--- title: "Gateway Credit Union Rates - Tennessee" description: "Current vehicle loan, personal loan, and savings & cd rates from Gateway Credit Union in Tennessee. Updated daily with source verification. See who can join Gateway Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/tennessee/gateway" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Gateway Credit Union Rates - Tennessee ### Auto & vehicle rates 14 offers | Product | Published | Rate | Term / condition | Status | | **60-Month New Auto Loan (2025–2026)** auto_new_60mo | — APR | 4.990% | 60 mo · new | Standard | | **Secured Auto (2022 - 2026)** auto_any_60mo | — APR | 4.990% | 60 mo | Standard | | **Secured Auto (2022 - 2026)** auto_any_72mo | — APR | 5.250% | 72 mo | Standard | | **Secured Luxury (2023-2026)** auto_any_84mo | — APR | 5.500% | 84 mo | Standard | | **Secured Auto (Up to 2021)** auto_any_60mo | — APR | 5.750% | 60 mo | Standard | | **Secured Auto (2017 - 2021)** auto_any_72mo | — APR | 6.250% | 72 mo | Standard | | **Secured Luxury (2024-2026)** auto_any_96mo | — APR | 6.750% | 96 mo | Standard | | **Motorcycle (Any Year)** motorcycle_any_60mo | — APR | 8.000% | 60 mo | Standard | | **Boat (Any Year)** boat_any_84mo | — APR | 8.000% | 84 mo | Standard | | **RV (Any Year)** rv_any_84mo | — APR | 8.000% | 84 mo | Standard | | **Jet Ski, ATV, Tractor & Mower (Any Year)** boat_any_60mo | — APR | 8.500% | 60 mo | Standard | | **RV (Over $20K)** rv_any_120mo | — APR | 9.000% | 120 mo | Standard | | **Boat (Over $20K)** boat_any_120mo | — APR | 9.000% | 120 mo | Standard | | **72-Month Motorcycle Loan (2023–2026)** motorcycle_any_72mo | — APR | 9.000% | 72 mo | Standard | Gateway Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unsecured/Signature** personal_unsecured_60mo | — APR | 12.250% | 60 mo | Standard | Gateway Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 16 offers | Product | Published | Rate | Term / condition | Status | | **Regular Share Account** share_savings | 0.10% APY | 0.10% | — | Context only | | **Savings** share_savings | 0.15% APY | 0.15% | — | Context only | | **Christmas Club Account** savings | 0.15% APY | 0.15% | — | Specialty offer | | **Youth Money Market Account**** money_market | 0.50% APY | 0.50% | — | Eligibility restricted | | **Accumulation IRA** ira | 1.00% APY | 1.00% | — | Context only | | **6-Month Certificate** cd_6mo | 2.00% APY | 2.00% | 6 mo | Context only | | **12-Month Certificate** cd_12mo | 2.25% APY | 2.25% | 12 mo | Context only | | **12-Month IRA** ira | 2.25% APY | 2.25% | 12 mo | Context only | | **18-Month IRA** ira | 2.30% APY | 2.30% | 18 mo | Context only | | **18-Month Certificate** cd_18mo | 2.30% APY | 2.30% | 18 mo | Context only | | **60-Month Certificate** cd_60mo | 2.50% APY | 2.50% | 60 mo | Context only | | **24-Month Certificate** cd_24mo | 2.50% APY | 2.50% | 24 mo | Context only | | **36-Month Certificate** cd_36mo | 2.50% APY | 2.50% | 36 mo | Context only | | **48-Month Certificate** cd_48mo | 2.50% APY | 2.50% | 48 mo | Context only | | **24-Month IRA** ira | 2.50% APY | 2.50% | 24 mo | Context only | | **36-Month IRA** ira | 2.50% APY | 2.50% | 36 mo | Context only | Gateway Credit Union savings & cd rates as of November 12, 2026 Gateway Credit Union is a credit union in Tennessee. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/tennessee/gateway) , verified from [Gateway Credit Union's official website](https://www.gatewaycreditunion.com/) Loading branch locator… ## About Gateway Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.2K Assets $15.9M Founded 1959 Locations reported 1 NCUA charter 68171 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Fortera** Madison Street Branch · Clarksville · TN · 37043-5235 About 2.6 miles away](https://rateapi.dev/credit-unions/tennessee/fortera) [**Altra** Altra Federal Credit Union · CLARKSVILLE · TN · 37043-4911 About 4.7 miles away](https://rateapi.dev/credit-unions/wisconsin/altra) [**Navy Federal Credit Union** Central Clarksville TN · Clarksville · TN · 37040 About 7.0 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Credit Union for Robertson County** Pleasant View · Pleasant View · TN · 37146-9088 About 13.3 miles away](https://rateapi.dev/credit-unions/tennessee/credit-union-for-robertson-county) [**Johnsonville Tva Employees** Cumberland City Office · CUMBERLAND CITY · TN · 37050 About 23.9 miles away](https://rateapi.dev/credit-unions/tennessee/johnsonville-tva-employees) [**Old Hickory** Greenbrier · Greenbrier · TN · 37073 About 25.1 miles away](https://rateapi.dev/credit-unions/tennessee/old-hickory) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Gateway Credit Union Membership eligibility from Gateway Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Gateway Credit Union's website. Check the membership page below to confirm whether you qualify. - Location montgomery — TN - Employer Cumberland Electric Membership Corporation, Clarksville Department of Electricity Verified from [Gateway Credit