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Consumer Rates

Market leading rates that prove we value your business. Not only does Gateway offer smart banking choices combined with the convenience of today’s leading technology, but we are also committed to offering interest rates that remind you that we value your business.

Accurate as of 04/01/24

Member FDIC

Promotional CD Term (minimum $500)1,2,9,10Interest RateAnnual Percentage Yield
7 months5.37%5.50%
13 months4.89%5.00%
Promotional CD Term (minimum $500)1,2,9,107 months
Interest Rate5.37%
Annual Percentage Yield5.50%
Promotional CD Term (minimum $500)1,2,9,1013 months
Interest Rate4.89%
Annual Percentage Yield5.00%
CD Term (minimum $500)1,2,3,9Interest RateAnnual Percentage Yield
6 months3.40%3.45%
12 months3.20%3.25%
24 months3.30%3.35%
36 months3.06%3.10%
48 months2.96%3.00%
60 months2.86%2.90%
CD Term (minimum $500)1,2,3,96 months
Interest Rate3.40%
Annual Percentage Yield3.45%
CD Term (minimum $500)1,2,3,912 months
Interest Rate3.20%
Annual Percentage Yield3.25%
CD Term (minimum $500)1,2,3,924 months
Interest Rate3.30%
Annual Percentage Yield3.35%
CD Term (minimum $500)1,2,3,936 months
Interest Rate3.06%
Annual Percentage Yield3.10%
CD Term (minimum $500)1,2,3,948 months
Interest Rate2.96%
Annual Percentage Yield3.00%
CD Term (minimum $500)1,2,3,960 months
Interest Rate2.86%
Annual Percentage Yield2.90%
High Yield Savings minimum balance 4,5,6,9,11,12,13,14Interest RateAnnual Percentage Yield
Any balance up to $250,000.013.46%3.50%
High Yield Savings minimum balance 4,5,6,9,11,12,13,14Any balance up to $250,000.01
Interest Rate3.46%
Annual Percentage Yield3.50%
Gateway Checking Minimum Balance5,6,7,9Interest RateAnnual Percentage Yield
Any balance0.50%0.50%
Gateway Checking Minimum Balance5,6,7,9Any balance
Interest Rate0.50%
Annual Percentage Yield0.50%
Savings Minimum Balance5,6,8,9Interest RateAnnual Percentage Yield
Any balance2.48%2.50%
Savings Minimum Balance5,6,8,9Any balance
Interest Rate2.48%
Annual Percentage Yield2.50%

Deposit accounts not available in the following states: Alaska, California, Georgia, Hawaii, Illinois, Maine, Massachusetts, Montana, New Hampshire, New York, Rhode Island, Vermont.

  1. A penalty may be imposed for early withdrawal.

  2. IRA CDs (min. $500 to open) can be opened for 1 year, 13 months, 2 year, and 3 year fixed terms at the 12, 13, 24, and 36 month Interest Rates and Annual Percentage Yields shown.

  3. Existing CDs automatically renewing for time periods other than those listed will earn the Interest Rate and Annual Percentage Yield for the next-lower CD Term time period.

  4. Minimum balance to open a Gateway High Yield Savings account is $1,000.

  5. The Interest Rate and Annual Percentage Yield may change after the account is opened.

  6. Fees could reduce earnings on the account.

  7. Minimum balance to open a Gateway Checking account is $25.

  8. Minimum balance to open a Savings account is $10.

  9. Deposit products, interest rates, and Annual Percentage Yields may vary for businesses, financial institutions, and public funds, and are not available to brokers or dealers.

  10. 7 and 13 month Promo CDs automatically renew into 6 and 12 month CDs, respectively.

  11. There are no maximum or minimum interest rate limits for this account.

  12. Interest will accrue on daily balances up to $250,000. Interest will not accrue on amounts exceeding the $250,000 daily balance cap.

  13. $10,000 minimum daily balance to avoid fee.

  14. $10 monthly service fee if minimum daily balance is not met.

Click here for a PDF of today’s deposit rates.