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

Current Rates: Checking and Savings Accounts

Earning the best rates for your checking and savings accounts keeps you (and your dollars) growing. Check out our current rates – and if you’re waiting for that sign to open your new account with us…this is it!

 

 

Checking Account Rates1

Accurate as of Monday, July 22, 2024
Earning interest with your checking account is simple! You won’t want to miss out on the most competitive rates around.
Account Interest Rate Annual Percentage Yield (APY) Minimum to Open Minimum to Earn APY
AccountBenefit Interest Checking Interest Rate0.01% Annual Percentage Yield (APY)0.01% Minimum to Open$50 Minimum to Earn APY$0.01
AccountPremium Interest Checking – Tier 1 Interest Rate0.10% Annual Percentage Yield (APY)0.10% Minimum to Open$50 Minimum to Earn APY$0.01 - $2,499.99
AccountPremium Interest Checking – Tier 2 Interest Rate0.20% Annual Percentage Yield (APY)0.20% Minimum to Open$50 Minimum to Earn APY$2,500+

Savings Account Rates1

Accurate as of Monday, July 22, 2024
Our interest-earning savings account options are key to preparing for your future. Put your hard-earned dollars to work for you!
Account Interest Rate Annual Percentage Yield (APY) Minimum to Open Minimum to Earn APY
AccountSavings Interest Rate0.10% Annual Percentage Yield (APY)0.10% Minimum to Open$50 Minimum to Earn APY$200
AccountRelationship Savings Interest Rate0.15% Annual Percentage Yield (APY)0.15% Minimum to Open$50 Minimum to Earn APY$100

Minor Savings Account Rates1

Accurate as of Monday, July 22, 2024
Contact us or stop by one of our convenient locations and start saving for the future today!
Interest Rate Annual Percentage Yield (APY)
Interest Rate0.15% Annual Percentage Yield (APY)0.15%

Money Market Savings Account Rates1

Accurate as of Monday, July 22, 2024
With our money market accounts, we bring the competitive interest rates and you earn on your dollars. Like peanut butter and jelly, we go together perfectly.
Interest Rate Annual Percentage Yield (APY) Minimum to Open Minimum to Earn APY
Interest Rate0.35% Annual Percentage Yield (APY)0.35% Minimum to Open$500 Minimum to Earn APY$500 - $24,999.99
Interest Rate0.40% Annual Percentage Yield (APY)0.40% Minimum to Open$500 Minimum to Earn APY$25,000 - $99,999.99
Interest Rate0.60% Annual Percentage Yield (APY)0.60% Minimum to Open$500 Minimum to Earn APY$100,000 - $249,999.99
Interest Rate1.25% Annual Percentage Yield (APY)1.26% Minimum to Open$500 Minimum to Earn APY$250,000 - $499,999.99
Interest Rate2.00% Annual Percentage Yield (APY)2.02% Minimum to Open$500 Minimum to Earn APY$500,000 - $999,999.99
Interest Rate2.50% Annual Percentage Yield (APY)2.52% Minimum to Open$500 Minimum to Earn APY$1,000,000+

High Yield Savings Account Rates1

Accurate as of Monday, July 22, 2024
Contact us, or stop in to start saving with our best – and biggest – interest rates!
Interest Rate Annual Percentage Yield (APY) Minimum Balance to Open Minimum to Earn APY
Interest Rate4.04% Annual Percentage Yield (APY)4.10% Minimum Balance to Open$50,000 Minimum to Earn APY$50,000
Interest Rate0.35% Annual Percentage Yield (APY)0.35% Minimum Balance to Open$50,000 Minimum to Earn APY< $50,000

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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.