Bank · FDIC insured
Gateway Bank CD Rates
Gateway Bank’s best CD rate is 4.00% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Gateway Bank’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Gateway Bank has the most branches. $10,000, best rate first.
This bank’s best
Gateway Bank
4.00%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $198
Certificates of Deposit
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
Gateway Bank CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo2.40%
- 31–60 months31–60 mo2.55%
- QualifiedQualified4.00%
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 4.00%APY · 12 terms
The interest rate and APY may change after account opening. Fees may reduce earnings. $1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 3.15% | $78 |
| 6 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 4.00% | $198 |
| 8 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 3.96% | $262 |
| 9 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 3.80% | $284 |
| 12 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 4.00% | $400 |
| 13 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 3.90% | $423 |
| 15 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 3.25% | $408 |
| 18 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 2.25% | $339 |
| 24 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 2.40% | $486 |
| 36 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 2.45% | $753 |
| 48 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 2.50% | $1,038 |
| 60 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 2.55% | $1,342 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificates of Deposit
Up to 4.00%APY · 12 terms
Individual Retirement Account (IRA) also available. The interest rate and APY may change after account opening. Fees may reduce earnings. $1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 3.15% | $78 |
| 6 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 4.00% | $198 |
| 8 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 3.96% | $262 |
| 9 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 3.80% | $284 |
| 12 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 4.00% | $400 |
| 13 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 3.90% | $423 |
| 15 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 3.25% | $408 |
| 18 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 2.25% | $339 |
| 24 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 2.40% | $486 |
| 36 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 2.45% | $753 |
| 48 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 2.50% | $1,038 |
| 60 months$1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings | 2.55% | $1,342 |
Sources (1)
- gateway.bank/resources/rates · captured Sep 18, 2026
Opening an account
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