For a Better Way of Lending

At Gate City Bank, we know what it means to stand behind our loans to ensure we have low rates, local service and an easy process. Let’s get you started.

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Road Trip With Us.

Enjoy low rates, flexible options and convenient payment scheduling for your next vehicle.

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Take the Road Less Traveled.

Maybe it's your next bike, a speedy boat or that fancy RV you’re dreaming of. Any way you want to move, we've got your next mobile adventure under wraps!

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happy young woman talks on phone from car backseat while enjoying line of credit

Options to Keep You Moving.

A classic line of credit is a flexible way to access money as needed. You’ll enjoy lower rates to keep you on the move!

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gate city bank unsecured loans don’t require collateral

No Collateral? No Problem!

Whether you're interested in a home improvement project, consolidating credit card debt or funding a much-needed vacation, our unsecured loans are a perfect option that doesn’t require collateral.

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Let’s Get You Home.

We offer mortgage options focused on keeping the process simple and the experience nothing short of wonderful. Find a lender and start your application online today!

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joyful young family of three walks in front of their home after refinancing their mortgage with Gate City Bank

Refinancing Made Easy.

Refinancing with us could mean lower monthly payments, shorter loan periods – or even additional cash for that home project you’ve been dreaming of! First things first, let’s find you a lender.

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young couple dancing in remodeled kitchen they obtained a home equity loan for

Home Is Where the Project Is.

Put your home’s value to work as collateral to finance your next dreamy update. Contact a lender and get started today!

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father and daughter swim in new pool they obtained with a home equity line of credit

Take Full [Home] Advantage.

Easily borrow against your home’s available equity and use it to guarantee the line of credit. Contact a lender and get started today!

Meet a Lender

RP Test.png​Mortgages We Stand Behind.

With our Blue Standard pre-approval, competitive rates and trust with real estate agents and sellers, we ensure a smooth process from heart to home. You’ll have peace of mind knowing your pre-approval will come through on closing day! 

Happy business loans customer.


You’ve worked tirelessly to build your business into what it is today, and being the smart entrepreneur you are, you’re always thinking about what’s ahead. Whether it’s expanding operations or financing crucial supplies, we’ll help your business grow.

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Insurance Services

Let us help you protect what matters most. We’ve got you covered with comprehensive plan options, competitive quotes and excellent customer service.

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Current Promotions

At Gate City Bank, you'll receive exclusive bank offers and promotions on loans, accounts and gifts! Keep checking back for the latest and greatest deals.

We’re Here to Help

Have questions? We’d love to help! Give us a call, send a message online or visit us in person.