What are the current interest rates at Gate City Bank?

Current rates for Gate City Bank include: 12-Month CD: 2.70%, 24-Month CD: 3.00%, 36-Month CD: 3.10%, 48-Month CD: 3.15%, 60-Month CD: 3.25%, Savings: 0.10%

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Gate City Bank

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Gate City Bank Rates & Review September 2026

Item: Gate City Bank
Rating: 5
Author: pamela greene

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Gate City Bank's 5-Month CD rates are at 4.00%, 5 Year Relationship CD rates are at 3.75%, 4 Year Relationship CD rates are at 3.65%, 3 Year Relationship CD rates are at 3.60%, 13-Month CD rates are at 3.50%. Gate City Bank's savings rates are at 0.10%. 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 5.77%. Rates last updated and verified on 09/19/2026.

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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.77%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Gate City Bank

500 2nd Ave N
Fargo, ND 58102

https://www.gatecity.bank

Gate City Bank CD Rates

Product	Rate	APY	Term
5 Month CD	3.95%	4.00%	5 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
5 Year Relationship CD	3.75%	3.75%	5 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
4 Year Relationship CD	3.65%	3.65%	4 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
3 Year Relationship CD	3.60%	3.60%	3 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
13 Month CD	3.50%	3.50%	13 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
2 Year Relationship CD	3.50%	3.50%	2 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
3 Month Relationship CD	3.36%	3.40%	3 Month (90 Day)
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
6 Month Relationship CD	3.32%	3.35%	6 Month (182 Day)
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
5 Year Certificate of Deposit	3.25%	3.25%	5 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
1 Year Relationship CD	3.20%	3.20%	1 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
4 Year Certificate of Deposit	3.15%	3.15%	4 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
3 Year Certificate of Deposit	3.10%	3.10%	3 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
2 Year Certificate of Deposit	3.00%	3.00%	2 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
3 Month Certificate of Deposit	2.87%	2.90%	3 Month (90 Day)
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
6 Month Certificate of Deposit	2.83%	2.85%	6 Month (182 Day)
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
1 Year Certificate of Deposit	2.70%	2.70%	1 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%

Gate City Bank Savings Rates

Product	Rate	APY
Relationship Savings Account	0.15%	0.15%
Min Deposit $50 Min Balance $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
Savings	0.10%	0.10%
Min Deposit $50 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%

Gate City Bank Checking Rates

Product	Rate	APY
Premium Interest Checking	0.50%	0.50%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
Premium Interest Checking	0.35%	0.35%
Min Deposit $50 Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
Premium Interest Checking	0.05%	0.05%
Min Deposit $50 Min Balance $0 Details Balance: $0.01 - $4,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
Preferred Perks Checking	0.01%	0.01%
Min Deposit $50 Min Balance $0 Details Balance: $0.01 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Gate City Bank’s Texas Ratio rose from 4.81% in Q3 2023 to 5.77% 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$4.0B	5.77%	5.0	A+
March 31, 2026	$4.0B	5.93%	5.0	A+
December 31, 2025	$4.0B	6.01%	5.0	A
September 30, 2025	$3.8B	6.06%	5.0	A
June 30, 2025	$3.8B	6.30%	5.0	A
March 31, 2025	$3.8B	6.82%	5.0	A
December 31, 2024	$3.8B	7.15%	5.0	A
September 30, 2024	$3.7B	6.47%	5.0	A
June 30, 2024	$3.6B	6.23%	5.0	A
March 31, 2024	$3.5B	5.02%	5.0	A+
December 31, 2023	$3.5B	4.88%	5.0	A+
September 30, 2023	$3.5B	4.81%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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

Institution Name Gate City Bank

FDIC Certificate # 27774

Address 500 2nd Ave N, Fargo, ND 58102 · Cass

Website https://www.gatecity.bank

Established 19230101

FDIC Insurance Date 19890809

Domestic Offices 46

Total Branches 46

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.77%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8466%

Return on Equity (ROE) 9.3000%

Non-Performing Loans (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 06/30/2026

2026 MBR Health & Safety Badge

Gate City Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/gate-city-bank-rates-review-27774">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

pamela 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.

Log in to reply Are you from Gate City Bank and want to reply to a review? Log in or register and verify yourself to reply as a representative from 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.

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for Gate City Bank

Frequently Asked Questions About Gate City Bank

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.