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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 08/20/24

Member FDIC

Promotional CD Term (Minimum Balance $500)1,2,9,10Interest RateAnnual Percentage Yield
7 months4.74%4.85%
Promotional CD Term (Minimum Balance $500)1,2,9,107 months
Interest Rate4.74%
Annual Percentage Yield4.85%
CD Term (Minimum Balance $500)1,2,3,9Interest RateAnnual Percentage Yield
6 months3.40%3.45%
12 months4.21%4.30%
24 months3.30%3.35%
36 months3.06%3.10%
48 months2.96%3.00%
60 months2.86%2.90%
CD Term (Minimum Balance $500)1,2,3,96 months
Interest Rate3.40%
Annual Percentage Yield3.45%
CD Term (Minimum Balance $500)1,2,3,912 months
Interest Rate4.21%
Annual Percentage Yield4.30%
CD Term (Minimum Balance $500)1,2,3,924 months
Interest Rate3.30%
Annual Percentage Yield3.35%
CD Term (Minimum Balance $500)1,2,3,936 months
Interest Rate3.06%
Annual Percentage Yield3.10%
CD Term (Minimum Balance $500)1,2,3,948 months
Interest Rate2.96%
Annual Percentage Yield3.00%
CD Term (Minimum Balance $500)1,2,3,960 months
Interest Rate2.86%
Annual Percentage Yield2.90%
High Yield Savings Minimum Balance 4,5,6,9,11Interest RateAnnual Percentage Yield
Any balance below $250,000.013.46%3.50%
High Yield Savings Minimum Balance 4,5,6,9,11Any balance below $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%
Personal Savings Minimum Balance5,6,8,9Interest RateAnnual Percentage Yield
Any balance2.48%2.50%
Personal 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 (Minimum Balance $500) can be opened for 1 year, 2 year, and 3 year fixed terms at the 12, 24, and 36 month Interest Rates and Annual Percentage Yields shown above.

  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 opening deposit for 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 opening deposit for a Gateway Checking account is $25.

  8. Minimum opening deposit for 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 Month Promo CD automatically renews into 6 Month CD, respectively.

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

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