Deposit Rates
Your savings deserve to work as hard as you do. Gateway Metro Federal Credit Union offers deposit rates designed to maximize your growth and help you reach your financial goals faster.
Effective Date:November 7, 2025
Show All Deposit Rates
Savings
Holiday Club
Health Savings Accounts
IRA Contributory
Checking
Money Market
Special Youth Share Certificates
Share Certificate
$5 to $100
- Balance Requirement $5
- APY1: 0.00%
$101 to Higher
- Balance Requirement $101
- APY1: 0.01%
- Balance Requirement None
- APY1: 0.01%
Checking
- Balance Requirement N/A
- APY1: 0.01%
1 Year Certificate
- Balance Requirement $500
- APY1: 3.75%
2 Year Certificate
- Balance Requirement $500
- APY1: 3.25%
3 Year Certificate
- Balance Requirement $500
- APY1: 3.25%
- Balance Requirement $25
- APY1: 0.01%
Priority I
- Balance Requirement None
- APY1: 0.00%
Priority II
- Balance Requirement $500
- APY1: 0.025%
Priority III
- Balance Requirement $1,500
- APY1: 0.05%
Reward 365**
- Balance Requirement 1¢
- APY1: 3.25%
$1,000 to $24,999
- Balance Requirement $1.000
- APY1: 1.00%
$25,000 to $99,999
- Balance Requirement $25,000
- APY1: 1.05%
$100,000 to $149,999
- Balance Requirement $100,000
- APY1: 1.15%
$150,000 to Higher
- Balance Requirement $150,000
- APY1: 1.30%
Tier 1: Super Saver (Ages 2-10)
- Balance Requirement $50 minimum, $1,000 maximum
- APY1: 5.00%
Tier 2: Economic Explorer (Ages 10-15)
- Balance Requirement $75 minimum, $2,000 maximum
- APY1: 7.00%
Tier 3: Money Master (Ages 15-18)
- Balance Requirement $100 minimum, $3,000 maximum
- APY1: 10.00%
3 Month
- Balance Requirement $100 (Youth) or $500 (Regular/IRA)
- APY1: 0.15%
6 Month
- Balance Requirement $100 (Youth) or $500 (Regular/IRA)
- APY1: 2.90%
1 Year
- Balance Requirement $100 (Youth) or $500 (Regular/Health Savings/IRA)
- APY1: 3.75%
18 Month
- Balance Requirement $100 (Youth) or $500 (Regular/IRA)
- APY1: 3.35%
2 Year
- Balance Requirement $100 (Youth) or $500 (Regular/Health Savings/IRA)
- APY1: 3.25%
3 Year
- Balance Requirement $100 (Youth) or $500 (Regular/Health Savings/IRA)
- APY1: 3.25%
4 Year
- Balance Requirement $100 (Youth) or $500 (Regular/IRA)
- APY1: 2.60%
5 Year
- Balance Requirement $100 (Youth) or $500 (Regular/IRA)
- APY1: 2.75%
6 Year
- Balance Requirement $100 (Youth) or $500 (Regular/IRA)
- APY1: 2.80%
Save To Win
- Balance Requirement $25
- APY1: 3.75%
1APY=Annual Percentage Yield. Rates are subject to change, and terms and conditions apply. Contact GMFCU for complete details.
**Conditions apply. Visit our Rewards 365 page for more information at https://gogmfcu.org/accounts/rewards-365-checking/.