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Extraordinary Futures Begin With Regular Savings 

Hello, competitive interest rates and a low minimum balance!

Saving for Tomorrow Has Never Been Easier.

Complete with no fees when you maintain a minimum balance of only $200, our regular savings account is among the simplest ways to save for your financial future. Depositing, transferring and withdrawing money is a breeze, so you can easily set aside funds for what matters most.

Get Started

Regular Savings Account Rates1

Accurate as of Monday, January 30, 2023
Our interest-earning savings account options are key to preparing for your future. Put your hard-earned dollars to work for you!
Interest Rate Annual Percentage Yield (APY) Minimum Balance to Open Minimum Balance to Maintain
Interest Rate0.04% Annual Percentage Yield (APY)0.04% Minimum Balance to Open$50 Minimum Balance to Maintain$200

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

Ready. Set. Save!

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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.

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Coverdell Education Savings

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

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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!

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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. 

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.