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So, what exactly is a CD?

In a nutshell, a CD is simply a savings account that holds a fixed amount of money for a fixed amount of time at a fixed rate. At the end of the term, not only do you get your initial contribution back, we pay you the accrued interest.

Calculate your terms.

Initial Deposit

Term Length

3 MonthsAT 4.30% APY*

Open 3 month cd

Gateway Average

$264.00

National Average**

$105.00

Open 3 month CD

The calculator is for illustrative purposes only and may not apply to your individual circumstances. Calculated values assume that principal and interest remain on deposit and are rounded down to the nearest dollar. All APYs are subject to change.

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The CD small print.

This is your Gateway to all the things.

We’re glad you’re here. And if you’ve made it this far down the page, why not take it a step further? You’re interested, we’re interested. Let’s connect.

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Boost your savings with the power of a CD.

When it comes to CD rates, we have some of the best around.

Certificate of Deposit (CD)

FEATURES

BALANCE REQUIREMENTS

So, what exactly is a CD?

Calculate your terms.

You've got questions, we've got answers.

What’s the minimum deposit amount to open my CD? What about the maximum deposit?

Are there any fees to open or maintain my CD?

What’s the minimum term length for my CD? What about the maximum?

Can I add funds to my CD after I’ve opened my account?

Are there penalties if I want to withdraw from my CD early?

Is Gateway First Bank insured by FDIC?

How do I open my CD account?

This is your Gateway to all the things.