woman in kitchen holds coffee and uses phone to enjoy a low minimum account balance

A Better Relationship With Better Savings

Featuring low interest rates and a low minimum balance, our relationship savings account is a perfect fit for any lifestyle. Simply maintain a minimum balance of $100, and watch the interest (and your happiness) add up. 

Finally, a Savings Account Designed With You in Mind.

With a low minimum balance, our relationship savings account makes depositing, transferring and withdrawing funds a breeze. Welcome to a better way of reaching your financial goals!

Get Started

Relationship 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 to Earn APY
Interest Rate0.10% Annual Percentage Yield (APY)0.10% Minimum Balance to Open$50 Minimum to Earn APY$100

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

Let’s Save for Something Better.

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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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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. 

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.