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

A Better Relationship With Better Savings.

Featuring a competitive interest rate and 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 Friday, April 12, 2024
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 Rate0.15% Annual Percentage Yield (APY)0.15% 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 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

Let’s Save for Something Better.

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.

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.

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. 

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.