What are the current interest rates at Gateway Metro Federal Credit Union?

Current rates for Gateway Metro Federal Credit Union include: 12-Month CD: 3.90%, 18-Month CD: 3.10%, 24-Month CD: 3.00%, 60-Month CD: 3.10%, Savings: 0.00%, MMA: 0.60%

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Gateway Metro Federal Credit Union

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Gateway Metro Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Gateway Metro Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Gateway Metro Federal Credit Union's Matures on 18th birthday Money Master Youth CD rates are at 10.00%, Matures on 15th birthday Economic Explorer Youth CD rates are at 7.00%, Matures on 10th birthday Super Saver Youth CD rates are at 5.00%, CD - 11 Month Special rates are at 4.21%, 1 Year CD rates are at 3.90%. Gateway Metro Federal Credit Union's savings rates are at 0.00%. Gateway Metro Federal Credit Union's money market rates are at 0.60%. Gateway Metro Federal Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Gateway Metro Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.61%. Rates last updated and verified on 08/28/2026.

Gateway Metro Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Gateway Metro Federal Credit Union? Share your experience about Gateway Metro Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Gateway Metro Federal Credit Union.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.61%

Excellent Higher than avg

Gateway Metro Federal Credit Union
Operations Center Back Office

1001 Pine St
Saint Louis, MO 63101

https://www.gogmfcu.org

Gateway Metro Federal Credit Union CD Rates

Product	Rate	APY	Term
Matures on 18th birthday Money Master Youth Certificate	-	10.00%	Matures on 18th birthday
Min Deposit $100 Details Ages 15-18; Maximum Deposits Allowed - $3,000; Early Withdrawal Penalty - 270 days of interest Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
Matures on 15th birthday Economic Explorer Youth Certificate	-	7.00%	Matures on 15th birthday
Min Deposit $75 Details Ages 10-15; Maximum Deposits Allowed - $2,000; Early Withdrawal Penalty - 450 days of interest Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
Matures on 10th birthday Super Saver Youth Certificate	-	5.00%	Matures on 10th birthday
Min Deposit $50 Details Ages 2-10; Maximum Deposits Allowed - $1,000; Early Withdrawal Penalty - 540 days of interest Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
Share Certificate - 11 Month Special	-	4.21%	11 Month
Min Deposit $100 Min Balance $100 Details New Money Only, Renews to 1 Year Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
1 Year Certificate	-	3.90%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
Share Certificate - 6 Month	-	3.25%	6 Month
Min Deposit $100 Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
Share Certificate - 18 Month	-	3.10%	18 Month
Min Deposit $100 Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
Share Certificate - 5 Year	-	3.10%	5 Year
Min Deposit $100 Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
Share Certificate - 4 Year	-	3.05%	4 Year
Min Deposit $100 Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
2 Year Certificate	-	3.00%	2 Year
Min Deposit $500 Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
3 Year Certificate	-	3.00%	3 Year
Min Deposit $500 Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%

Gateway Metro Federal Credit Union Savings Rates

Product	Rate	APY
Special Youth Share Certificates - Super Saver	-	5.00%
Min Deposit $50 Min Balance $50 Details Ages: 2-10 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
Savings	-	0.05%
Min Deposit $101 Min Balance $101 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
Savings	-	0.00%
Min Deposit $5 Min Balance $5 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%

Gateway Metro Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	2.25%
Min Deposit $150,000 Min Balance $150,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
Money Market	-	2.00%
Min Deposit $100,000 Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
Money Market	-	1.75%
Min Deposit $25,000 Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
Money Market	-	0.60%
Min Deposit $1,000 Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%

Gateway Metro Federal Credit Union Checking Rates

Product	Rate	APY
Rewards 365 Checking Account	-	3.25%
Min Balance $0 Details Qualifications Required: Direct deposit must be a payroll or benefit payment such as Social Security posting at least once every 31 days in the amount of $200 or more; Must access your GMFCU online banking at least once per month; Must be enrolled in e-statements; Must complete 25 non-ATM transactions of $5 or more each for the month which are counted by calendar month when the transaction posts to your account; Rewards based on current APY on up to $5,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
Checking Priority I	-	0.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%

Gateway Metro Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New And Used Vehicle Loans	-	-	4.49%	Up to 36 months
Details As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
New And Used Vehicle Loans	-	-	4.89%	37 to 48 months
Details As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
New And Used Vehicle Loans	-	-	4.99%	49 to 60 months
Details As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
New And Used Vehicle Loans	-	-	5.24%	61 to 72 months
Details As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%
New And Used Vehicle Loans	-	-	5.74%	73 to 84 months
Details As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%

Gateway Metro Federal Credit Union Personal Loan Rates

Product	Rate	APR	View More
Signature Or Personal Loan	-	9.99%
Details As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.61%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Gateway Metro Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Gateway Metro Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Gateway Metro Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Gateway Metro Federal Credit Union

Website https://www.gogmfcu.org

Address 1001 Pine St, Saint Louis, MO 63101

Phone 314-621-4575

Fax 314-621-3518

President David Schmid

CEO Jerome Lewis

Full-Time Employees 59

Part-Time Employees 0

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.61%

Return on Assets (ROA)

-0.0843%

Return on Equity (ROE)

-1.0547%

Non-Performing Loans Ratio (NPL)

1.42%

Total Assets

173,455,630

Total Amount of Shares and Deposits

160,932,257

Total Shares and Deposits < 1 Year

152,535,647

Total Shares and Deposits 1 3 Years

7,507,799

Total Shares and Deposits > 3 Years

888,810

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

6,644,204

Total Uninsured Shares and Deposits > $250K (F+J)

6,644,204

Total Insured Shares and Deposits > $250K (item 17 less item K)

154,288,053

Total Interest Expense (Sum of items 6 8)

1,038,915

Share Certificates

2,255

Number of Accounts for Share Drafts

7,262

IRA KEOGH Accounts

472

Number of Accounts for Regular Shares

11,860

All other shares

156

Money Market Shares

966

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

9,973,990

Total Liabilities

161,720,754

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Gateway Metro Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Gateway Metro Federal Credit Union

How many branches does Gateway Metro Federal Credit Union operate?

Gateway Metro Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Gateway Metro Federal Credit Union?

Yes, to access services at Gateway Metro Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Gateway Metro Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Gateway Metro Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Gateway Metro Federal Credit Union offer online and mobile banking?

Most modern institutions like Gateway Metro Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.gogmfcu.org.