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Upgrade to EarnSmart™Your team.
Your field.
Your credit union.
Since 2021, we’ve shown up for Coug fans, student-athletes, and the communities that bleed crimson and gray.
Choose the card that Cougs you
A WSU Affinity card is more than a way to pay. It’s a way to give back! Gesa donates to the Cougar Athletic Fund supporting WSU student-athletes on the field and in the classroom every time you use the card.
Exclusives you won't find in the general admission line
WSU Affinity cardholders get access to benefits that make game day—and every day—a little better.
*Junior Cougs discount available exclusively to Gesa members. Program details and pricing are set by WSU Athletics and subject to change.
How every swipe gives back
When you use your WSU Affinity debit or credit card, Gesa makes a donation to the Cougar Athletic Fund. That money goes directly to supporting WSU student athletes, helping cover the financial demands of competing at the college level, so they can focus on what they do best.
Since the partnership began, Gesa members have helped contribute $560,000+ to the Cougar Athletic Fund. That’s thousands of everyday purchases, coffee runs, grocery trips, and gas fill-ups, all quietly adding up to real support for Cougar athletes.
You don’t have to write a check to make a difference. You just use your card.
Welcome to Gesa Field
In 2021, Gesa Credit Union became the naming-rights partner of Washington State University’s football stadium, and Gesa Field was born. But this isn’t just a name on a building. It’s a commitment to showing up for the Cougar community, season after season.
Gesa Field is where Cougar fans gather on crisp fall Saturdays, where student athletes chase big dreams under the lights, and where a credit union rooted in the Pacific Northwest puts its money where its values are. From the first snap to the final whistle, Gesa is here. Not as a distant sponsor, but as a neighbor in the stands.
What you’ll find at Gesa Field on game day:
- Gesa fan booths with giveaways, prizes, and exclusive swag at select WSU home games
- On-field promotions including the Gesa scholarship moment and halftime experiences
- Opportunity to grab your WSU Affinity card on campus
Beyond game-day
Our partnership with WSU goes beyond the stadium. Here’s how Gesa supports Cougar students and the broader community.
The Richard Waddle Scholarship
Investing in future leaders
The Richard Waddle Scholarship, administered through WSU’s Carson College of Business, supports students who are building the skills to lead. Gesa is proud to fund this scholarship as part of our commitment to education across the Pacific Northwest.
Game-day scholarships
Winning moments that change everything
At every home football game, a WSU student has the chance to win a Gesa scholarship during half-time of each game. It’s one of our favorite moments of the season, because the best part of game day should belong to the students.
Financial education
Smart money starts on campus
Gesa offers financial education workshops for WSU student athletes and maintains two campus branches, so students can bank where they learn. Understanding money is a skill that pays off long after graduation.
Why Cougs Choose Gesa
Gesa Credit Union is member-owned, which means we work for you, not shareholders. Here’s what that looks like in practice:
Everyday banking
- Savings, checking, and lending options built around member value. As a not-for-profit credit union, we put earnings back into products and services designed to support your financial goals.
- Bank from anywhere. Online banking, mobile app, Zelle®, mobile wallet, and early direct deposit. Your money moves when you do.
- Branches and ATMs across the Northwest. Including two branches right on the WSU campus in Pullman.*
Home loans
- Home loan options for a range of buying needs. Programs available for eligible first-time homebuyers, with a team focused on helping Northwest families get into their first (or next) home.
Community
- Rooted in the Northwest. Founded in 1953 and committed to giving back to the communities we call home.
- Scholarship programs for the next generation. Supporting students across the Pacific Northwest, including right here at WSU.
FAQs
It’s the home of Washington State Cougar football in Pullman, where fans, students, and alumni gather every fall. Gesa became the official naming-rights partner in 2021 through a long-term commitment to WSU Athletics.
Gesa is the official credit union of WSU Athletics, supporting Cougars on and off the field. The partnership includes:
- WSU Affinity debit and credit cards
- Fan perks and event experiences
- Student scholarships and financial education
- Two full-service campus branches in Pullman
Every purchase helps give back—Gesa donates to the Cougar Athletic Fund when you use your WSU Affinity card. Members have already helped contribute over $560,000 to support student athletes.
Open a Gesa account and choose your WSU card design, or switch anytime in online banking or at a branch. Visit any Gesa location or go online to get started.
Enjoy exclusive game-day extras when you use your WSU Affinity card, including:
- Discounted tickets
- Limited-edition Cougar gear at select games
- Access to special WSU Athletics events
Gesa members get 20% off the Junior Cougs program, giving kids access to multiple WSU sporting events for one annual fee. Check with WSU Athletics for current program details.
