone, Cork’s Place distributed more than 400 kits.  

 

As part of this year’s collaboration, credit union team members will volunteer side-by-side to assemble hundreds of kits for future distribution. The credit unions will also pool resources to provide a combined donation of $22,000, ensuring the program can reach even more families across the Tri-Cities.  

 

In addition to building grief kits, volunteers will help set up a series of activity rooms at Cork’s Place designed to help children process grief in safe, accessible, and age-appropriate ways, including: 

 

  • Recreation Room: Utilizing a life-size “Grief Jenga and Connect Four” to spark conversations about feelings and coping strategies 
  • Art Room: Featuring a “Resilience Shield” activity, where children design shields to represent their strengths 
  • Teen Room: Offering a “Grief Monsters” project that helps normalize big emotions through art 
  • Paint Splatter Room: Inviting participants to respond to reflective questions through movement and creativity 

 

“At the heart of credit unions is the belief that we make the greatest difference for our communities when we come together.” said Amber Merrill, Community Relations Manager at Gesa Credit Union. “By working with our fellow credit unions to support Tri-Cities Chaplaincy and uplift local families facing hardship, we’re living out the philosophy of ‘people helping people’ in its truest form.” 

 

This International Credit Union Day, the participating credit unions aim to raise awareness about the positive role that credit unions and other financial cooperatives play in their communities and encourage more members to get involved. This year’s theme, “Cooperation for a Prosperous World,” captures the spirit of this work. 

 

International Credit Union Day celebrates the spirit of the global credit union movement. This day is recognized to reflect upon the credit union movement’s history, promote its achievements, recognize its hard work, and share member experiences. International Credit Union Day has been celebrated on the third Thursday of October since 1948.  

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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.
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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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