Bank · FDIC insured
Gate City Bank CD Rates
Gate City Bank’s best CD rate is 4.00% APY on a 5-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Gate City Bank’s CD rates compare
Compared with banks and credit unions near Fargo, ND-MN, where Gate City Bank has the most branches. $10,000, best rate first.
This bank’s best
Gate City Bank
4.20%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $858
Relationship CD
Top rate
Magnifi Financial
4.50%APY
- Term
- 30 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,163
2nd-highest rate
Midwest Bank
4.50%APY
- Term
- 54 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,191
Gate City Bank CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Gate City Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Relationship CD
Up to 4.20%APY · 7 terms
Requires a Gate City Bank checking account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRequires a Gate City Bank checking account | 3.40% | $84 |
| 6 monthsRequires a Gate City Bank checking account | 3.35% | $166 |
| 12 monthsRequires a Gate City Bank checking account | 3.20% | $320 |
| 24 monthsRequires a Gate City Bank checking account | 4.20% | $858 |
| 36 monthsRequires a Gate City Bank checking account | 3.60% | $1,119 |
| 48 monthsRequires a Gate City Bank checking account | 3.65% | $1,542 |
| 60 monthsRequires a Gate City Bank checking account | 3.75% | $2,021 |
Sources (2)
All captured Oct 22, 2026
Certificate of Deposit
Up to 4.00%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.90% | $72 |
| 5 monthsExclusive offer | 4.00% | $165 |
| 6 months | 2.85% | $141 |
| 12 months | 2.70% | $270 |
| 13 monthsExclusive offer | 3.50% | $380 |
| 24 months | 3.70% | $754 |
| 36 months | 3.10% | $959 |
| 48 months | 3.15% | $1,321 |
| 60 months | 3.25% | $1,734 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA CD
Up to 4.20%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.40% | $84 |
| 5 monthsExclusive offer | 4.00% | $165 |
| 6 months | 3.35% | $166 |
| 12 months | 3.20% | $320 |
| 13 monthsExclusive offer | 3.50% | $380 |
| 24 months | 4.20% | $858 |
| 36 months | 3.60% | $1,119 |
| 48 months | 3.65% | $1,542 |
| 60 months | 3.75% | $2,021 |
Sources (2)
All captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.