# Certificates Of Deposit

Source: https://www.gatewayfirst.com/personal/certificates-of-deposit

With a range of competitive rates, term lengths, and flexible minimum opening deposit amounts, a certificate of deposit from Gateway is the perfect way to save.

## Boost your savings with the power of a CD.
A Certificate of Deposit (CD) can help you reach your savings goals, sooner.
### When it comes to CD rates, we have some of the best around.
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#### Certificate of Deposit (CD)
Reach your savings goals, sooner.
Competitive interest rates
No monthly service fees
Easy to open
### FEATURES

- Competitive interest rates
- No Monthly Service Fee
- Easy to open
- Access to online banking tools
- Terms lengths range from 6 months to 60 months

### BALANCE REQUIREMENTS

- $500 minimum opening deposit
### 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.
### You've got questions, we've got answers.
#### What’s the minimum deposit amount to open my CD? What about the maximum deposit?
The minimum opening deposit is $500, and there is a $100,000 maximum limit when funding by ACH online.
#### Are there any fees to open or maintain my CD?
No, not one.
#### What’s the minimum term length for my CD? What about the maximum?
The minimum term is six months while the maximum is 60 months, but you always have the option to renew your CD with us.
#### Can I add funds to my CD after I’ve opened my account?
Unfortunately, no. Once you’ve funded your CD, you’ll have to wait until it matures to add more funds to your account. But with our low minimum-opening balance, you can open another CD.
#### Are there penalties if I want to withdraw from my CD early?
There may be penalties associated with early withdrawals from your CD account.
#### Is Gateway First Bank insured by FDIC?
Yes, Gateway is a member of the FDIC. That means you can rest assured knowing each depositor at Gateway is insured up to at least $250,000.
#### How do I open my CD account?
If you have questions, call 800-329-3371 and one of our bankers can assist you.
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Published: 2026-05-14T17:16:03.074Z