Credit union · NCUA insured
Gateway Credit Union
Top CarrotA $15.9M credit union headquartered in Clarksville, TN, with 2,160 members and 1 branch in Tennessee. Best rates: CDs 2.50% and savings 0.50% APY.
Gateway Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 81% of U.S. banks and credit unions
#4 of 13 in Clarksville, TN-KY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Gateway Credit Union
Gateway Credit Union is headquartered in Clarksville, Tennessee.
- Headquarters
- 100 Otis Smith Dr, Clarksville, TN 37043-8939
- NCUA charter
- 68171
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Montgomery County, TN.
Employers and groups
- Membership is open to employees and trustees of Clarksville Department of Electricity, located in Clarksville, TN.
- Membership is open to employees and trustees of the Cumberland Electric Membership Corporation.
Family and household
- Membership is open to immediate family members of employees or trustees of Clarksville Department of Electricity, located in Clarksville, TN.
- Membership is open to immediate family members of employees or trustees of the Cumberland Electric Membership Corporation.
- Membership is open to immediate family members of individuals who live, work, worship, or attend school in Montgomery County, TN.
Cost to join
- Joining requires a minimum deposit of $25 into a Share Account to keep the account open.
Branches
1 branch in Tennessee
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Tennessee
1 branch
- Main OfficeMain office100 Otis Smith Dr, Clarksville, TN 37043Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.41% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.70% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.52% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $68 | $59 | — |
- CapitalNet worth ratio8.41%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.70%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.52%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$68Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Gateway Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.