Yes—there are actually two full-service Gesa branch right on campus in Pullman for easy, everyday banking. You can also bank anytime with online and mobile tools.
Gesa helps students grow through:
- The Richard Waddle Scholarship (Carson College of Business)
- A Gesa scholarship awarded at each home football game
*Both programs are administered by WSU.
Facing an unexpected financial emergency?
We offer a range of relief options to ease short-term stress and support you.
Resources
Quick Links
People helping people.
Gesa credit union is committed to making a positive impact in the communities we serve.
In the Community
About Gesa
All debit cards give back to your community
when you swipe.
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.
Banking made
for you.
for you.
With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.
Routing Number 325181248
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:
- Social Security Number (SSN)
- Color copy of driver's license, state ID, or US Passport
- Contact info
-
Opening deposit by debit card or e-transfer*
*Credit cards are not accepted.
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.
You can easily change your debit card through our affinity form.
Notes & Fees Glossary
| Disclaimer | ||
|---|---|---|
| SmartPlus Checking | [APY] Minimum opening balance of $25 required if the account is opened online. In order to earn APY 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. Dividends on a SmartPlus Checking 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. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. No monthly fees and no minimum balance required to open or maintain account unless opened online. Fees could reduce earnings on the account. Limit of one SmartPlus Checking account per member. APY is accurate as of , the last dividend declaration date. | A7KD4W9LQXZT |
| Smart Checking | *There is a minimum opening balance requirement of $25.00 if the account is opened online. Regular users of Gesa’s electronic services may want to consider SmartPlus Checking for additional benefits. [Courtesy Pay] | M3VY82CNRLKP |
| Student Checking | [APY] Dividends on Student Checking Accounts are calculated using the daily balance method and will be credited to the member’s account every month. Rate may change after the account is opened. If you close your account before dividends are paid, you will not receive the accrued dividends. The minimum balance to open an account is $5.00, the par value of a share. Courtesy Pay is not offered on Student Checking Accounts. Only electronic transactions such as debit card or ACH transactions are permitted. Fees could reduce earnings on the accounts. | JXZ7V5MWLQ92 |
| Smartplus Savings | [APY] 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. | P9T6QF2XJBLC |
| Smart Savings | [APY] Dividends on Smart Savings are calculated using the daily balance method and are paid monthly. Rate may change after the account is opened. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings on the account. | Y4MKZ3WVTPQ8 |
| High-Yield Savings | [APY] Dividends on the High Yield Savings account are calculated using the daily balance method and are paid monthly. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings. | NDLXQ98R5VTE |
| Money Market | [APY] Dividends for the Money Market Account are calculated using the daily balance method which applies a daily periodic rate to the balance in the account each day. You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield. The minimum balance required to open this account is $2,500.00. There is a minimum average daily balance of $2,500.00 required to avoid a service fee for the calendar month. If the minimum average daily balance requirement is not met, you will be charged a service fee as stated in the Consumer Fee Schedule. New rates are set on the first of each month; rate may change after the account is opened. Fees could reduce earnings on the account. | GQ37ZVKY1WLM |
| Fixed Certificate | [APY] A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to open the certificate is stated in the chart. Early withdrawal penalties apply (a penalty may be imposed for withdrawals before maturity): If your account has an original maturity (term) of less than 12-months: The penalty will equal 90 days interest on the amount withdrawn subject to penalty. If your account has an original maturity (term) of 12-months or more – up to, but less than 36-months: The penalty will equal 180 days interest on the amount withdrawn subject to penalty. If your account has an original maturity of 36-months or more – up to, but less than 48-months: The penalty will equal 365 days interest on the amount withdrawn subject to penalty. If your account has an original maturity of 48-months or greater: The penalty will equal 540 days interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. For any account which earns an interest rate that may vary during the term such as a bump certificate, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal. You may make withdrawals of principal from your account before maturity. In making such withdrawals, your balance may not fall below the minimum or we will close your account. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest only on the crediting dates without penalty. A $500 minimum deposit is required for consumer, IRA, and business certificates. Early withdrawal penalties may apply and may reduce earnings. Certificate rate is for a limited time only and could end at any time. Stated rate as of the first day of the month. | H85PLKJXZ2QM |
| Bump Certificate | [APY] A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to open the certificate is stated in the chart. 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 increase the term of the certificate. The new interest 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 and IRA Certificates. Early withdrawal penalties will apply. Minimum deposit balance must be maintained to earn APY and fees may reduce earnings on the account. Special offer for a limited time only. | RXNQ72MLYV9C |