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Commercial Banking —

Savings Accounts

Gesa makes your money work harder with savings options that optimize your cash flow

  • Convenient
  • Online Banking access
  • Ensure your membership as a business account member
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FAQ

Savings for your business

  • Low minimum balance of $100 to open and maintain the account
  • Competitive rates assure that your funds are working for you
  • Low monthly service charge can be waived based on the aggregate average daily balances in all other Business accounts
  • Use this account for overdraft protection for a checking or money market account

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

Dividends on Business Savings are calculated using the daily balance method and are paid monthly. Rate may change after the account is opened. The minimum balance to open the Savings Account is $100.00 and you must maintain a minimum $100.00 in your account to avoid a service fee. A minimum daily balance of $500.00 in the account each day is necessary to earn the stated APY. Fees could reduce earnings on the account. APY is accurate as of 07/01/2022.

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

With a minimum daily balance of $500 in the account each day to obtain this APY.

Contact Gesa to open a Business Savings Account

Business Certificates Rates

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

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)
3
6
12
18
24
30
36
48
60

Why go with Gesa?

When you bank with Gesa, you keep your money in your community and give back to local schools and organizations.

  • $500,000+ given back to local communities
  • Scholarship opportunities for local students
  • Sponsorships and grants for local organizations and events
Learn more about community impacts
Scholarships
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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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325181248

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51 Gage Blvd.
Richland, WA 99352

(888) 946-4372

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Gesa credit union is committed to making a positive impact in the communities we serve.

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We have the accounts, products, and services to help you and your small business succeed.

Gesa For Businesses
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Business Visa:
A low-rate card made for business owners.

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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.

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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.

* * * * *