Introducing our NEW Mortgage Rate Relief Program, offering rates approximately 2% lower than current market rates to eligible homebuyers. Find out more!

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

You Deserve Some Credit

A long-awaited vacation. Unexpected car maintenance. A home office renovation. Whatever your dreams are for tomorrow, we’ve got you covered with a classic line of credit today.

Apply Now

Say Goodbye to Higher Credit Card Interest Rates.

Our classic lines of credit are a much better way to access fast and flexible funds for your day-to-day! And what you spend toward is entirely up to you. With Gate City Bank, you can expect:

  • Credit lines of $5,000 to $100,000 (based on approved credit)

  • A quick and easy application

  • Competitive interest rates

  • No penalties for early payoffs

Looking for Something Slightly Different? We’ve Got You.

smiling woman looking at the horizon from her new RV

Oh Hello, Happy Place!

Whether it’s on the ice, water or open road, we’ve got the keys to your next adventure.

young first time homebuyer father plays with baby on kitchen floor of new house

Basics for First-Time Homebuyers.

There's a lot that goes into buying your first home. We've gathered all the information needed to assist you in preparing to take the leap.

joyful young man takes advantage of financial education resources from Gate City Bank

Grow More Than Just Your Credit Score.

Whether it’s credit cards, emergency savings or countless other money topics, our education articles and videos are designed with your future in mind.