Union's membership page](https://www.gatewaycreditunion.com/membership.html) . Final membership determination is always made by the credit union. ## Membership rules for Gateway Credit Union Geography 1 county · Employers 6 · Family 11 published paths to membership, last verified August 27, 2026, quoted from Gateway Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Montgomery County, TN “Anyone who lives, works, worships, or attends school in Montgomery County, TN and their immediate family.” > [source ↗](https://www.gatewaycreditunion.com/membership.html) ### Employers 6 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Cumberland Electric Membership Corporation “Any Employee or trustee of the Cumberland Electric Membership Corporation” > [source ↗](https://www.gatewaycreditunion.com/membership.html) - Employee of Cumberland Electric Membership Corporation - Employee of Clarksville Department of Electricity - Works in city:TN:clarksville “Any Employee or trustee of Clarksville Department of Electricity, located in Clarksville, TN” > [source ↗](https://www.gatewaycreditunion.com/membership.html) - Employee of Clarksville Department of Electricity and Works in Clarksville, TN - Employee of Cumberland Electric Membership Corporation - Family of a member immediate family “Any Employee or trustee of the Cumberland Electric Membership Corporation and their immediate family.” > [source ↗](https://www.gatewaycreditunion.com/membership.html) - Employee of Cumberland Electric Membership Corporation and Family member (immediate family) of a member - Trustee or board member of Cumberland Electric Membership Corporation - Family of a member immediate family “Any Employee or trustee of the Cumberland Electric Membership Corporation and their immediate family.” > [source ↗](https://www.gatewaycreditunion.com/membership.html) - Trustee or board member of Cumberland Electric Membership Corporation and Family member (immediate family) of a member - Employee of Clarksville Department of Electricity - Family of a member immediate family - Works in city:TN:clarksville “Any Employee or trustee of Clarksville Department of Electricity, located in Clarksville, TN and their immediate family.” > [source ↗](https://www.gatewaycreditunion.com/membership.html) - Employee of Clarksville Department of Electricity and Family member (immediate family) of a member and Works in Clarksville, TN - Trustee or board member of Clarksville Department of Electricity - Family of a member immediate family - Works in city:TN:clarksville “Any Employee or trustee of Clarksville Department of Electricity, located in Clarksville, TN and their immediate family.” > [source ↗](https://www.gatewaycreditunion.com/membership.html) - Trustee or board member of Clarksville Department of Electricity and Family member (immediate family) of a member and Works in Clarksville, TN ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family “Anyone who lives, works, worships, or attends school in Montgomery County, TN and their immediate family.” > [source ↗](https://www.gatewaycreditunion.com/membership.html) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Gateway Credit Union? Yes No ## Work at Gateway Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Gateway Credit Union ranks against Tennessee peers. - See which AI assistants fetched Gateway Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Tennessee - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=gateway&state=tennessee&code=TN&name=Gateway%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Gateway Credit Union offer? Gateway Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Gateway Credit Union rates updated? RateAPI verifies Gateway Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Gateway Credit Union's rate data? Rate data is collected directly from Gateway Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Gateway Credit Union? Gateway Credit Union publishes its membership criteria on its own website. RateAPI tracks 11 published membership paths covering 1 county and 6 employers for Gateway Credit Union, each quoted from Gateway Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Gateway Credit Union's rates against national credit-union benchmarks. [More Tennessee credit unions](https://rateapi.dev/credit-unions/tennessee) [Tennessee auto loan rate leaders](https://rateapi.dev/auto-loan-rates/tennessee) [Tennessee personal loan leaders](https://rateapi.dev/personal-loan-rates/tennessee) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.gatewaycreditunion.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Gateway Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Tennessee credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Gateway Credit Union curl "https://api.rateapi.dev/credit-unions/tennessee /gateway " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Gateway Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/tennessee/gateway Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp