Gesa Post Falls ID Credit Union | Best Auto Loans & Business Banking

Introduction

At Gesa, located at 317 S Beck Rd, Post Falls, ID 83854, we believe in building lasting relationships with our members and the community. Established in 1953, our credit union has grown to serve over 291,761 members, providing a wide range of financial services tailored to meet their needs. With total assets amounting to an impressive $5,565,453,827, we are committed to ensuring your financial health and security. As a trusted partner in your financial journey, we offer everything from personal banking solutions like checking and savings accounts to auto loans and mortgages. Our dedicated team of 848 employees, led by CEO Don Miller and Board President Geof Griebel, is here to support you every step of the way. You can reach us at 509-378-3100 or visit our website at gesa.com for more information. While members can visit us at our branch address for face-to-face interactions, official correspondence should be sent to the same location for convenience: 317 S Beck Rd, Post Falls, ID 83854-4890. At Gesa, we take pride in not just being a financial institution but a community leader dedicated to making a positive impact. We have provided more than 194,910 loans and leases, demonstrating our commitment to empowering individuals and businesses alike. Our net worth stands strong at $580,793,102, ensuring that we are well-equipped to support our members' aspirations. Join us today and experience the Gesa difference where your financial goals become our mission! Whether you need assistance with loans or want to explore investment opportunities, we're here for you. Call us or stop by to learn more about how we can help you achieve your financial dreams!

Branch History & Mission

Join Us Today

As we look ahead to the future, we invite you to become part of the Gesa family. By joining us, you'll gain access to not just financial services but also a supportive community dedicated to your success. Experience firsthand how Gesa is more than just a credit union; it's a place where you belong. Feel free to reach out at 509-378-3100 or explore more about us at Gesa's website. We can't wait to welcome you!

Our Journey

From our humble beginnings, Gesa has steadily expanded its offerings and membership base. We have been dedicated to providing quality financial services while fostering a sense of belonging among our members. With total assets reaching an impressive $5,565,453,827, we continue to thrive and adapt to meet the changing needs of our community. Throughout the years, we have focused on building strong relationships with our members and investing in innovative solutions that enhance their banking experience. Our operating hours from Monday to Friday, 9:00 AM to 6:00 PM allow us to be accessible when our members need us most. We also offer ATM services and a drive-thru for added convenience.

Our Mission

At Gesa, our mission is simple yet profound: to empower our members by providing them with exceptional financial products and services while actively supporting the communities we serve. We believe that financial wellness goes hand-in-hand with community well-being. That's why we engage in various outreach programs and partnerships aimed at improving lives across Post Falls and beyond. We offer a wide array of services including personal banking accounts, auto loans, mortgage financing, and business banking solutions. Our commitment extends beyond traditional banking; we strive to make banking easier through online and mobile options that put control in our members' hands. While you can visit us at 317 S Beck Rd, any official correspondence should be sent to 317 S Beck Rd, Post Falls, ID 83854-4890 if different mailing details are needed.

Branch Location & Accessibility

Accessibility Features

At Gesa, we believe in making banking accessible for everyone. Our branch is designed with ADA-compliant features, including ramps and spacious pathways for those who may need assistance. Parking is readily available, ensuring that your visit is as smooth as possible.

Operating Hours

We're open Monday through Friday from 9:00 AM to 6:00 PM. Our friendly team is ready to assist you during these hours, so feel free to drop by whenever it's convenient for you!

Services Offered

Gesa offers a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Need cash? Our ATM is on-site for quick withdrawals and balance checks. Plus, if you're in a hurry, take advantage of our drive-thru banking service where you can handle deposits and simple transactions without leaving your vehicle. If you have questions or want more information about our services, don't hesitate to reach out! You can give us a call at 509-378-3100. We look forward to welcoming you at Gesa in Post Falls your trusted partner in financial success!

Member Eligibility

At Gesa, we believe that everyone deserves a supportive financial community. Becoming a member is simple and welcoming! If you're located in the area or have family members who are, you likely qualify to join us. We invite individuals who live, work, worship, or attend school in our service areas. This means whether you're settling into your new home or have been part of the community for years, you can enjoy all the benefits we offer. For a detailed look at eligibility requirements, feel free to check out our resource at https://www.gesa.com/about/about-gesa-membership/ . Once you see that you're eligible, opening an account with us is straightforward and convenient. You can start your journey towards better financial health by visiting us in person at our branch located at 317 S Beck Rd Post Falls Id 83854 or exploring the account opening options online through this link: https://www.gesa.com/coupon-enrollment/ . If you have any questions or need assistance, don't hesitate to reach out at (509) 378-3100. We're excited to welcome you into the Gesa family!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to our loan offerings, we provide essential merchant services that simplify your daily operations. Imagine having a reliable payment processing system that helps you serve your customers efficiently while keeping track of transactions effortlessly. Our services are crafted to meet your needs, ensuring you can focus on what matters most growing your business. Visit us at 317 S Beck Rd Post Falls Id 83854 in Post Falls, ID, or give us a call at (509) 378-3100 to explore how we can help your business thrive!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,318 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $897,475,904, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessibility at Your Fingertips

Visiting us in person? Our drive-thru service makes quick transactions easy for those busy days when you're on the go. Whether it's deposits or withdrawals, we strive to serve you efficiently without sacrificing quality service. With so many ways to bank with us whether through traditional methods or digital platforms Gesa ensures that your banking experience is both accessible and enjoyable.

Business Banking Essentials

For small businesses and entrepreneurs, we know every dollar counts. Our business banking services include merchant services that simplify transactions and business loans designed to fuel growth. We aim to support local businesses because when they thrive, our community thrives.

Digital Banking Convenience

In today's fast-paced world, convenience matters more than ever. That's why Gesa offers robust online and mobile banking features. You can manage your accounts anytime, anywhere with ease. From making deposits and transferring funds to accessing ATM and cash withdrawal services, everything is at your fingertips. Our mobile app even allows for person-to-person payments, making it simple to split bills or send money to friends.

Get Started Today!

If you're ready to take control of your financial future, reach out to us at (509) 378-3100 or visit us at 317 S Beck Rd Post Falls Id 83854 in Post Falls, ID during our operating hours from Monday through Friday, 9:00 AM to 6:00 PM. Explore how our comprehensive range of services can support you today!

Personal Banking Solutions

We understand that personal banking is about more than just accounts; it's about your journey. At Gesa, we offer various personal banking options including checking and savings accounts tailored to help you manage your finances effectively. When it comes time for a new vehicle, our auto loans and vehicle financing options can make that dream car a reality without putting too much strain on your budget. If you're considering homeownership or refinancing an existing mortgage, our mortgage loans provide competitive rates and terms to fit your lifestyle. For those unexpected expenses or consolidating debt, our personal loans give you the flexibility you need. And don't forget our credit cards with rewards, which can add value to your everyday purchases while helping you earn points towards exciting rewards.

Digital & Online Banking

Key Services

Our online banking platform is user-friendly and packed with features to help you stay in control of your finances. You can easily check balances, view transaction history, and transfer funds all from the comfort of your home or on the go. Plus, with our mobile application, managing your accounts has never been more convenient. Want to send money to friends or family? Our person-to-person transfers make it simple. Just a few taps on your smartphone, and you're set! Additionally, we offer mobile payments, allowing you to make purchases directly from your device, ensuring that your wallet is always within reach.

Security You Can Trust

We take security seriously. Our electronic signature authorization feature ensures that all your transactions are safe and secure. Plus, you can opt for e-statements to keep track of your financial activities without the hassle of paper clutter. With all these services at your fingertips, you can manage your accounts in real-time, making it easy to stay on top of your finances. Whether you're checking balances or making payments, Gesa is here to support you every step of the way. Discover how our digital banking solutions can enhance your banking experience by visiting us at https://www.gesa.com/ today!

Financial Strength

Commitment to Growth

With $396,901,187 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is robust with $70,825 in used auto loans and a total of $4,439,960,465 in loans and leases available to support your financial goals across various sectors.

Growing Membership Base

With a total of 557,049 share accounts, we are proud of our strong and growing member base that trusts us with their finances. This trust is what drives us to continually improve our services and offerings. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Gesa is your trusted partner. Visit us at 317 S Beck Rd Post Falls Id 83854 or call 509-378-3100 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are secure with us through $1,172,204,361 in share certificates and $312,449,907 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $185,667,323, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our current net income of $0, showcasing our commitment to maintaining a balanced budget while continuing to invest in member services. We also take pride in having 757 full-time employees and 91 part-time employees, ensuring that our branches are always ready to serve you with a knowledgeable and committed team.

Solid Financial Foundation

With a net worth of $580,793,102, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.41% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,267,782,975 in used vehicle loans and $473,418,567 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that make it easier to drive off with the vehicle you want.

Business Loans

For business owners, our outstanding commercial loans totaling $897,475,904 provide the capital needed to grow and expand your business. Whether you're starting a new venture or seeking funds for an existing one, we have options that can suit your business needs.

Credit Lines

If you prefer having access to cash when you need it, consider our credit lines totaling $1,234,049,362. This gives you flexibility and peace of mind knowing you can access funds without delay. Our team at Gesa, located at 317 S Beck Rd Post Falls Id 83854 in Post Falls, ID, is here to assist you every step of the way. For any questions or to get started on your loan application, feel free to give us a call at (509) 378-3100 during our operating hours from Monday to Friday, 9:00 AM to 6:00 PM. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're committed to helping our members navigate their financial journeys with confidence.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $372,833,184, make buying or refinancing simple. We work closely with you to find the best mortgage solution tailored to your needs. Plus, if you're interested in refinancing your current mortgage, we can help you explore those options as well.

Unsecured Credit Card Loans

Managing day-to-day expenses is easier with our unsecured credit card loans. With a total of $207,515,971 in loans available, our credit cards offer flexible terms that help you stay on top of your finances without breaking the bank.

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GESA CREDIT UNION - Post Falls, ID

Type of Loan Offerings

Personal Loans

Student Loans

Vehicle Loans