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Happy hiking couple from ND, relaxing on a mountainside while their high yield savings account grows with Gate City Bank

High Yield Savings.
Zero Effort.

Save big. Breathe easy. Watch your balance climb faster with our best interest rates and no monthly fees – all with easy access to your account anytime.

Take It From the Top.

Complete with no fees and our highest interest rates, our high yield savings account may be the perfect way to sit back and put your savings to work. To learn more or set up your account, stop by any of our convenient locations or contact us today!

Find My Nearest Location

High Yield Savings Account Rates1

Accurate as of Monday, July 22, 2024
Contact us, or stop in to start saving with our best – and biggest – interest rates!
Interest Rate Annual Percentage Yield (APY) Minimum Balance to Open Minimum to Earn APY
Interest Rate4.04% Annual Percentage Yield (APY)4.10% Minimum Balance to Open$50,000 Minimum to Earn APY$50,000
Interest Rate0.35% Annual Percentage Yield (APY)0.35% Minimum Balance to Open$50,000 Minimum to Earn APY< $50,000

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 High Yield Savings Coverdell Education Savings
Get started. Open This Account Open This Account Open This Account
Minimum to Open $50 $50 $500 $50,000 $100
Minimum to Earn APY1 $200 $100 $500 None $100
Monthly Service Charge $5 if balance is less than $200 $5 if balance is less than $100 $10 if balance is less than $500 None None
Higher Interest Rates Available Not Included. Not Included. Included. 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

    • Open This Account
    • Minimum to Open $50
    • Minimum to Earn APY1 $200
    • Monthly Service Charge $5 if balance is less than $200
    • Higher Interest Rates Available Not Included.
    • Free Checks Not Included.
    • Tax-Free Interest Option2 Not Included.
    • Account Details
  • Relationship Savings

    • Open This Account
    • Minimum to Open $50
    • Minimum to Earn APY1 $100
    • Monthly Service Charge $5 if balance is less than $100
    • Higher Interest Rates Available Not Included.
    • Free Checks Not Included.
    • Tax-Free Interest Option2 Not Included.
    • Account Details
  • Money Market Savings

    • Open This Account
    • Minimum to Open $500
    • Minimum to Earn APY1 $500
    • Monthly Service Charge $10 if balance is less than $500
    • Higher Interest Rates Available Included.
    • Free Checks Included.
    • Tax-Free Interest Option2 Not Included.
    • Account Details
  • High Yield Savings

    • Minimum to Open $50,000
    • Minimum to Earn APY1 None
    • Monthly Service Charge None
    • Higher Interest Rates Available 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
    • Monthly Service Charge None
    • Higher Interest Rates Available Not Included.
    • Free Checks Not Included.
    • Tax-Free Interest Option2 Included.
    • Account Details

Find the Right Balance 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 Fargo office – checking his Gate City Bank money market account and current savings balance on his 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. 

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!

couple gazes at phone to learn more about the Coverdell Education Savings account

Coverdell Education Savings

Saving for post-secondary schooling? Our Coverdell Education Savings account features tax-free interest and a low minimum balance.

1 Maintain the minimum daily balance to maintain the disclosed annual percentage yield (APY). For a high yield savings account, if the balance falls below $50,000, interest rate and APY will adjust to the lower yield. The interest rate and APY are accurate as of the effective date shown above only, and are subject to change without notice, at Gate City Bank's discretion. Fees, including service fees, may apply and could reduce earnings on the account. See fee schedule for details.

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