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Gate City Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.54%
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 3/17/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
3.80%
Our Rating
4.3  / 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 3/17/2025
4.30%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.46%
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 3/17/2025
3.70%
Our Rating
4.3  / 5
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 3/17/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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 351st largest bank in the nation. It was established in 1923 and as of December of 2024, it had grown to 673 employees at 46 locations. Gate City Bank's savings rates are 7X the national average, and it has a B+ health rating.

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Health
B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #27774
Year Established1923
Employees673
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD3.61%
Annual Interest Income$150.4MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$3.77B$3.5B
LoansQ4 2024vs Q4 2023$2.88B$2.85B
DepositsQ4 2024vs Q4 2023$3.27B$2.94B
Equity CapitalQ4 2024vs Q4 2023$324.1MM$311.7MM
Loan Loss AllowanceQ4 2024vs Q4 2023$18.2MM$18.3MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$22.3MM$14.4MM
Real Estate OwnedQ4 2024vs Q4 2023$403K$173K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.54%
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 3/17/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
3.80%
Our Rating
4.3  / 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 3/17/2025
4.30%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.46%
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 3/17/2025
3.70%
Our Rating
4.3  / 5
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 3/17/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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
3.51%*$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

Availability

Minneapolis Area

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