Credit union · NCUA insured
Gesa Credit Union Savings Rates
Gesa Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Gesa Credit Union’s savings rates compare
Compared with banks and credit unions near Kennewick, WA, where Gesa Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Gesa Credit Union
0.25%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $25
Money Market Account
Top rate
WaFd Bank
3.82%APY
- Minimum
- $0
- Earns on $10,000 a year
- $382
2nd-highest rate
ICCU
3.40%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $340
Gesa Credit Union savings score
72
Savings score
Higher than 32% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0002.50%
- QualifiedQualified0.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Gesa Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
SmartPlus Savings
0.01%APY
Must provide and maintain a valid email address and enroll in eStatements to receive the qualifying rate; otherwise, a non-qualifying APY of 0.01% applies to the entire balance. Limited to one SmartPlus Savings account per member. Minimum opening deposit of $5. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Qualifying rate on the first $500 in balances when enrolled in eStatements and maintaining a valid email address. | 5.00% | — | Qualifying rate on the first $500 in balances when enrolled in eStatements and maintaining a valid email address. |
| $500 and upApplies to balances over $500 when qualifying criteria are met, or to the entire balance if qualifying criteria are not met. | 0.01% | $1 | Applies to balances over $500 when qualifying criteria are met, or to the entire balance if qualifying criteria are not met. |
Sources (4)
All captured Oct 4, 2026
High-Yield Savings
0.01%APY
No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Applies to balances below $100,000. | 0.01% | $1 | Applies to balances below $100,000. |
| $100,000 – $250,000 | 2.50% | — | |
| $250,000 and up | 3.00% | — |
Sources (4)
All captured Oct 4, 2026
Money Market Account
0.25%APY
Dividends calculated using daily balance method. Minimum daily balance of $2,500.00 required each day to obtain disclosed APY. Minimum average daily balance of $2,500.00 required to avoid a service fee for the calendar month as stated in the Consumer Fee Schedule. New rates set on first of each month; rates may change after account is opened.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 0.20% | — |
| $10,000 – $25,000 | 0.25% | $25 |
| $25,000 – $50,000 | 0.30% | — |
| $50,000 – $100,000 | 0.35% | — |
| $100,000 – $250,000 | 0.40% | — |
| $250,000 and up | 0.45% | — |
Sources (1)
- gesa.com/product/money-market · captured Oct 22, 2026
Smart Savings
0.01%APY
No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Earns 0.01% APY on daily balances equal to or greater than $0.01.Over $0 | 0.01% | $1 | Earns 0.01% APY on daily balances equal to or greater than $0.01. |
Special-purpose accounts
Explorer Savings
0.01%APY
Eligible for youth ages 0–13 years. Automatically transitions to SmartPlus Savings at age 14. Limit one account per member. Minimum opening and maintaining deposit of $5.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Applies to the first $500 balance for eligible members ages 0–13. | 5.00% | — | Applies to the first $500 balance for eligible members ages 0–13. |
| $500 and upApplies to balances over $500. | 0.01% | $1 | Applies to balances over $500. |
Sources (4)
All captured Oct 4, 2026
Health Savings Account
0.50%APY
Requires coverage under a High Deductible Health Plan (HDHP), non-enrollment in Medicare, and not being claimed as a tax dependent. No monthly fees. Minimum opening balance of $100.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.50% | $50 |
| $25,000 and up | 1.00% | — |
Who can join Gesa Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.