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Gesa Credit Union

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Gesa Credit Union Rates & Review November 2026

Q: What are the current interest rates at Gesa Credit Union?

Current rates for Gesa Credit Union include: 12-Month CD: 3.30%, 18-Month CD: 3.80%, 24-Month CD: 3.10%, 60-Month CD: 2.60%, Savings: 5.00%

Q: What CD terms does Gesa Credit Union offer?

Gesa Credit Union CD rates are 3.60% APY for a 6 month CD, 4.00% APY for a 12 month CD, 4.50% APY for a 17 month CD, 4.10% APY for an 18 month CD, 3.80% APY for a 2 year CD and 2.60% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Gesa Credit Union for its full lineup.

Q: How many branches does Gesa Credit Union operate?

Gesa Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Gesa Credit Union's 17 Month Fixed CD rates are at 4.50%, 18 Month Fixed CD rates are at 4.10%, 12 Month Fixed CD rates are at 4.00%, 24 Month Fixed CD rates are at 3.80%, 6 Month Fixed CD rates are at 3.60%. Gesa Credit Union's savings rates are at 5.00%. Gesa Credit Union's checking rates are as high as 3.00%. Gesa Credit Union's Personal Loan Rates are as low as 10.50%. Gesa Credit Union's CD rates are 31% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Gesa Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.57%. Rates last updated and verified on 10/30/2026.

Gesa Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Gesa Credit Union? Share your experience about Gesa Credit Union by leaving a review below, or read customer reviews before you decide to use Gesa Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.57%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Gesa Credit Union
South Richland Headquarters

51 Gage Blvd
Richland, WA 99352

https://www.gesa.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Gesa Credit Union CD Rates

Product	Rate	APY	Term
17 Month Fixed CD	-	4.50%	17 Months
Min Balance $500 Details Balance: min. balance $500 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
17 Month Fixed CD	-	4.50%	17 Months
Min Balance $50,000 Details Balance: min. balance $50,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
17 Month Fixed CD	-	4.50%	17 Months
Min Balance $100,000 Details Balance: min. balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
18 Month Fixed CD	-	4.10%	18 Months
Min Balance $100,000 Details Balance: min. balance $100,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
12 Month Fixed CD	-	4.00%	12 Months
Min Balance $100,000 Details Balance: min. balance $100,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
18 Month Fixed CD	-	3.95%	18 Months
Min Balance $50,000 Details Balance: min. balance $50,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
12 Month Fixed CD	-	3.85%	12 Months
Min Balance $50,000 Details Balance: min. balance $50,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
18 Month Fixed CD	-	3.80%	18 Months
Min Balance $500 Details Balance: min. balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
24 Month Fixed CD	-	3.80%	24 Months
Min Balance $100,000 Details Balance: min. balance $100,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
12 Month Fixed CD	-	3.70%	12 Months
Min Balance $500 Details Balance: min. balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
24 Month Fixed CD	-	3.65%	24 Months
Min Balance $50,000 Details Balance: min. balance $50,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
12 Month Bump CD	-	3.60%	12 Months
Min Balance $100,000 Details Bump CD; APY for min. balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
6 Month Fixed CD	-	3.60%	6 Months
Min Balance $100,000 Details Balance: min. balance $100,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
24 Month Fixed CD	-	3.50%	24 Months
Min Balance $500 Details Balance: min. balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
12 Month Bump CD	-	3.45%	12 Months
Min Balance $50,000 Details Bump CD; APY for min. balance $50,000 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
6 Month Fixed CD	-	3.45%	6 Months
Min Balance $50,000 Details Balance: min. balance $50,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
24 Month Bump CD	-	3.40%	24 Months
Min Balance $100,000 Details Bump CD; APY for min. balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
12 Month Bump CD	-	3.30%	12 Months
Min Balance $500 Details Bump CD; APY for min. balance $500 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
3 Month Fixed CD	-	3.30%	3 Months
Min Balance $100,000 Details Balance: min. balance $100,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
6 Month Fixed CD	-	3.30%	6 Months
Min Balance $500 Details Balance: min. balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
24 Month Bump CD	-	3.25%	24 Months
Min Balance $50,000 Details Bump CD; APY for min. balance $50,000 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
36 Month Fixed CD	-	3.25%	36 Months
Min Balance $100,000 Details Balance: min. balance $100,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
48 Month Fixed CD	-	3.25%	48 Months
Min Balance $100,000 Details Balance: min. balance $100,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
60 Month Fixed CD	-	3.25%	60 Months
Min Balance $100,000 Details Balance: min. balance $100,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
3 Month Fixed CD	-	3.15%	3 Months
Min Balance $50,000 Details Balance: min. balance $50,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
24 Month Bump CD	-	3.10%	24 Months
Min Balance $500 Details Bump CD; APY for min. balance $500 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
36 Month Fixed CD	-	3.05%	36 Months
Min Balance $50,000 Details Balance: min. balance $50,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
48 Month Fixed CD	-	3.05%	48 Months
Min Balance $50,000 Details Balance: min. balance $50,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
60 Month Fixed CD	-	3.05%	60 Months
Min Balance $50,000 Details Balance: min. balance $50,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
3 Month Fixed CD	-	3.00%	3 Months
Min Balance $500 Details Balance: min. balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
30 Month Fixed CD	-	3.00%	30 Months
Min Balance $100,000 Details Balance: min. balance $100,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
36 Month Bump CD	-	3.00%	36 Months
Min Balance $100,000 Details Bump CD; APY for min. balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
48 Month Bump CD	-	3.00%	48 Months
Min Balance $100,000 Details Bump CD; APY for min. balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
60 Month Bump CD	-	3.00%	60 Months
Min Balance $100,000 Details Bump CD; APY for min. balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
30 Month Fixed CD	-	2.85%	30 Months
Min Balance $50,000 Details Balance: min. balance $50,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
36 Month Fixed CD	-	2.85%	36 Months
Min Balance $500 Details Balance: min. balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
48 Month Fixed CD	-	2.85%	48 Months
Min Balance $500 Details Balance: min. balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
60 Month Fixed CD	-	2.85%	60 Months
Min Balance $500 Details Balance: min. balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
36 Month Bump CD	-	2.80%	36 Months
Min Balance $50,000 Details Bump CD; APY for min. balance $50,000 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 2.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
48 Month Bump CD	-	2.80%	48 Months
Min Balance $50,000 Details Bump CD; APY for min. balance $50,000 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 2.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
60 Month Bump CD	-	2.80%	60 Months
Min Balance $50,000 Details Bump CD; APY for min. balance $50,000 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 2.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
30 Month Fixed CD	-	2.70%	30 Months
Min Balance $500 Details Balance: min. balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
36 Month Bump CD	-	2.60%	36 Months
Min Balance $500 Details Bump CD; APY for min. balance $500 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
48 Month Bump CD	-	2.60%	48 Months
Min Balance $500 Details Bump CD; APY for min. balance $500 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
60 Month Bump CD	-	2.60%	60 Months
Min Balance $500 Details Bump CD; APY for min. balance $500 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%

Gesa Credit Union Savings Rates

Product	Rate	APY
Explorer Savings	-	5.00%
Min Balance $0 Details Balance: $0 - $500; Limits: On the first $0 - $500 balance. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
SmartPlus Savings	-	5.00%
Min Deposit $5 Min Balance $0 Details Qualifications Required; Balance: $0.00 - $500.00; Balances over $500 earn 0.01% APY; No monthly fees; Limited to one SmartPlus Savings account per member Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
High-Yield Savings	-	3.00%
Min Deposit $5 Min Balance $250,000 Details Balance: $250,000.00 and over; No monthly fees; Dividends paid monthly Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 2.50% → 3.00% ▲ 0.50 pts · high 3.00% / low 2.50% Oct 10, 20263.00%▲ from 2.50% Sep 18, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
High-Yield Savings	-	2.50%
Min Deposit $5 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; No monthly fees; Dividends paid monthly Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 2.50% ▼ 0.50 pts · high 3.00% / low 2.50% Oct 10, 20262.50%▼ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Smart Savings	-	0.01%
Min Deposit $5 Min Balance $0 Details Balance: $0.01 and over; No monthly fees; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%

Gesa Credit Union Checking Rates

Product	Rate	APY
EarnSmart Checking	-	3.00%
Details Qualifying balance up to $5,000.00 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
EarnSmart Perks Checking	-	3.00%
Details Qualifying balance up to $5,000.00 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
EarnSmart PerksTM Checking	-	3.00%
Min Deposit $25 Details Qualifications Required; Balance: $0.00 - $5,000.00; Qualifying balance up to $5,000.00; Amounts over $5,000 earn 0.01% APY; $7 monthly subscription cost; minimum opening balance $25 if opened online Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
EarnSmartTM Checking	-	3.00%
Details Qualifications Required; Qualifying balance up to $5,000.00; Perks: Anywhere Access Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Student Checking	-	3.00%
Details Qualifying balance up to $500.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%

