GESA

Headquarters

51 GAGE BLVD
Richland, WA 99352
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.05% →
1-Year CD 0.50% 1.05% →
2-Year CD 1.00% 1.11% →
5-Year CD 1.50% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Gesa is an NCUA insured institution located in Richland, WA. It was founded in 1953 and has approximately $3871.72 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
Charter Number # # 68278
Date Established 1953
Assets $3,871.72 million
Loans $2,912.79 million
Deposits $3,306.83 million
Capital $423.68 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 - August 10, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.20% $10,000 $14,999 Learn More
3 Mo CD
0.20% $100,000 $199,999 Learn More
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.30% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.40% $10,000 $14,999 Learn More
18 Mo CD
0.55% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.70% $10,000 $14,999 Learn More
24 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More
30 Mo CD
0.60% $10,000 $14,999 Learn More
30 Mo CD
0.80% $10,000 $14,999 Learn More
30 Mo CD
0.70% $100,000 $199,999 Learn More
30 Mo CD
1.10% $100,000 $199,999 Learn More
36 Mo CD
0.60% $10,000 $14,999 Learn More
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
0.80% $100,000 $199,999 Learn More
36 Mo CD
1.25% $100,000 $199,999 Learn More
48 Mo CD
0.70% $10,000 $14,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
0.90% $100,000 $199,999 Learn More
48 Mo CD
1.40% $100,000 $199,999 Learn More
60 Mo CD
0.90% $10,000 $14,999 Learn More
60 Mo CD
1.10% $10,000 $14,999 Learn More
60 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.50% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 10, 2020

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.914% 2.875% 0.50 $1,250 $1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
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:
Ashburn,Virginia


Gesa Locations


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
6.73% 6.71

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 March 30, 2020, Gesa had $27,545,226 in non-current loans and $2,274,709 in owned assets. To cover these potential losses it had $423,684,331 in net worth and $19,335,580 in loans loss reserves. That gives it a Texas Ratio of 6.73%.

Net Worth
Gesa U.S. Average
10.94% 13.61%

Gesa FCU has a net worth of 10.94% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Gesa

Branches and Savings

What is Gesa?

A federal credit union, registered with the NCUA under certificate #68278.
Learn more about credit unions here.

Is Gesa FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Gesa?

Please see Field of Membership information above for information on who is eligible to join.

What are Gesa's share account and share certificate rates?

Gesa's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Gesa?

Gesa has total capital of $423.68 million. Full information on Gesa's financial position is located above.

Who owns Gesa?

Credit Unions are owned by their members.

Where are Gesa branches located?

See branch locations nearby.

Are Gesa ATMs Open 24/7?

Do Gesa ATMs accept cash deposits?

Can Gesa customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Gesa have a mobile app?

Does Gesa have mobile deposit?

Does Gesa have quick pay?

How can Gesa transfer money to other banks or credit unions?

Does Gesa report to credit bureaus?

Does Gesa use Chexsystems?

Does Gesa use Equifax?

What is Gesa's toll free phone number?

What is Gesa's ACH Routing Number?

What is Gesa's SWIFT code?

Where can I find Gesa's wire transfer form?

What is the Gesa address for deposits?

What Products Does Gesa Offer

Does Gesa offer mortgages?

Compare mortgage rates here.

Does Gesa offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Gesa offer auto and RV loans?

Compare auto loan rates here.

Does Gesa offer student loans or personal loans?

Compare personal loan rates here.

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