Bank · FDIC insured
Gateway Bank CD Rates
Gateway Bank’s best CD rate is 3.30% APY on a 1-year CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Gateway Bank’s CD rates compare
Compared with banks and credit unions near Phoenix, AZ, where Gateway Bank has the most branches. $10,000, best rate first.
This bank’s best
Gateway Bank
3.30%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $330
Certificates of Deposit
Top rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
2nd-highest rate
AERO Financial
4.50%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $260
Gateway Bank CD score
68
CD score
Higher than 20% of U.S. banks and credit unions
- 3–8 months3–8 mo2.53%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo3.04%
- 31–60 months31–60 mo2.53%
- QualifiedQualified3.30%
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 Gateway 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.
Certificates of Deposit
Up to 3.30%APY · 5 terms
$1,000 minimum deposit. Free online banking. Interest compounded and credited monthly. Penalties may be incurred if you withdraw money from your CD before it matures.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsThere may be a penalty for withdrawing your money early | 2.53% | $126 |
| 12 monthsThere may be a penalty for withdrawing your money early | 3.30% | $330 |
| 24 monthsThere may be a penalty for withdrawing your money early | 3.04% | $617 |
| 36 monthsThere may be a penalty for withdrawing your money early | 2.53% | $778 |
| 60 monthsThere may be a penalty for withdrawing your money early | 2.02% | $1,052 |
Sources (2)
All captured Oct 3, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 3.30%APY · 5 terms
Our IRAs allow you to invest pre-tax or post-tax money into certificates of deposit (CDs). $1,000 minimum deposit. Free online banking. Interest compounded and credited monthly. Penalties may be incurred if you withdraw money from your IRA before it matures.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsThere may be a penalty for withdrawing your money early | 2.53% | $126 |
| 12 monthsThere may be a penalty for withdrawing your money early | 3.30% | $330 |
| 24 monthsThere may be a penalty for withdrawing your money early | 3.04% | $617 |
| 36 monthsThere may be a penalty for withdrawing your money early | 2.53% | $778 |
| 48 monthsThere may be a penalty for withdrawing your money early | 2.53% | $1,051 |
Sources (2)
All captured Oct 3, 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.