Gesa Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	7.25%
Details APR range: 7.25% - 18.00%; Term: Variable Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%

Gesa Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	6.14%	36 months
Details As Low As; Loan Amount: No Minimum; Vehicle Age: 2020+ Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 5.74% → 6.14% ▲ 0.40 pts · high 6.14% / low 5.74% Oct 10, 20266.14%▲ from 5.74% Sep 18, 20265.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
New Auto Loan	-	-	6.14%	48 months
Details As Low As; Loan Amount: No Minimum; Vehicle Age: 2020+ Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 5.74% → 6.14% ▲ 0.40 pts · high 6.14% / low 5.74% Oct 10, 20266.14%▲ from 5.74% Sep 18, 20265.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
New Auto Loan	-	-	6.14%	60 months
Details As Low As; Loan Amount: No Minimum; Vehicle Age: 2020+ Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 5.74% → 6.14% ▲ 0.40 pts · high 6.14% / low 5.74% Oct 10, 20266.14%▲ from 5.74% Sep 18, 20265.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
New Auto Loan	-	-	6.37%	72 months
Details As Low As; Loan Amount: No Minimum; Vehicle Age: 2020+ Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 5.74% → 6.37% ▲ 0.63 pts · high 6.37% / low 5.74% Oct 10, 20266.37%▲ from 5.74% Sep 18, 20265.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Used Auto Loan	-	-	6.39%	36 months
Details As Low As; Loan Amount: No Minimum; Vehicle Age: 2015 - 2019 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 5.99% → 6.39% ▲ 0.40 pts · high 6.39% / low 5.99% Oct 10, 20266.39%▲ from 5.99% Sep 18, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Used Auto Loan	-	-	6.39%	48 months
Details As Low As; Loan Amount: No Minimum; Vehicle Age: 2015 - 2019 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 5.99% → 6.39% ▲ 0.40 pts · high 6.39% / low 5.99% Oct 10, 20266.39%▲ from 5.99% Sep 18, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Used Auto Loan	-	-	6.39%	60 months
Details As Low As; Loan Amount: No Minimum; Vehicle Age: 2015 - 2019 Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 7.24% → 6.39% ▼ 0.85 pts · high 7.24% / low 5.99% Oct 10, 20266.39%▲ from 5.99% Sep 18, 20265.99%▼ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Used Auto Loan	-	-	6.62%	72 months
Details As Low As; Loan Amount: No Minimum; Vehicle Age: 2015 - 2019 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 5.99% → 6.62% ▲ 0.63 pts · high 6.62% / low 5.99% Oct 10, 20266.62%▲ from 5.99% Sep 18, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
New Auto Loan	-	-	6.74%	84 months
Details As Low As; Loan Amount: $15,000+; Vehicle Age: 2020+ Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 5.99% → 6.74% ▲ 0.75 pts · high 6.74% / low 5.99% Oct 10, 20266.74%▲ from 5.99% Sep 18, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Used Auto Loan	-	-	6.99%	84 months
Details As Low As; Loan Amount: $15,000+; Vehicle Age: 2015 - 2019 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.99% ▲ 0.75 pts · high 6.99% / low 6.24% Oct 10, 20266.99%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Used Auto Loan	-	-	7.64%	60 months
Details As Low As; Loan Amount: No Minimum; Vehicle Age: 2014 & Older Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 7.64% ▲ 0.40 pts · high 7.64% / low 7.24% Oct 10, 20267.64%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%

