Routing Number 325181248
Checking and savings —
Bump Certificates
Grow your money with Gesa Bump Certificates
Bump Certificates offer you the flexibility to maximize savings. If rates increase, you can “bump up” your certificate to the current rate once during the term.
- We offer a variety of term options to best support your savings goals
- Access a one-time rate increase during the term of your Certificate
- Deposits insured to at least $250,000 by the National Credit Union Administration - an agency of the Federal Government
To learn more about Bump Certificates, call us at (888) 946-4372 or stop by a branch near you.
| Term (months) | APY* (min. balance $500.00) | APY* (min. balance $50,000.00) | APY* (min. balance $100,000.00) |
|---|---|---|---|
| 3 | |||
| 6 | |||
| 12 | |||
| 18 | |||
| 24 | |||
| 30 | |||
| 36 | |||
| 48 | |||
| 60 | |||
| 84 |
* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 01/01/2023, the last dividend declaration date. 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.
Notes and Fees
* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of , the last dividend declaration date. 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.
Current Rates:
| Term (months) | APY* (min. balance $500.00) | APY* (min. balance $50,000.00) | APY* (min. balance $100,000.00) |
|---|---|---|---|
| 12 | |||
| 24 | |||
| 36 | |||
| 48 | |||
| 60 |
| Term (months) | APY* (min. balance $500.00) | APY* (min. balance $50,000.00) | APY* (min. balance $100,000.00) |
|---|---|---|---|
| 12 | 2.45% | 0.90% | 1.00% |
| 24 | 2.00% | 1.15% | 1.25% |
| 36 | 2.00% | 1.40% | 1.50% |
| 48 | 2.10% | 1.65% | 1.75% |
| 60 | 2.35% | 2.55% | 2.75% |
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Online and Mobile banking
24-hour access to your accounts to make transfers, deposit checks, and more.
Learn more -
Variety of term options
Access to a variety of term options to best support your goals.
-
Flexible rates
Competitive and flexible rates that work for your lifestyle.
Still have questions?
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Gesa offers many other services to help members accomplish their financial goals, such as Cashier’s Checks, Safe Deposit Boxes, Savings Bond Redemption, and Notary Service.
Still have questions?
Routing Number: 325181248
51 Gage Blvd. Richland, WA 99352
Federally insured by NCUA
Equal Housing Opportunity
Co-op Shared Branch
Federally insured by NCUA
Equal Housing Opportunity Lender
Co-op Shared Branch
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Notes & Fees Glossary
| Disclaimer | |
|---|---|
| *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:
|