Gateway Bank, F.S.B. Reviews and Rates

Gateway Bank, F.S.B.

TODAY'S FEATURED RATES

Member FDIC

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

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

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

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

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

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

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.gatewayfsb.com

510-268-8108

360 8th Street
Oakland, CA 94607

Gateway Bank, F.S.B. is headquartered in OAKLAND and is the 100^th largest bank in the state of California. It is also the 2,711^th largest bank in the nation. It was established in 1990 and as of March of 2025, it had grown to 27 employees at 2 locations. Gateway Bank, F.S.B.'s money market rates are 9X the national average, and it has a B+ health rating.

Reviews

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Gateway Bank, F.S.B. has a negative return on equity.

Health Grade Components

Overall
FDIC Certificate #	33103
Year Established	1990
Employees	27
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	-1.49%
Return on Equity - YTD	-15.76%
Annual Interest Income	$3.4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$257.6MM$220.7MM
Loans	Q1 2025vs Q1 2024	$185.4MM$142.8MM
Deposits	Q1 2025vs Q1 2024	$230.3MM$191.6MM
Equity Capital	Q1 2025vs Q1 2024	$24MM$27.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.6MM$1.6MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2.3MM$326K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

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

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

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

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

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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Money Market

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Gateway Bank, F.S.B. Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%^*	$100k^*	-	Premier Money Market Checking
OTHER TIERS: 0.10% → $10k - $25k \| 3.50% → $25k - $100k
4.00%^*	$100k^*	-	Business Premier Money Market Checking
OTHER TIERS: 0.10% → $10k - $25k \| 3.50% → $25k - $100k

Locations

Gateway Bank, F.S.B. Locations
Gateway Bank, F.S.B.	360 8th Street	Oakland, CA 94607

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