Gesa Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Marine & RV Loan	-	6.74%	60 months
Details As Low As; Loan Amount: No Minimum; Vehicle Age: 2023+; Max Term (months): 60 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Used Marine & RV Loan	-	6.99%	60 months
Details As Low As; Loan Amount: No Minimum; Vehicle Age: 2015 - 2022 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
New Marine & RV Loan	-	7.49%	84 months
Details As Low As; Loan Amount: No Minimum; Vehicle Age: 2023+; Max Term (months): 84 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
New Marine & RV Loan	-	7.99%	120 months
Details As Low As; Loan Amount: $25,000+; Vehicle Age: 2023+; Max Term (months): 120 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Used Marine & RV Loan	-	7.99%	84 months
Details As Low As; Loan Amount: No Minimum; Vehicle Age: 2015 - 2022 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
New Marine & RV Loan	-	8.24%	180 months
Details As Low As; Loan Amount: $50,000+; Vehicle Age: 2023+; Max Term (months): 180 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Used Marine & RV Loan	-	8.24%	120 months
Details As Low As; Loan Amount: $25,000+; Vehicle Age: 2015 - 2022 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 8.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Used Marine & RV Loan	-	8.74%	180 months
Details As Low As; Loan Amount: $50,000+; Vehicle Age: 2015 - 2022 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
New Motorcycle & Other Collateral Loan	-	9.99%	Up to 48 months
Details As Low As; Loan Amount: No Minimum; Vehicle Age: 2023+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Used Motorcycle & Other Collateral Loan	-	9.99%	48 months
Details As Low As; Loan Amount: No Minimum; Max Term: 48 months; Vehicle Age: 2015 - 2022 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
New Motorcycle & Other Collateral Loan	-	10.24%	Up to 60 months
Details As Low As; Loan Amount: No Minimum; Vehicle Age: 2023+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 10.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Used Motorcycle & Other Collateral Loan	-	10.24%	60 months
Details As Low As; Loan Amount: No Minimum; Max Term: 60 months; Vehicle Age: 2015 - 2022 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 10.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
New Motorcycle & Other Collateral Loan	-	10.99%	Up to 72 months
Details As Low As; Loan Amount: No Minimum; Vehicle Age: 2023+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 10.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Used Motorcycle & Other Collateral Loan	-	10.99%	72 months
Details As Low As; Loan Amount: No Minimum; Max Term: 72 months; Vehicle Age: 2015 - 2022 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 10.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
New Motorcycle & Other Collateral Loan	-	11.49%	Up to 84 months
Details As Low As; Loan Amount: $20,000 +; Vehicle Age: 2023+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 11.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Used Motorcycle & Other Collateral Loan	-	11.49%	84 months
Details As Low As; Loan Amount: $20,000 +; Max Term: 84 months; Vehicle Age: 2015 - 2022 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 11.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%

Gesa Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	10.50%	24 months
Details As Low As; Financing up to $30,000; Max term 24 months Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 10.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Personal Loan	11.00%	36 months
Details As Low As; Financing up to $30,000; Max term 36 months Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 11.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Personal Loan	11.50%	48 months
Details As Low As; Financing up to $30,000; Max term 48 months Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 11.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Personal Line of Credit	12.00%	Open End
Details As Low As; Financing up to $15,000; Max term Open End Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 12.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Personal Loan	12.00%	60 months
Details As Low As; Financing up to $30,000; Max term 60 months Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 12.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Personal Loan	13.00%	72 months
Details As Low As; Financing up to $30,000; Max term 72 months Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 13.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%

Gesa Credit Union Other Rates

Product	Rate	Points	APY/APR
Cash Rewards Card	-	-	16.74%
Details As Low As; 1.5% unlimited cash back Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 16.74% → 16.74% ▼ 0.00 pts · high 16.99% / low 16.74% Oct 30, 202616.74%▼ from 16.99% Oct 10, 202616.99%▲ from 16.74% Sep 14, 202616.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Wise Card	-	-	12.49%
Details Variable APR range 12.49% - 24.49% based on creditworthiness; variable rate based on Prime Rate; accurate as of 10/05/26 Last Updated 10/30/2026 Rate History 2 changes since Sep 27, 2026 · 12.49% → 12.49% ▼ 0.00 pts · high 12.74% / low 12.49% Oct 30, 202612.49%▼ from 12.74% Oct 10, 202612.74%▲ from 12.49% Sep 27, 202612.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Wise Secured Card	-	-	12.49%
Details Variable APR range 12.49% - 24.49% based on creditworthiness; secured by the available funds in your share savings account; variable rate based on Prime Rate; accurate as of 10/05/26 Last Updated 10/30/2026 Rate History 2 changes since Sep 27, 2026 · 12.49% → 12.49% ▼ 0.00 pts · high 12.74% / low 12.49% Oct 30, 202612.49%▼ from 12.74% Oct 10, 202612.74%▲ from 12.49% Sep 27, 202612.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Gesa Credit Union’s Texas Ratio rose from 3.12% in Q3 2023 to 6.57% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$6.8B	6.57%	5.0	A
March 31, 2026	$6.7B	5.39%	5.0	A+
December 31, 2025	$6.5B	5.13%	5.0	A+
September 30, 2025	$6.4B	4.30%	5.0	A+
June 30, 2025	$6.5B	3.80%	5.0	A+
March 31, 2025	$5.9B	3.01%	5.0	A+
December 31, 2024	$5.6B	4.10%	5.0	A+
September 30, 2024	$5.6B	4.36%	5.0	A+
June 30, 2024	$5.5B	3.73%	5.0	A+
March 31, 2024	$5.5B	3.38%	5.0	A+
December 31, 2023	$5.5B	4.36%	5.0	A+
September 30, 2023	$5.5B	3.12%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Gesa Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Gesa Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Gesa Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Gesa Credit Union

