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Gate City Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.gatecity.bank
701-293-2400
500 Second Avenue North
Fargo, ND 58102

Gate City Bank is headquartered in FARGO and is the 5th largest bank in the state of North Dakota. It is also the 347th largest bank in the nation. It was established in 1923 and as of March of 2025, it had grown to 664 employees at 46 locations. Gate City Bank's savings rates are 6X the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #27774
Year Established1923
Employees664
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD5.03%
Annual Interest Income$40.5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$3.81B$3.54B
LoansQ1 2025vs Q1 2024$2.88B$2.84B
DepositsQ1 2025vs Q1 2024$3.38B$3.03B
Equity CapitalQ1 2025vs Q1 2024$332.6MM$313.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$18.5MM$17.9MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$21.7MM$14.5MM
Real Estate OwnedQ1 2025vs Q1 2024$244K$287K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Gate City Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.30%*$50k*-High Yield Savings
OTHER TIERS: 0.35% → $0 - $50k
0.15%$100-Relationship Savings Account
0.15%$100-Business Relationship Savings Account
0.15%$0-Minor Savings
0.10%$200-Regular Savings Account
0.10%$200-Business Savings Account

Gate City Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%*$1m*-Business Money Market Savings
OTHER TIERS: 0.35% → $500 - $25k | 0.50% → $25k - $100k | 1.00% → $100k - $250k | 1.75% → $250k - $500k | 2.50% → $500k - $1m
2.50%*$1m*-Money Market Savings Account
OTHER TIERS: 0.35% → $500 - $100k | 0.50% → $100k - $250k | 1.00% → $250k - $500k | 2.00% → $500k - $1m

Gate City Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$2.5k*-Premium Interest Checking Account
OTHER TIERS: 0.10% → $0 - $2.5k
0.01%$0-Non-Profit Interest Checking
0.01%$0-Benefit Interest Checking

Gate City Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.05%$1k-90 Day Relationship CD
4.05%$1k-Business 90 Day Relationship CD
3.75%$1k-182 Day Relationship CD
3.75%$1k-Business 182 Day Relationship CD
3.55%$1k-90 Day CD
3.55%$1k-Business 90 Day CD
3.50%$1k-13 Month CD Special
3.50%$1k-Business 13 Month CD Special
3.25%$1k-182 Day CD
3.25%$1k-Business 182 Day CD
3.00%$1k-1 Year Relationship CD
3.00%$1k-2 Year Relationship CD
3.00%$1k-3 Year Relationship CD
3.00%$1k-4 Year Relationship CD
3.00%$1k-Business 1 Year Relationship CD
3.00%$1k-Business 2 Year Relationship CD
3.00%$1k-Business 3 Year Relationship CD
3.00%$1k-Business 4 Year Relationship CD
2.75%$1k-5 Year Relationship CD
2.75%$1k-Business 5 Year Relationship CD
2.50%$1k-1 Year CD
2.50%$1k-2 Year CD
2.50%$1k-3 Year CD
2.50%$1k-4 Year CD
2.50%$1k-Business 1 Year CD
2.50%$1k-Business 2 Year CD
2.50%$1k-Business 3 Year CD
2.50%$1k-Business 4 Year CD
2.25%$1k-5 Year CD
2.25%$1k-Business 5 Year CD

Gate City Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.05%$100-90 Day IRA
3.75%$100-182 Day IRA
3.50%$100-13 Month IRA Special
3.00%$100-1 Year IRA
3.00%$100-2 Year IRA
3.00%$100-3 Year IRA
3.00%$100-4 Year IRA
2.75%$100-5 Year IRA
Locations

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