# Gate City Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/gate-city-bank
Institution: Gate City Bank (FDIC 27774)
Aliases: 
Status: live
Last verified: 2026-10-22T16:22:27.000Z (October 22, 2026)
Official source: https://www.gatecity.bank/rates/cd-and-ira-rates/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Relationship CD | relationship | 3 months | $1,000 | 3.40% | Not ZIP-priced | −0.90% | 2026-10-22T16:22:27.000Z | [Snapshot 353](https://apyledger.com/snapshots/353) |
| CD | standard | 3 months | $1,000 | 2.90% | Not ZIP-priced | −1.40% | 2026-10-22T16:22:27.000Z | [Snapshot 353](https://apyledger.com/snapshots/353) |
| Exclusive Offer CD | promotional | 5 months | $1,000 | 4.00% | Not ZIP-priced | −0.39% | 2026-10-22T16:22:27.000Z | [Snapshot 353](https://apyledger.com/snapshots/353) |
| Relationship CD | relationship | 6 months | $1,000 | 3.35% | Not ZIP-priced | −1.05% | 2026-10-22T16:22:27.000Z | [Snapshot 353](https://apyledger.com/snapshots/353) |
| CD | standard | 6 months | $1,000 | 2.85% | Not ZIP-priced | −1.55% | 2026-10-22T16:22:27.000Z | [Snapshot 353](https://apyledger.com/snapshots/353) |
| Relationship CD | relationship | 12 months | $1,000 | 3.20% | Not ZIP-priced | −1.37% | 2026-10-22T16:22:27.000Z | [Snapshot 353](https://apyledger.com/snapshots/353) |
| CD | standard | 12 months | $1,000 | 2.70% | Not ZIP-priced | −1.87% | 2026-10-22T16:22:27.000Z | [Snapshot 353](https://apyledger.com/snapshots/353) |
| Exclusive Offer CD | promotional | 13 months | $1,000 | 3.50% | Not ZIP-priced | −1.10% | 2026-10-22T16:22:27.000Z | [Snapshot 353](https://apyledger.com/snapshots/353) |
| Relationship CD | relationship | 24 months | $1,000 | 4.20% | Not ZIP-priced | −0.67% | 2026-10-22T16:22:27.000Z | [Snapshot 353](https://apyledger.com/snapshots/353) |
| CD | standard | 24 months | $1,000 | 3.70% | Not ZIP-priced | −1.17% | 2026-10-22T16:22:27.000Z | [Snapshot 353](https://apyledger.com/snapshots/353) |
| Relationship CD | relationship | 36 months | $1,000 | 3.60% | Not ZIP-priced | −1.35% | 2026-10-22T16:22:27.000Z | [Snapshot 353](https://apyledger.com/snapshots/353) |
| CD | standard | 36 months | $1,000 | 3.10% | Not ZIP-priced | −1.85% | 2026-10-22T16:22:27.000Z | [Snapshot 353](https://apyledger.com/snapshots/353) |
| Relationship CD | relationship | 48 months | $1,000 | 3.65% | Not ZIP-priced | −1.33% | 2026-10-22T16:22:27.000Z | [Snapshot 353](https://apyledger.com/snapshots/353) |
| CD | standard | 48 months | $1,000 | 3.15% | Not ZIP-priced | −1.83% | 2026-10-22T16:22:27.000Z | [Snapshot 353](https://apyledger.com/snapshots/353) |
| Relationship CD | relationship | 60 months | $1,000 | 3.75% | Not ZIP-priced | −1.26% | 2026-10-22T16:22:27.000Z | [Snapshot 353](https://apyledger.com/snapshots/353) |
| CD | standard | 60 months | $1,000 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-22T16:22:27.000Z | [Snapshot 353](https://apyledger.com/snapshots/353) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.