Website https://www.gesa.com

Address 51 Gage Blvd, Richland, WA 99352

Phone 509-378-3100

Fax 509-378-3436

President Martin Torres

CEO Don Miller

Full-Time Employees 922

Part-Time Employees 92

Branch Locations 46

ATM Locations 54

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.57%

Return on Assets (ROA)

0.3493%

Return on Equity (ROE)

3.7496%

Non-Performing Loans Ratio (NPL)

0.84%

Total Assets

6,821,694,066

Total Amount of Shares and Deposits

5,682,067,165

Total Shares and Deposits < 1 Year

5,356,247,313

Total Shares and Deposits 1 3 Years

278,238,751

Total Shares and Deposits > 3 Years

47,581,102

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

607,963,899

Total Uninsured Shares and Deposits > $250K (F+J)

718,105,805

Total Insured Shares and Deposits > $250K (item 17 less item K)

4,963,961,360

Total Interest Expense (Sum of items 6 8)

57,622,717

Share Certificates

36,563

Number of Accounts for Share Drafts

215,246

IRA KEOGH Accounts

6,417

Number of Accounts for Regular Shares

352,503

Non Member Deposits

Money Market Shares

6,644

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

607,961,511

Total Liabilities

6,189,305,171

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Gesa Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Gesa Credit Union

Does Gesa Credit Union offer CDs?

Yes. Gesa Credit Union current CD rates include its 17 Month Fixed CD at 4.50% APY, its 18 Month Fixed CD at 4.10% APY and its 12 Month Fixed CD at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Gesa Credit Union NCUA insured?

Yes. Gesa Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Gesa Credit Union?

The highest Gesa Credit Union CD rate is its 17 Month Fixed CD at 4.50% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Gesa Credit Union offer?

Gesa Credit Union CD rates are 3.60% APY for a 6 month CD, 4.00% APY for a 12 month CD, 4.50% APY for a 17 month CD, 4.10% APY for an 18 month CD, 3.80% APY for a 2 year CD and 2.60% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Gesa Credit Union for its full lineup.

What is the highest savings rate at Gesa Credit Union?

The highest Gesa Credit Union savings rate is its Explorer Savings at 5.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Gesa Credit Union?

The highest Gesa Credit Union checking rate is its EarnSmart Checking at 3.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Gesa Credit Union?

The lowest Gesa Credit Union auto loan rate is its New Auto Loan at 6.14% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Gesa Credit Union?

The lowest Gesa Credit Union personal loan rate is its Personal Loan at 10.50% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Gesa Credit Union operate?

Gesa Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Gesa Credit Union?

Yes, to access services at Gesa Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Gesa Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Gesa Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Gesa Credit Union offer online and mobile banking?

Most modern institutions like Gesa Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.gesa.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Gesa Credit Union rates compare?

Gesa Credit Union's CD rates are 31% higher than the MonitorBankRates national average, and it has an A health rating. Gesa Credit Union's top rates are its 17 Month Fixed CD at 4.50% APY, its Explorer Savings at 5.00% APY, its EarnSmart Checking at 3.00% APY and its Personal Loan at 10.50% APR, verified by MonitorBankRates on October 30, 2026.

Current Gesa Credit Union Rates

12-Month CD3.30%
18-Month CD3.80%
24-Month CD3.10%
60-Month CD2.60%
Savings5.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Gesa Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Gesa Credit Union Texas Ratio

Gesa Credit Union Health Trend

Gesa Credit Union CD Rates

Gesa Credit Union Savings Rates

Gesa Credit Union Checking Rates

Gesa Credit Union Home Equity & HELOC

Gesa Credit Union Auto Loan Rates

Gesa Credit Union RV, Boat and Powersport Loan Rates

Gesa Credit Union Personal Loan Rates

Gesa Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Gesa Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Gesa Credit Union

Does Gesa Credit Union offer CDs?

Are CDs from Gesa Credit Union NCUA insured?

What is the highest CD rate at Gesa Credit Union?

What CD terms does Gesa Credit Union offer?

What is the highest savings rate at Gesa Credit Union?

What is the highest checking rate at Gesa Credit Union?

What is the lowest auto loan rate at Gesa Credit Union?

What is the lowest personal loan rate at Gesa Credit Union?

How many branches does Gesa Credit Union operate?

Is a member application needed to join Gesa Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Gesa Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Gesa Credit Union rates compare?

Current Gesa Credit Union Rates

Compare to Other Credit Unions