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Advertiser Disclosure
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 Gate City Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 6, 2026
Gate City Bank's Relationship CD - 5 Year rates are at 4.50%, Relationship CD - 2 Year rates are at 4.20%, CD 5 Year rates are at 4.00%, CD 2 Year rates are at 3.70%, Relationship CD - 4 Year rates are at 3.65%. Gate City Bank's savings rates are at 2.80%. Gate City Bank's checking rates are as high as 0.50%. Gate City Bank's Auto Loan Rates are as low as 4.99%. Gate City Bank's top CD rate of 4.50% APY on a 5 year CD is 53% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Gate City Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.49%. Rates last updated and verified on 11/06/2026. Gate City Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Gate City Bank? Share your experience about Gate City Bank by leaving a review below, or read customer reviews before you decide to use Gate City Bank. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Gate City Bank CD Rates
Gate City Bank Savings Rates
Gate City Bank Money Market Rates
Gate City Bank Checking Rates
Gate City Bank Home Equity & HELOC
Gate City Bank Auto Loan Rates
Gate City Bank RV, Boat and Powersport Loan Rates
Gate City Bank Other Rates
Financial Health HistoryGate City Bank’s Texas Ratio rose from 4.54% in Q3 2023 to 5.49% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Gate City Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Gate City Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Gate City Bank's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Gate City Bank
Website
https://www.gatecity.bank
Address
500 2nd Ave N,
Fargo, ND 58102 · Cass
FDIC Certificate #
27774
Regulator
OCC
Established
January 1, 1923
FDIC Insurance Date
August 9, 1989
Domestic Offices
46
Total Branches
46
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.49%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.8466%
Return on Equity (ROE)
9.3000%
Non-Performing Loans Ratio (NPL)
0.51%
Total Assets
$4,043,047,000
Total Deposits
$3,611,517,000
Equity Capital
$373,698,000
Net Income
$17,009,000
Headquarters
Fargo
Total Branches and Offices
46
Source: FDIC — Last Updated June 30, 2026
Customer Reviewspamela greene
July 14, 2026
Gate City Bank is the first bank who gave me a car loan. I am so grateful to them. Also, if any issues arise I talk to the staff and its resolved immediatelyl. Always friendly. Reimburse ATM fees which is key or me because i live in a town where there is no Gate City Bank.
Want to discuss Gate City Bank with other members?
Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Add Your Rating and Review for Gate City Bank
Frequently Asked Questions About Gate City BankDoes Gate City Bank offer CDs?Yes. Gate City Bank current CD rates include its Relationship CD - 5 Year at 4.50% APY, its Relationship CD - 2 Year at 4.20% APY and its CD 5 Year at 4.00% APY, verified by MonitorBankRates as of November 6, 2026. Are CDs from Gate City Bank FDIC insured?Yes. Gate City Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Gate City Bank?The highest Gate City Bank CD rate is its Relationship CD - 5 Year at 4.50% APY, verified by MonitorBankRates as of November 6, 2026. What CD terms does Gate City Bank offer?Gate City Bank CD rates are 2.70% APY for a 12 month CD, 4.20% APY for a 2 year CD, 3.10% APY for a 3 year CD, 3.65% APY for a 4 year CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Gate City Bank for its full lineup. What is the highest savings rate at Gate City Bank?The highest Gate City Bank savings rate is its High Yield Savings Account at 2.80% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest money market rate at Gate City Bank?The highest Gate City Bank money market rate is its Money Market Savings Account at 2.50% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest checking rate at Gate City Bank?The highest Gate City Bank checking rate is its Premium Interest Checking at 0.50% APY, verified by MonitorBankRates as of November 6, 2026. What is the lowest auto loan rate at Gate City Bank?The lowest Gate City Bank auto loan rate is its Auto Loan at 4.99% APR, verified by MonitorBankRates as of November 6, 2026. How many branches does Gate City Bank operate?Gate City Bank currently maintains approximately 46 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Gate City Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Gate City Bank provides members with tools to manage their accounts and build a solid financial history. Does Gate City Bank offer online and mobile banking?Most modern institutions like Gate City Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.gatecity.bank. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Gate City Bank rates compare?Gate City Bank's top CD rate of 4.50% APY on a 5 year CD is 53% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. Gate City Bank's top rates are its Relationship CD - 5 Year at 4.50% APY, its High Yield Savings Account at 2.80% APY, its Premium Interest Checking at 0.50% APY and its Auto Loan at 4.99% APR, verified by MonitorBankRates on November 6, 2026. Current Gate City Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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