Credit union · NCUA insured
Gateway Credit Union Savings Rates
Top CarrotGateway Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 15, 2026.
How Gateway Credit Union’s savings rates compare
Compared with banks and credit unions near Clarksville, TN-KY, where Gateway Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Gateway Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market Account
Top rate
Altra Federal Credit Union
3.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
FNB Bank
3.42%APY
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000 a year
- $342
Gateway Credit Union savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum balance of $2,500 required to earn dividends.$2,500 and up | 0.50% | $50 | Minimum balance of $2,500 required to earn dividends. |
Sources (1)
- gatewaycreditunion.com/rates-savings.html · captured Sep 18, 2026
Special Share Account
0.15%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (1)
- gatewaycreditunion.com/rates-savings.html · captured Sep 18, 2026
Regular Share Account
0.10%APY
Minimum deposit of $25 required to open the account and maintain membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Accumulation IRA
1.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
Sources (1)
- gatewaycreditunion.com/rates-savings.html · captured Sep 18, 2026
Youth Money Market Account
0.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum deposit of $1.00 required.Any balance | 0.50% | $50 | Minimum deposit of $1.00 required. |
Sources (1)
- gatewaycreditunion.com/rates-savings.html · captured Sep 18, 2026
Christmas Club Account
0.15%APY
Funded via payroll deduction; accrues interest until November 1 each year, when funds roll over into the Regular Shares account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAccrues interest until November 1 rollover into Regular Shares.Any balance | 0.15% | $15 | Accrues interest until November 1 rollover into Regular Shares. |
Sources (2)
All captured Sep 18, 2026
Who can join Gateway Credit Union
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.
Membership information collected October 5, 2026.