Gesa branches will be closed on Saturday, November 11th for Veterans Day. Learn more about our holiday hours.

Gesa Credit Union will be closed on February 19, 2024 for Presidents' Day. This includes all branches and our Member Contact Center. Regular hours will resume February 20, 2024.

Update Notice: We're improving our systems on the evening of November 4. Gesa members may experience overnight service disruptions. Thank you for your understanding.

Spokane Wildfire Relief: Join Us in Making an Impact.

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Promotions –

Bump CDs that earn up to 1.15% APY

Bump Certificates of Deposit

If your money is growing slower than you’d like it to, then our Bump CDs are your solution! Bump CDs offer a flexible way to maximize your savings. If rates increase, you can “bump up” your certificate to the current rate once per term.

For a limited time, members like you can choose from two Bump CDs that earn market-leading interest:

12-month CD with a 0.90% APY*
24-month CD with a 1.15% APY*

IRAs and Business CDs are eligible for these promotional rates, too. Whether you’re saving for retirement, starting or expanding your business, or planning that next big vacation—these CDs will help you reach your goals quicker!

*APY = Annual Percentage Yield. A $50,000 minimum balance is required to earn the stated APY. Early withdrawal limitations and/or penalties may apply and may reduce earnings. Please visit for more information on applicable fees and terms. Bump Certificate rate is for a limited time only and could end at any time. Stated rate accurate as of August 1, 2023 and is subject to change. 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 extend the term of the certificate. The new interest rate 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, business, and IRA Certificates.

Bump CD Promo

0.90% APY*

12-month CD

1.15% APY*

24-month CD

People helping people.

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

Affinity Partner Cards

Affinity debit cards give back to your community when you swipe.

We're in the business of growing yours.

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

Business owner

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

Learn More

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.

Gesa customer using card

Up to 5.00% APY
On select checking accounts!

Learn More

We have upgraded to a new account opening process. Click Get Started to continue.

Getting started is easy!

Applying should only take a few minutes. Please have these documents ready:

Call (888) 946-4372 or apply at a branch

Already a member?

Use your online banking log-in to pre-fill your application with saved information.

Notes & Fees Glossary

*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.

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