Bank · FDIC insured
Gate City Bank Savings Rates
Gate City Bank’s best savings rate is 0.35% APY on $10,000, with its Money Market Savings. Rates checked October 22, 2026.
How Gate City Bank’s savings 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
0.35%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $35
Money Market Savings
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
2nd-highest rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
Gate City Bank savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0002.80%
- QualifiedQualified0.35%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
High Yield Savings
0.35%APY
No monthly service fees. Interest rate and APY adjust to lower yield if balance falls below $50,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Rate applied when balance falls below $50,000. Minimum to earn APY is $0.01. | 0.35% | $35 | Rate applied when balance falls below $50,000. Minimum to earn APY is $0.01. |
| $50,000 and upMaintain minimum daily balance of $50,000 to earn disclosed APY. | 2.80% | — | Maintain minimum daily balance of $50,000 to earn disclosed APY. |
Money Market Savings
0.35%APY
Monthly service charge of $10 if minimum balance falls below $500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $25,000$10 monthly fee if balance falls below $500. | 0.35% | $35 | $10 monthly fee if balance falls below $500. |
| $25,000 – $100,000$10 monthly fee if balance falls below $500. | 0.35% | — | $10 monthly fee if balance falls below $500. |
| $100,000 – $250,000$10 monthly fee if balance falls below $500. | 0.50% | — | $10 monthly fee if balance falls below $500. |
| $250,000 – $500,000$10 monthly fee if balance falls below $500. | 1.00% | — | $10 monthly fee if balance falls below $500. |
| $500,000 – $1,000,000$10 monthly fee if balance falls below $500. | 2.00% | — | $10 monthly fee if balance falls below $500. |
| $1,000,000 and up$10 monthly fee if balance falls below $500. | 2.50% | — | $10 monthly fee if balance falls below $500. |
Relationship Savings
0.15%APY
$50 minimum opening deposit waived for individuals aged 17 and under. $5 monthly service fee waived if minimum balance of $100 is maintained or for ages 17 and under.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.15% | $15 |
Regular Savings
0.10%APY
$50 minimum opening deposit waived for individuals aged 17 and under. $5 monthly service fee waived if minimum balance of $200 is maintained or for ages 17 and under.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.10% | $10 |
Special-purpose accounts
IRA Money Market
0.35%APY
IRA money markets require a minimum balance of $500 to earn interest and APY. An early withdrawal penalty may apply. Annual contribution limits apply for IRAs.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 – $25,000 | 0.35% | $35 |
| $25,000 – $100,000 | 0.35% | — |
| $100,000 – $250,000 | 0.50% | — |
| $250,000 – $500,000 | 1.00% | — |
| $500,000 – $1,000,000 | 2.00% | — |
| $1,000,000 and up | 2.50% | — |
Sources (2)
All captured Oct 4, 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.