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Commercial Banking —

Business Certificates

Rates
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High-yield, fixed-rate savings

If you’re seeking a higher-yielding fixed-rate savings account for funds that are in excess of your current operating requirements, consider our Business Certificate accounts. Benefits include:

  • Terms ranging from three to sixty months​
  • Interest is compounded and paid monthly and at maturity​
  • Choose one of three tier levels for your account​
  • Certificates can be used as collateral to secure a loan at a competitive margin​
Call to get started
Learn more

Minimum deposit balance must be maintained to earn APY and fees may reduce earnings on the account. Early withdrawal penalties will apply. Certificate rates are for a limited time only. Stated rates are as of 11/01/2022 and are subject to change.

Business Analysis Account Fees (PDF)

Business Account Fees (PDF)

To view the PDFs, you may need the free utility Adobe Reader. Click here to get it

Term (months)APY* (min. balance $500.00)APY* (min. balance $50,000.00)APY* (min. balance $100,000.00)
30.25%0.25%0.25%
60.65%0.70%0.75%
9*4.25%4.25%4.25%
120.80%0.90%1.00%
13*4.40%4.40%4.40%
17*4.55%4.55%4.55%
180.95%1.05%1.15%
241.05%1.15%1.25%
301.15%1.25%1.35%
361.30%1.40%1.50%
481.55%1.65%1.75%
601.70%1.85%2.00%
<!----> <!----> <!---->
Term (months) APY* (min. balance $500.00) APY* (min. balance $50,000.00) APY* (min. balance $100,000.00)
3
6
7
12
13
18
24
25
30
36
48
60
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Gesa Credit Union
Gesa Credit Union

51 Gage Blvd. Richland, WA 99352

Routing Number: 325181248

(888) 946-4372

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A low-rate card made for business owners.

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With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.

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Up to 5.00% APY
On select checking accounts!

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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:
  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.

* * * * *