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Source: https://www.gatecity.bank/rates/cd-and-ira-rates/
Read: 2026-10-22T16:22:27.000Z

Current CD and IRA Rates | Gate City Bank Skip to main content What can we help you find?
Term 1 | Interest Rate | Annual Percentage Yield (APY)
Term 1 5 Month | Interest Rate 3.95% | Annual Percentage Yield (APY) 4.00%
Term 1 13 Month | Interest Rate 3.50% | Annual Percentage Yield (APY) 3.50%
Term 1 | Interest Rate | Annual Percentage Yield (APY)
Term 1 3 Month (90 Day) | Interest Rate 3.36% | Annual Percentage Yield (APY) 3.40%
Term 1 6 Month (182 Day) | Interest Rate 3.32% | Annual Percentage Yield (APY) 3.35%
Term 1 1 Year | Interest Rate 3.20% | Annual Percentage Yield (APY) 3.20%
Term 1 2 Year | Interest Rate 4.20% | Annual Percentage Yield (APY) 4.20%
Term 1 3 Year | Interest Rate 3.60% | Annual Percentage Yield (APY) 3.60%
Term 1 4 Year | Interest Rate 3.65% | Annual Percentage Yield (APY) 3.65%
Term 1 5 Year | Interest Rate 3.75% | Annual Percentage Yield (APY) 3.75%
Term 1 | Interest Rate | Annual Percentage Yield (APY)
Term 1 3 Month (90 Day) | Interest Rate 2.87% | Annual Percentage Yield (APY) 2.90%
Term 1 6 Month (182 Day) | Interest Rate 2.83% | Annual Percentage Yield (APY) 2.85%
Term 1 1 Year | Interest Rate 2.70% | Annual Percentage Yield (APY) 2.70%
Term 1 2 Year | Interest Rate 3.70% | Annual Percentage Yield (APY) 3.70%
Term 1 3 Year | Interest Rate 3.10% | Annual Percentage Yield (APY) 3.10%
Term 1 4 Year | Interest Rate 3.15% | Annual Percentage Yield (APY) 3.15%
Term 1 5 Year | Interest Rate 3.25% | Annual Percentage Yield (APY) 3.25%
Term 1 | Interest Rate | Annual Percentage Yield (APY)
Term 1 3 Month (90 Day) | Interest Rate 3.36% | Annual Percentage Yield (APY) 3.40%
Term 1 6 Month (182 Day) | Interest Rate 3.32% | Annual Percentage Yield (APY) 3.35%
Term 1 1 Year | Interest Rate 3.20% | Annual Percentage Yield (APY) 3.20%
Term 1 2 Year | Interest Rate 4.20% | Annual Percentage Yield (APY) 4.20%
Term 1 3 Year | Interest Rate 3.60% | Annual Percentage Yield (APY) 3.60%
Term 1 4 Year | Interest Rate 3.65% | Annual Percentage Yield (APY) 3.65%
Term 1 5 Year | Interest Rate 3.75% | Annual Percentage Yield (APY) 3.75%
Interest Rate | Annual Percentage Yield (APY) | Minimum to Open | Minimum to Earn APY
Interest Rate 0.35% | Annual Percentage Yield (APY) 0.35% | Minimum to Open $100 | Minimum to Earn APY $500 - $24,999.99
Interest Rate 0.35% | Annual Percentage Yield (APY) 0.35% | Minimum to Open $100 | Minimum to Earn APY $25,000 - $99,999.99
Interest Rate 0.50% | Annual Percentage Yield (APY) 0.50% | Minimum to Open $100 | Minimum to Earn APY $100,000 - $249,999.99
Interest Rate 1.00% | Annual Percentage Yield (APY) 1.00% | Minimum to Open $100 | Minimum to Earn APY $250,000 - $499,999.99
Interest Rate 1.99% | Annual Percentage Yield (APY) 2.00% | Minimum to Open $100 | Minimum to Earn APY $500,000 - $999,999.99
Interest Rate 2.48% | Annual Percentage Yield (APY) 2.50% | Minimum to Open $100 | Minimum to Earn APY $1,000,000+
1 We’re here to tell ya the minimum balance required to open an account is $1,000 for certificates of deposit (CDs) and $100 for individual retirement accounts (IRAs). There is no minimum balance required to earn interest and APY on CDs, but IRA money markets require a minimum balance of $500. Ope, an early withdrawal penalty may apply. Annual contribution limits apply for IRAs.