Government Shutdown Assistance:
We’re Right Beside You.

If you are a federal employee and experiencing financial impact due to the government shutdown, we’re here to help! We may be able to assist you with:

  • Short-term loans with no fees or interest
  • Loan payment assistance options

Please reach out to your lender, call 701-293-2400, or email us at OnlineBanking@GateCity.Bank today. Learn more >

Debt-to-Income (DTI) Ratio

Definition

The percentage of a consumer’s monthly gross income that goes toward paying debts. Generally, the higher the ratio, the higher the perceived risk. Loans with higher risk are generally priced at a higher interest rate.