Savings Accounts Designed to Save the Day

Our interest-earning savings account options are key to preparing for your future. You’ll enjoy competitive rates, excellent service and an account that helps you reach your financial goals.

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Better Savings for Better Tomorrows.

Saving for the future is personal. That’s why we’ve worked hard to offer the best savings account options with competitive rates, customized specifically with you in mind.

And when you need us, we’ll be here. Choose to bank with us in person, at home or from anywhere on your mobile device. We also have low-to-no minimum balances and the ability to deposit, transfer or withdraw funds with ease to keep you focused on what matters most.

Or, maybe you’re here to learn more about our business savings options? Our innovative products are designed to simplify the way you do business.

Which Account Is Right for Me? Let’s Compare Options.

All Gate City Bank savings accounts come with exclusive benefits of better earning, including:
  • Competitive interest rates
  • Low minimum deposit requirements to open
  • Seamlessly deposit, transfer or withdraw funds in person or electronically
  • Easily enable Simply Save to round up your purchase from a specified checking account and add it automatically to your savings account!
Features Regular Savings Relationship Savings Money Market Savings Minor Savings Coverdell Education Savings
Get started. Open This Account Open This Account Open This Account
Minimum to Open $50 $50 $500 None $100
Minimum to Earn APY1 $200 $100 $500 None $100
Higher Interest Rates Available Not Included. Included. Included. Not Included. Not Included.
FREE Checks Not Included. Not Included. Included. Not Included. Not Included.
Tax-Free Interest Option2 Not Included. Not Included. Not Included. Not Included. Included.
Learn more. Account Details Account Details Account Details Account Details Account Details
  • Regular Savings

  • Relationship Savings

  • Money Market Savings

  • Minor Savings

    • Minimum to Open None
    • Minimum to Earn APY1 None
    • Higher Interest Rates Available Not Included.
    • FREE Checks Not Included.
    • Tax-Free Interest Option2 Not Included.
    • Account Details
  • Coverdell Education Savings

    • Minimum to Open $100
    • Minimum to Earn APY1 $100
    • Higher Interest Rates Available Not Included.
    • FREE Checks Not Included.
    • Tax-Free Interest Option2 Included.
    • Account Details
woman in kitchen holds coffee and uses phone to enjoy a low minimum account balance

Relationship Savings

Interested in a savings account that offers no fees, competitive interest rates and a lower minimum balance? Our relationship savings account may be the perfect option for you!

guy in glasses and purple shirt enjoys great savings account rates on phone

Regular Savings

Looking for a savings account that’s perfect for your walk of life? Our regular savings option features no fees, competitive interest rates and a low minimum balance.

happy man in office enjoys money market savings with phone and tablet

Money Market Savings

Looking for a savings account with a higher interest rate? Our user-friendly money market savings option features no fees, a great interest rate and a modest minimum balance. 

father and young son sit together and open the best savings account for kids

Minor Savings

Looking for a savings account that’s perfect for kids of any age? Our user-friendly minor savings option features no fees, competitive interest rates and no minimum balance.

1 Maintain the minimum daily balance to maintain the disclosed annual percentage yield. The interest rate and annual percentage yield are accurate as of the effective date shown above only, and are subject to change without notice, at Gate City Bank’s discretion. Fees could reduce earnings on the account.

2 Consult with a tax professional to understand what impact CESA may have on your tax situation.