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Routing Number: 325181248

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Government Guaranteed Loans –

USDA

Rural Lending B&I Loan Program

Gesa Credit Union is proud to help the rural community that needs commercial funding. The USDA Business & Industry (B&I) helps provide business loans in rural areas with populations under 50,000 for owner-occupied and investment properties. USDA business loans are partially guaranteed by the USDA.

USDA Business Loan Purposes

  • Purchase or refinance commercial real estate
  • Purchase, remodel, or expand your business
  • Purchase or refinance equipment debt
 
Want to see if your property qualifies?
Check Eligibility
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Benefits of USDA Lending

  • Easier for businesses in rural communities to access financing.
  • Longer loan terms, which mean lower payments
  • As low as 20% down for most properties
  • No balloon payments
  • Most businesses qualify, including nonprofits and Federally Recognized Tribes
  • Finance owner-occupied and investor properties
  • No Business size criteria
  • Five-year fixed rates

Our experienced USDA experts are here to help.

Paul Long

Paul Long | Contact
SBA Lending Manager/Team Leader

Sunwan Shon

Sunwan Shon | Contact
SBA Sales Manager

Erica Lee

Erica Lee | Contact
SBA Relationship Manager

Sunwan Shon

Sunwan Shon | Contact
SBA Sales Manager

Our resource library

Government loans are complicated, we have answers

We’ve created a resource center to guide you through the government loan application process. Our materials are designed to be easy to understand, even if you’re new to this type of assistance.

Learn More
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Routing Number: 325181248
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Gesa Credit Union
51 Gage Blvd. Richland, WA 99352

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325181248

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51 Gage Blvd.
Richland, WA 99352

(888) 946-4372

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With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.

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Up to 5.00% APY
On select checking accounts!

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We have upgraded to a new account opening process. Click Get Started to continue.

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Applying should only take a few minutes. Please have these documents ready:

  • Social Security Number (SSN)
  • Color copy of driver's license, state ID, or US Passport
  • Contact info
  • Opening deposit by debit card or e-transfer*
    *Credit cards are not accepted.
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Notes & Fees Glossary

 Disclaimer
*APY* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of the first day of the month – the last dividend declaration date.
SmartPlus Checking*To earn the higher rate, you must:
  1. Enroll in eStatements
  2. Make a monthly direct deposit of over $200
  3. Complete 15 debit card transactions
  4. Provide and maintain a valid email address
  5. Limit one account per member
For any month where the account does not meet the qualification requirements, the account will earn a lower rate. Minimum balance of $5 needed to open.Qualifying account balances meet minimum requirements. APY subject to change monthly. Rate may change after the account is opened. The qualifying period begins with the first day of the calendar month and ends on the last day of the calendar month at 6:00 P.M. Pacific Time. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings. Limit of one specialty checking account (Smart Plus Checking) per member.

* * * * *