Skip Menu
Gesa Credit Union will be closed on [X] for [X]. This includes all branches and our Member Contact Center. Regular hours will resume the next business day. Learn more about our holiday hoursGesa Day of Service.
We have a vacancy on our Supervisory Committee. Learn More about how you could help shape the future of Gesa Credit Union.
Locations
Español
Rates
Make a payment
Support

Routing Number: 325181248

Become a member
Log In

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
Two men, one older wearing a hat and the younger one in a cap, walking together next to large silos on a farm during the day.
A focused craftsman inspecting a piece of wood in a dusty workshop filled with woodworking tools and timber.

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
The image shows two people working in a restaurant or cafe setting. Both are wearing aprons and appear to be engaged in a light conversation. The man on the left is smiling warmly while resting his hand on the counter, and the woman on the right is turned slightly towards him, also smiling. The background reveals part of a kitchen with various cooking equipment and ingredients, indicating a friendly and relaxed work environment.
Routing Number: 325181248
Facebook-f Instagram X Vimeo Linkedin
Gesa Credit Union
51 Gage Blvd. Richland, WA 99352

Banking

Loans

Business banking

Investment services

Contact us

Locations and ATMs

Make a payment

Careers

Resources

Forms

Website Accessibility

Privacy Policy

LPL Financial Form CRS

NCUA
Federally insured by NCUA
Equal Housing Opportunity

Equal Housing Opportunity

CO-OP Shared Branch

Co-op Shared
Branch

© Gesa Credit Union. All Rights Reserved.

Back

Help when you need it.

Gesa makes banking as easy, convenient and secure as possible.

See All Resources
Resources
Quick Links

Routing Number
325181248

Contact
51 Gage Blvd.
Richland, WA 99352

(888) 946-4372

Back

People helping people.

Gesa credit union is committed to making a positive impact in the communities we serve.

Gesa's Community Impacts
In the Community
About Gesa
WSU Affinity Card

Affinity debit cards give back to your community when you swipe.

Back

We're in the business of growing yours.

We have the accounts, products, and services to help you and your small business succeed.

Gesa For Businesses
Business East

Business Visa:
A low-rate card made for business owners.

Learn More

Back

Banking made for you.

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

Explore Promotions
Gesa customer using card

Up to 5.00% APY
On select checking accounts!

Learn More

For You
For Your Business
About Gesa
Resources
Join Gesa
Locations

Español

(888) 946-4372

Routing Number 325181248

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

Getting started is easy!

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.
Get Started
Call (888) 946-4372 or apply at a branch

Already a member?

Use your online banking log-in to pre-fill your application with saved information.

You can easily change your debit card through our affinity form.

Log In to Online Banking
Change my affinity

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.

* * * * *