Gesa Credit Union
Headquarters
51 Gage Blvd
Richland, WA 99352
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Reviewed by Jerry from Hillsboro, Oregon | December 4, 2022
Your credit union needs to compete with other credit unions, like Liberty Federal, which has a 6 year rate at 4.30%.
2024 Overview
General Credit Union Information
Gesa is an NCUA insured institution located in Richland, WA. It was founded in 1953 and has approximately $5539.91 millions in assets.
Who can join Gesa?
If you live, work, worship or attend school in the State of Washington, or are a close relative of someone who qualifies as a member, you are eligible to join Gesa.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68278 |
| Date Established | 1953 |
| Assets | $5,539.91 million |
| Loans | $4,347.95 million |
| Deposits | $4,510.33 million |
| Capital | $568.26 million |
Field of Membership Restrictions
Membership in Gesa Credit Union is open to anyone who lives, works, attends school or worships in the state of Washington and to immediate family of anyone eligible.
Deposit Rates - December 30, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
5.00% | $0 | $500 |
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|
|
Money Market
|
0.20% | $2,500 | $9,999 |
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|
Money Market
|
0.25% | $10,000 | $24,999 |
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|
Money Market
|
0.30% | $25,000 | $49,999 |
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|
Money Market
|
0.35% | $50,000 | $99,999 |
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|
Money Market
|
0.40% | $100,000 | $249,999 |
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|
|
Money Market
|
0.45% | $250,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
2.60% | $500 | $49,999 |
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|
| 6 Mo CD
|
2.80% | $50,000 | $99,999 |
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|
| 6 Mo CD
|
3.00% | $100,000 | - |
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|
| 12 Mo CD
|
2.60% | $500 | $49,999 |
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|
| 12 Mo CD
|
2.80% | $50,000 | $99,999 |
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|
| 12 Mo CD
|
3.00% | $100,000 | - |
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|
| 18 Mo CD
|
2.45% | $500 | $49,999 |
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|
| 18 Mo CD
|
2.60% | $50,000 | $99,999 |
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|
| 18 Mo CD
|
2.75% | $100,000 | - |
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|
| 24 Mo CD
|
2.20% | $500 | $49,999 |
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|
| 24 Mo CD
|
2.35% | $50,000 | $99,999 |
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|
| 24 Mo CD
|
2.50% | $100,000 | - |
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|
| 30 Mo CD
|
2.20% | $500 | $49,999 |
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|
| 30 Mo CD
|
2.35% | $50,000 | $99,999 |
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|
| 30 Mo CD
|
2.50% | $100,000 | - |
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|
| 36 Mo CD
|
2.20% | $500 | $49,999 |
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|
| 36 Mo CD
|
2.35% | $50,000 | $99,999 |
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|
| 36 Mo CD
|
2.50% | $100,000 | - |
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|
| 48 Mo CD
|
2.20% | $500 | $49,999 |
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|
| 48 Mo CD
|
2.35% | $50,000 | $99,999 |
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|
| 48 Mo CD
|
2.50% | $100,000 | - |
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|
| 60 Mo CD
|
3.10% | $500 | $49,999 |
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|
| 60 Mo CD
|
3.30% | $50,000 | $99,999 |
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| 60 Mo CD
|
3.50% | $100,000 | - |
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|
Loan Rates - December 30, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Gesa
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
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|---|---|---|---|---|---|---|
NMLS ID: 66247 |
6.697% | 6.625% | 0.75 | $2,371 | $2,049 | Learn More |
NMLS ID: 2890 License#: MBMB.850089.000 |
6.743% | 6.625% | 0.88 | $3,891 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.861% | 6.750% | 0.88 | $3,644 | $2,076 | Learn More |
NMLS ID: 2592312 License#: RM.805266.000 |
6.960% | 6.875% | 0.50 | $2,966 | $2,103 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 6.990 % After Intro: 6.990 % |
$0 |
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More Info |
Rate See Table |
Intro APR 7.900 % After Intro: 7.900 % |
$25,000 |
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More Info |
Achieve Loans See Table |
Intro APR 10.625 % After Intro: 10.625 % |
$0 |
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More Info |
Note to Gesa
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Gesa branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Gesa Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 731.00 | A | View Lobby Hours | |
| 1919.17 | B | View Lobby Hours | |
| 1920.71 | C | View Lobby Hours | |
| 1962.89 | D | View Lobby Hours | |
| 1964.68 | E | View Lobby Hours | |
| 1965.28 | F | View Lobby Hours | |
| 1967.02 | G | View Lobby Hours | |
| 1969.23 | H | View Lobby Hours | |
| 1971.87 | I | View Lobby Hours | |
| 1972.72 | J | View Lobby Hours | |
| 1973.26 | K | View Lobby Hours | |
| 1975.53 | L | View Lobby Hours | |
| 2042.27 | M | View Lobby Hours | |
| 2043.24 | N | View Lobby Hours | |
| 2044.38 | O | View Lobby Hours |
Climate Policy and Initiatives
GESA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Gesa Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Gesa. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Gesa | U.S. Average |
|---|---|
| 6.55% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Gesa had $34,000,345 in non-current loans and $4,711,867 in owned assets. To cover these potential losses it had $568,261,519 in net worth and $22,930,481 in loans loss reserves. That gives it a Texas Ratio of 6.55%.
Net Worth
| Gesa | U.S. Average |
|---|---|
| 10.23% | 13.93% |
Gesa FCU has a net worth of 10.23% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Gesa
Jerry from Hillsboro, Oregon
December 4, 2022
Your credit union needs to compete with other credit unions, like Liberty Federal, which has a 6 year rate at 4.30%.
Is this review helpful? Yes:0 / No: 0
dse
March 6, 2022
Yes
Is this review helpful? Yes:0 / No: 0
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