Routing Number 325181248
Checking and savings —
SmartPlus Savings
A savvy way to get a great rate and establish a membership.
SmartPlus Savings
keeps getting smarter
SmartPlus Savings offers a competitive 7.00% APY* on the first $500 in balances, empowering members with enhanced returns, minimal fees, and the opportunity to easily establish Gesa membership.
- Earn the market leading rate ( APY*) on your first $500 in balances*
- You can use this account to establish Gesa membership (with a $5 deposit)
How to qualify
- Enroll in eStatements
- Limit one account per member
* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 03/04/23, the last dividend declaration date.
In order to earn a high dividend rate, you must meet the following requirements during the qualifying monthly period: a) provide and maintain a valid email address; and b) be enrolled to receive e-statements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY would apply to the entire balance.
Dividends on an SmartPlus Savings Account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. 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. Limited to one SmartPlus Savings account per member.
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.
In order to earn a high dividend rate up to 7% APY, you must meet the following requirements during the qualifying monthly period: a) provide and maintain a valid email address; and b) be enrolled to receive e-statements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” APY would apply to the entire balance.
Dividends on a SmartPlus Savings Account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. 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 an account. Minimum opening deposit of $5. Fees could reduce earnings. Limited to one SmartPlus Savings account per member.
APY*
On your first in balances.
APY* for balances over .
Benefits with all Gesa savings accounts
Online and Mobile banking
24-hour access to your accounts to make transfers, deposit checks, and more.
Nationwide ATMs
Access to over 70,000 surcharge free ATMs throughout the CU24 credit union ATM network.
Card Controls
Remote card controls and custom alerts to keep you in the loop about your money.
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Online and Mobile banking
24-hour access to your accounts to make transfers, deposit checks, and more.
Learn more -
Nationwide ATMs
Access to over 70,000 surcharge free ATMs throughout the CU24 credit union ATM network.
Learn more -
Card Manager
Card manager and custom alerts to keep you in the loop about your money.
Learn more
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
Still have questions?
Your SmartPlus 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.
APY, or Annual Percentage Yield, represents the effective annual rate of return on your SmartPlus Savings account, factoring in the compound interest earned over a year on your deposited funds.
By opening a SmartPlus Savings account with a minimum deposit, typically a small amount like $5, you can become a member of Gesa Credit Union, unlocking various benefits and services tailored to members’ financial needs.
A credit union savings account typically offers higher interest rates, lower fees, personalized service, community-oriented benefits, and member ownership compared to traditional banks.
Still have questions?
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Checking and savings
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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Getting started is easy!
Applying should only take a few minutes. Please have these documents ready:
- Social Security Number (SSN)
- Driver's license or state ID
- Contact info
- Opening deposit by debit card, credit card, or e-transfer
Call (888) 946-4372 or apply at a branch
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Use your online banking log-in to pre-fill your application with saved information.
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Up to 5.00% APY
On select checking accounts!
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:
|