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 –

Bundle up and earn up to $500

Rake in the rewards with every add-on!

January is a time for refocusing, reorganizing, and refreshing goals. That’s why we’re rewarding you for kicking off the new year with financial upgrades.

There are multiple ways you can earn:

  • Earn $250 when you open a SmartPlus Checking account
    • To qualify you must:
      • Have a membership establishing savings account
      • Enroll in eStatements
      • Make 15 debit card transactions
      • Receive a payroll or government benefit direct deposit
  • Earn $150 when you open or move a direct Auto, Boat or RV loan to Gesa—can be earned for each loan or refinance!
  • Earn $50 when you open a Gesa Visa® credit card
  • Earn $50 when you open a personal loan or personal line of credit

Having questions is normal, and we can help! Call us at (888) 946-4372, or visit your local branch.

APY = Annual Percentage Yield. Available for a limited time.

1 To be eligible for the $250 checking incentive, you must open a new SmartPlus checking account, enroll in eStatements, complete 15 debit card transactions (ATM transactions excluded), and receive a payroll or government benefit direct deposit within 60 days of opening the checking account. The checking account must be opened with a minimum of $5 if opened in the branch, or $25 if opened online. No minimum ongoing balance is required. Only one $250 SmartPlus checking incentive can be earned per member. You must not have had a Gesa checking account within the last 90 days to be eligible.

Rates effective as of the last dividend declaration date. SmartPlus checking accounts earn 7.00% APY on the first qualified $5,000 in balances. Amounts over $5,000 earn 0.01% APY. In order to earn 7.00% APY on the first $5,000 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. Rates, terms, and fees are subject to change any time after account opening. Fees may reduce earnings. Limit of one SmartPlus checking account per member.

2 To be eligible for the $150 auto, boat, or RV loan incentive, you must open a new direct auto, boat or RV loan, subject to credit approval. Refinances are eligible for the $150 incentive if the loan is more than 90 days old and from another financial institution. There is no limit to the number of auto loan incentives you can earn.

3 To be eligible for the $50 Visa® credit card incentive, you must open a new Wise or Cash Rewards credit card, subject to credit approval. Only one $50 Visa® credit card incentive can be earned per member. You must not have had a Gesa credit card within the last 90 days.

4 To be eligible for the $50 personal loan or personal line of credit incentive, you must open a new personal loan or line of credit, subject to credit approval. Only one $50 personal loan or line of credit incentive can be earned per member. You must not have had a Gesa personal loan or personal line of credit account within the last 90 days to be eligible.

All incentives earned will be paid to your savings account within 60 days of meeting the qualifications.

Bundle and Earn

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

 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.

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