Gate City Bank CD Rates — October 2026
As of October 22, 2026, Gate City Bank's highest tracked CD rate is 4.20% APY on a 24-month relationship CD ($1,000 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 2.70% to 3.70% APY.
Tracking began .
Gate City Bank CD rates
Includes CD specials, relationship CD rates (requires a Gate City Bank checking account) and standard CD rates. Minimum opening balance is $1,000. CDs are opened at a location. Early withdrawal penalties may apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.00% APY (5 months). The standard rate for a similar term is 2.85% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $115 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Gate City Bank's best CD rates by term?
Gate City Bank's best rate is 4.20% APY on 24 months, verified October 22, 2026.
- 3 mo3.40%
- 5 mo4.00%
- 6 mo3.35%
- 12 mo3.20%
- 13 mo3.50%
- 24 mo4.20%
- 36 mo3.60%
- 48 mo3.65%
- 60 mo3.75%
How much interest could a Gate City Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$857.64 interest · $10,857.64 at maturity on $10,000.00.
4.20% APY · 24 months · Relationship CD · Relationship · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $41.853.40% APY · Relationship CD · Relationship | $83.713.40% APY · Relationship CD · Relationship | $209.273.40% APY · Relationship CD · Relationship | $418.533.40% APY · Relationship CD · Relationship |
| 5 months | $82.344.00% APY · Exclusive Offer CD · Promotional | $164.674.00% APY · Exclusive Offer CD · Promotional | $411.684.00% APY · Exclusive Offer CD · Promotional | $823.364.00% APY · Exclusive Offer CD · Promotional |
| 6 months | $83.293.35% APY · Relationship CD · Relationship | $166.583.35% APY · Relationship CD · Relationship | $416.453.35% APY · Relationship CD · Relationship | $832.903.35% APY · Relationship CD · Relationship |
| 12 months | $160.003.20% APY · Relationship CD · Relationship | $320.003.20% APY · Relationship CD · Relationship | $800.003.20% APY · Relationship CD · Relationship | $1,600.003.20% APY · Relationship CD · Relationship |
| 13 months | $189.653.50% APY · Exclusive Offer CD · Promotional | $379.313.50% APY · Exclusive Offer CD · Promotional | $948.273.50% APY · Exclusive Offer CD · Promotional | $1,896.533.50% APY · Exclusive Offer CD · Promotional |
| 24 months | $428.824.20% APY · Relationship CD · Relationship | $857.644.20% APY · Relationship CD · Relationship | $2,144.104.20% APY · Relationship CD · Relationship | $4,288.204.20% APY · Relationship CD · Relationship |
| 36 months | $559.673.60% APY · Relationship CD · Relationship | $1,119.353.60% APY · Relationship CD · Relationship | $2,798.373.60% APY · Relationship CD · Relationship | $5,596.733.60% APY · Relationship CD · Relationship |
| 48 months | $770.953.65% APY · Relationship CD · Relationship | $1,541.903.65% APY · Relationship CD · Relationship | $3,854.743.65% APY · Relationship CD · Relationship | $7,709.493.65% APY · Relationship CD · Relationship |
| 60 months | $1,010.503.75% APY · Relationship CD · Relationship | $2,021.003.75% APY · Relationship CD · Relationship | $5,052.503.75% APY · Relationship CD · Relationship | $10,104.993.75% APY · Relationship CD · Relationship |
How Gate City Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 730-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 43 of 221 tracked institutions with fresh 730-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Gate City Bank (this institution)Relationship CD · Relationship | 24 months | $1,000 | Coverage: MN, ND | 4.20% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 24 months | Not stated | Nationwide; check eligibility | 4.80% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 24 months | $10,000 | Nationwide; check eligibility | 4.80% | October 22, 2026 |
| Barclays24 Month CD · Standard | 24 months | Not stated | Nationwide; check eligibility | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Regular Share Certificate · Standard | 24 months | $500 | Coverage: MD | 5.20% | October 22, 2026 |
| Treasury (APY-equivalent) | 24 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.87% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Gate City Bank on October 22, 2026.
About Gate City Bank
- Legal name
- Gate City Bank
- Regulator ID
- FDIC 27774
- Headquarters
- Fargo, ND
- Available in
- MN, ND
- Total assets
- $4.0 billion
- Also known as
- Website
- www.gatecity.bank
Source: rates read from https://www.gatecity.bank/rates/cd-and-ira-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Gate City Bank?
Among the rates we track, 4.20% APY on a 24-month relationship CD, as of October 22, 2026.
What is the minimum deposit for a Gate City Bank CD?
The lowest minimum we found is $1,000.
How does Gate City Bank's best CD rate compare with Treasury yields?
4.20% APY is −0.67% versus the 24-month Treasury yield of 4.87% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.20% a good CD rate?
It is 2.7 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Gate City Bank CDs insured?
Gate City Bank is an FDIC-insured bank (FDIC 27774). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Gate City Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Gate City Bank's website and may change at any time. Confirm terms, minimums and eligibility with Gate City Bank before opening an account. This page is not financial advice.