What are the current interest rates at Gateway Credit Union?

Current rates for Gateway Credit Union include: 12-Month CD: 2.25%, 18-Month CD: 2.30%, 24-Month CD: 2.50%, 60-Month CD: 2.50%, MMA: 0.50%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
Gateway Credit Union

iAdvertiser Disclosure

Gateway Credit Union Rates & Review September 2026

Q: How many branches does Gateway Credit Union operate?

Gateway Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Gateway Credit Union?

Yes, to access services at Gateway Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Gateway Credit Union 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Gateway Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Gateway Credit Union's 24 Month IRA rates are at 2.50%, 24 Month Term Deposit rates are at 2.50%, 36 Month IRA rates are at 2.50%, 36 Month Term Deposit rates are at 2.50%, 48 Month Term Deposit rates are at 2.50%. Gateway Credit Union's money market rates are at 0.50%. Gateway Credit Union's Personal Loan Rates are as low as 12.25%. Gateway Credit Union's Credit Card Rates are at 8.90%. MonitorBankRates evaluates the financial stability of Gateway Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.54%. Rates last updated and verified on 09/22/2026.

Gateway Credit Union 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 Gateway Credit Union? Share your experience about Gateway Credit Union by leaving a review below, or read customer reviews before you decide to use Gateway Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.54%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Gateway Credit Union
Main Office

100 Otis Smith Dr
Clarksville, TN 37043-8939

https://www.gatewaycreditunion.com

Gateway Credit Union CD Rates

Product	Rate	APY	Term
24 Month IRA	2.50%	2.50%	24 Month
Min Deposit $1 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
24 Month Term Deposit	2.50%	2.50%	24 months
Min Deposit $1,000 Details Interest Pays Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
36 Month IRA	2.50%	2.50%	36 Month
Min Deposit $1 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
36 Month Term Deposit	2.50%	2.50%	36 months
Min Deposit $1,000 Details Interest Pays Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
48 Month Term Deposit	2.50%	2.50%	48 months
Min Deposit $1,000 Details Interest Pays Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
60 Month Term Deposit	2.50%	2.50%	60 months
Min Deposit $1,000 Details Interest Pays Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
18 Month IRA	2.30%	2.30%	18 Month
Min Deposit $1 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
18 Month Term Deposit	2.30%	2.30%	18 months
Min Deposit $1,000 Details Interest Pays Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
12 Month IRA	2.25%	2.25%	12 Month
Min Deposit $1 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
12 Month Term Deposit	2.25%	2.25%	12 months
Min Deposit $1,000 Details Interest Pays Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
6 Month Term Deposit	2.00%	2.00%	6 months
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%

Gateway Credit Union Savings Rates

Product	Rate	APY
Christmas Club Account	0.15%	0.15%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Regular Share Account	0.10%	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%

Gateway Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	0.50%	0.50%
Min Balance $2,500 Details Minimum balance of $2,500 required to earn dividends. $10 excessive withdrawal fee after 3 per quarter. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Youth Money Market Account	0.50%	0.50%
Min Deposit $1 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%

Gateway Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto (2025-2026)	-	-	4.99%	Up to 60 months
Details Published APR range: 4.99% - 12.50%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
New Auto (2025-2026)	-	-	5.25%	Up to 72 months
Details Published APR range: 5.25% - 12.75%. Up to 84 months * Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
New Auto (2025-2026)	-	-	5.50%	Up to 84 months *
Details Published APR range: 5.50% - 15.00%. Up to 96 months ** Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
New Auto (2025-2026)	-	-	6.50%	Up to 96 months **
Details Published APR range: 6.50% - 15.50%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%

Gateway Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat (Any Year) Loan	-	8.00%	Up to 84 months
Details Published APR range: 8.00% - 18.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Motorcycle (Any Year) Loan	-	8.00%	Up to 60 months
Details Published APR range: 8.00% - 18.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
RV (Any Year) Loan	-	8.00%	Up to 84 months
Details Published APR range: 8.00% - 18.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Jet Ski, ATV, Tractor & Mower (Any Year) Loan	-	8.50%	Up to 60 months
Details Published APR range: 8.50% - 18.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Boat K) Loan	-	9.00%	Up to 120 months
Details Over $20; Published APR range: 9.00% - 18.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Motorcycle (2023 - 2026) Loan	-	9.00%	72 months
Details Published APR range: 9.00% - 18.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
RV K) Loan	-	9.00%	Up to 120 months
Details Over $20; Published APR range: 9.00% - 18.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%

Gateway Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	8.90%
Details No annual fee; Fixed APR Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Visa Classic	-	12.90%
Details Fixed APR Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%

Gateway Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured/Signature Loan	12.25%	Up to 60 months
Details Published APR range: 12.25% - 18.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%

Gateway Credit Union Other Rates

Product	Rate	Points	APY/APR
Accumulation IRA	1.00%	-	1.00%
Min Deposit $1 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%
Special Share Account	0.15%	-	0.15%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.54%

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

Gateway Credit Union’s Texas Ratio fell from 9.91% in Q2 2023 to 7.54% in Q1 2026, so its financial health has improved 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 credit union 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
March 31, 2026	$16M	7.54%	5.0	A
December 31, 2025	$16M	5.55%	5.0	A+
September 30, 2025	$16M	19.67%	4.6	B
June 30, 2025	$15M	14.80%	5.0	A-
March 31, 2025	$16M	20.18%	4.6	B
December 31, 2024	$15M	19.20%	4.7	B
September 30, 2024	$15M	13.88%	5.0	A
June 30, 2024	$14M	14.69%	5.0	A-
March 31, 2024	$14M	17.69%	4.8	B+
December 31, 2023	$14M	10.21%	5.0	A
September 30, 2023	$14M	37.46%	3.1	D
June 30, 2023	$13M	9.91%	5.0	A

Source: NCUA 5300 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 Gateway Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Gateway Credit Union 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 Gateway Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Gateway Credit Union

Website https://www.gatewaycreditunion.com

Address 100 Otis Smith Dr, Clarksville, TN 37043-8939

Phone 931-551-8271

Fax 931-551-3357

President James Watts

CEO Annette Passe

Full-Time Employees 6

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.54%

Return on Assets (ROA)

0.1245%

Return on Equity (ROE)

1.4687%

Non-Performing Loans Ratio (NPL)

1.09%

Total Assets

15,928,353

Total Amount of Shares and Deposits

14,441,484

Total Shares and Deposits < 1 Year

14,110,829

Total Shares and Deposits 1 3 Years

306,447

Total Shares and Deposits > 3 Years

24,208

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

203,635

Total Uninsured Shares and Deposits > $250K (F+J)

203,635

Total Insured Shares and Deposits > $250K (item 17 less item K)

14,237,849

Total Interest Expense (Sum of items 6 8)

25,398

Share Certificates

Number of Accounts for Share Drafts

1,030

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,598

All other shares

210

Money Market Shares

156

Net Income (unless the amount is already included in Undivided Earnings)

19,837

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,672,294

Total Liabilities

14,577,673

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Gateway Credit Union 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/credit-unions/gateway-credit-union-rates-review-68171">
  <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

There are no reviews for Gateway Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Gateway Credit Union

Frequently Asked Questions About Gateway Credit Union

How many branches does Gateway Credit Union operate?

Gateway Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Gateway Credit Union?

Yes, to access services at Gateway Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Gateway Credit Union 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, Gateway Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Gateway Credit Union offer online and mobile banking?

Most modern institutions like Gateway Credit Union 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.gatewaycreditunion.com.