Interest Rates

Gateway’s interest rates

Use this handy chart to see our latest interest rates for savings accounts, money market accounts, CDs, and IRAs.

All rates and annual percentage yields (APY) are accurate as of 04/07/2014. Please note that these rates are subject to change at any time after your account is opened. Call us at 480-358-1000 for more information on our account terms.

Personal and business accounts

Account typeInterest rateAPY*
Traditional Savings (1)0.20%0.20%
Money Market with up to $24,999 (1) (2)0.25%0.25%
Money Market with $25,000-$49,999.99 (1) (2)0.35%0.35%
Money Market with $50,000-$99,999.99 (1) (2)0.40%0.40%
Money Market with $100,000-$249,999 (1) (2)0.65%0.65%
Money Market with $250,000 and above (1) (2)0.65%0.65%

Analysis Business Checking earnings credit rate: 2.00%

Certificates of deposit (3)

TermInterest rateAPY*
90 days (4)0.20%0.20%
6 months (4)0.40%0.40%
12 months - Maximizer (4)0.50%0.50%
24 months - Maximizer (4)0.80%0.80%
36 months - Maximizer (4)1.04%1.05%

For rates on terms over 36 months, call us at 480-358-1000.

Individual retirement account CDs (3)

TermInterest rateAPY*
6 months0.40%0.40%
12 months - Maximizer (4)0.50%0.50%
24 months - Maximizer (4)0.80%0.80%
36 months - Maximizer (4)1.04%1.05%

For rates on terms over 36 months, call us at 480-358-1000.

Important notices

(1) Fees may reduce earnings
(2) Some restrictions may apply.
(3) There may be a penalty for withdrawing your money early. (4) A one-time rate change is allowed during the CD term.

* APY – annual percentage yield

Note: This rate page contains information about interest rates and APYs for some of the most popular deposit accounts we offer. Principal balance reductions, withdrawals of accrued interest, account fees or penalties will reduce the earnings on the account and may reduce the APY. All information is subject to change. For more information, including account details and terms, get in touch with us.