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Gesa Credit Union

Overview
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Gesa Credit Union is a federally insured state credit union based in Richland, Washington. It has been opened since 1953, for 67 years.

With around $2,059,210,000 in assets, Gesa Credit Union is considered to be a very large credit union. It has 18 branches and 17 ATM locations.

About
Address 51 Gage Boulevard
Richland, Washington 99352
Website http://www.gesa.com
Phone (509) 378-3100
Fax (509) 378-3436
CEO Don C. Miller
President of the Board William Melberg
Services Offered
Map
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Score Card
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67 years
Years in business
Opened in 1953
Well Capitalized
Net worth classification
Source: NCUA
164,281 members
Membership type: State chartered natural person credit union
Above average number of members
347:1
Credit union member to staff ratio
347 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$2,059,209,953
Total assets
Above average
18 branches
Compared with an average of 4 nationally and 6 in Washington
Above average number of branches
0.05%
Savings interest rate
Compared to 0.3% nationally
9.25%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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18 branches
Compared with an average of 4 nationally and 6 in Washington
Above average number of branches
Gesa Credit Union Branch Locations

Gesa Credit Union: South Richland Headquarters
51 Gage Boulevard
Richland, Washington 99352
ATM Available
Gesa Credit Union: Spokane Home Loan and Commercial Loan Center
618 W. Riverside Avenue Suite 101
Spokane, Washington 99201
No ATM
Gesa Credit Union: South Kennewick
4500 W. 27th Avenue
Kennewick, Washington 99338
ATM Available
Gesa Credit Union: Yakima South 1st Street
1825 S. 1st Street
Yakima, Washington 98903
ATM Available
Gesa Credit Union: Moses Lake
721 S. Pioneer Way
Moses Lake, Washington 98837
ATM Available
Gesa Credit Union: North Spokane
9625 North Newport Highway
Spokane, Washington 99218
ATM Available
Gesa Credit Union: Yakima North 40th
901 Triple Crown Way
Yakima, Washington 98908
ATM Available
Gesa Credit Union: Queensgate
2951 Duportail Street
Richland, Washington 99352
ATM Available
Gesa Credit Union: Wenatchee
1005 North Wenatchee Avenue
Wenatchee, Washington 98801
ATM Available
Gesa Credit Union: Richland (Goethals)
825 Goethals Drive
Richland, Washington 99352
ATM Available
Gesa Credit Union: Kennewick
100 North Huntington Street
Kennewick, Washington 99336
ATM Available
Gesa Credit Union: West Richland
4755 Paradise Drive
West Richland, Washington 99353
ATM Available
Gesa Credit Union: Pasco (Sylvester)
2202 W. Sylvester Street
Pasco, Washington 99301
ATM Available
Gesa Credit Union: Walla Walla (Poplar)
1355 W. Poplar Street
Walla Walla, Washington 99362
ATM Available
Gesa Credit Union: Spokane Northtown
4407 North Division Street Suite 104
Spokane, Washington 99207
ATM Available
Gesa Credit Union: Pasco (Rd 68)
7421 Sandifur Parkway
Pasco, Washington 99301
ATM Available
Gesa Credit Union: Spokane Valley
509 North Sullivan Road
Spokane Valley, Washington 99037
ATM Available
Gesa Credit Union: Walla Walla (Tietan)
1603 Penny Lane
Walla Walla, Washington 99362
ATM Available
Members
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164,281 members
Membership type: State chartered natural person credit union
Above average number of members

With 164,281 members, the Gesa Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 98% of credit unions.

Fees
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$70
Average fee per member
The average fee per member at the Gesa Credit Union is $70, which is high compared to most credit unions. This rate is higher than 66% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Gesa Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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347:1
Credit union member to staff ratio
347 per each FTE employee
Compared to 411:1 nationally
Average number of staff
474 staff members
FTE (full-time equivalent)
10% of employees are part-time
448 full-time, 52 part-time

Gesa Credit Union has 448 full-time staff members and 52 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 90% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Gesa Credit Union has around 347 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets
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$2,059,209,953
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
9.5%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$15,803
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 83% of credit unions.

Gesa Credit Union holds a total of $1,719,840,000 in loans and leases, which is about $15,803 per member on average.

Savings interest rate
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0.05%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Gesa Credit Union pays 0.05%.

Loan rates
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9.25%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.75%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.50%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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4.24%
New car loan rate
Compared to 4.0% nationally
4.24%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.14%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally