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 Gesa Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 3, 2026
Gesa Credit Union's IRA CD 18 month rates are at 4.60%, IRA CD 12 month rates are at 4.50%, IRA CD 18 month rates are at 4.45%, IRA CD 12 month rates are at 4.35%, IRA CD 18 month rates are at 4.30%. Gesa Credit Union's savings rates are at 0.01%. Gesa Credit Union's Personal Loan Rates are at 10.50%. 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 5.39%. Rates last updated and verified on 09/03/2026. 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. 
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 Personal Loan Rates
Financial Health HistoryGesa Credit Union’s Texas Ratio rose from 3.06% in Q2 2023 to 5.39% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under 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 threshold
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
906
Part-Time Employees
87
Branch Locations
45
ATM Locations
45
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.39%
Return on Assets (ROA)
0.2169%
Return on Equity (ROE)
2.3280%
Non-Performing Loans Ratio (NPL)
0.69%
Total Assets
6,722,351,953
Total Amount of Shares and Deposits
5,590,112,683
Total Shares and Deposits < 1 Year
5,436,341,797
Total Shares and Deposits 1 3 Years
106,038,538
Total Shares and Deposits > 3 Years
47,732,348
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
560,777,619
Total Uninsured Shares and Deposits > $250K (F+J)
621,393,777
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,968,718,906
Total Interest Expense (Sum of items 6 8)
27,927,402
Share Certificates
36,655
Number of Accounts for Share Drafts
210,961
IRA KEOGH Accounts
6,517
Number of Accounts for Regular Shares
352,810
Non Member Deposits
11
Money Market Shares
6,950
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)
650,151,051
Total Liabilities
6,098,666,525
Source: NCUA — Last Updated 03/31/2026
Customer ReviewsiSDe
December 17, 2025
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Frequently Asked Questions About Gesa Credit UnionHow 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. Current Gesa Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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