What are the current interest rates at Gateway Credit Union?

Current rates for Gateway Credit Union include: MMA: 0.50%

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Gateway Credit Union

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Gateway Credit Union Rates & Review March 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: March 26, 2026

Gateway Credit Union's money market rates are at 0.50%. MonitorBankRates evaluates the financial stability of Gateway Credit Union with a 4.3 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 22.88%. Rates were last updated on 03/26/2026.

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.

Overall Health & Safety Grade

B-

Adequate Health Score: 82/100

MonitorBankRates Rating

4.3

Excellent Out of 5.0 Stars

Texas Ratio

22.88%

Good Higher than avg

Gateway Credit Union
Main Office

100 Otis Smith Dr
Clarksville, TN 37043 8939

https://www.gatewaycreditunion.com

Gateway Credit Union Savings Rates

Product	Rate	APY
Christmas Club Account	0.15%	0.15%
No additional details. Last Updated 03/26/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 22.88%
Regular Share Account	0.10%	0.10%
No additional details. Last Updated 03/26/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 22.88%

Gateway Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	0.50%	0.50%
Min Balance $2,500 Details $10 excessive withdrawal fee after 3 per quarter. Last Updated 03/26/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 22.88%
Youth Money Market Account	0.50%	0.50%
Min Deposit $1 Last Updated 03/26/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 22.88%

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.

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

4.3 / 5.0 ★

Overall Health & Safety Grade

B- (82/100)

Texas Ratio

22.88%

Return on Assets (ROA)

-0.7627%

Return on Equity (ROE)

-8.4635%

Non-Performing Loans Ratio (NPL)

2.92%

Total Assets

15,677,219

Total Amount of Shares and Deposits

14,120,098

Total Shares and Deposits < 1 Year

13,842,186

Total Shares and Deposits 1 3 Years

277,913

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

14,120,098

Total Interest Expense (Sum of items 6 8)

79,618

Share Certificates

Number of Accounts for Share Drafts

1,031

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,634

All other shares

212

Money Market Shares

165

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

-119,577

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,050,313

Total Liabilities

14,272,613

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Gateway Credit Union

Is Gateway Credit Union a safe place to deposit money?

Yes, Gateway Credit Union is considered a safe financial institution. With a Texas Ratio of 22.87897705074%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

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.