Gateway Co-operative Credit Union review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Gateway Co-operative Credit Union suits savers in Jamaica who want cash access rather than a fixed return, and its ordinary deposit account keeps withdrawals open at any time. The trade-off is a minimum deposit of JMD 100 and a variable rate, so this suits regular savers more than those chasing a locked-in return.
Key facts
- Best for
- Easy-access Jamaican saving with a linked ATM card and an open withdrawal window.
- Rate type
- Variable↗
- Minimum deposit
- JMD 100↗
- Access terms
- Ordinary Deposit Account: no maturity date, deposit or withdraw any time, ATM card linked↗
- Account kind
- Easy access↗
- Legal entity
- Infiniti Co-operative Credit Union Jamaica Limited↗
- Headquarters
- Jamaica↗
- Support channels
- Phone, Email, Help-centre↗
- Official website
- gatewayja.com
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Elsewhere
Pros and cons
Pros
- You can deposit or withdraw at any time on the ordinary deposit account, with no maturity date and an ATM card linked to it.
- It is a easy access account, the most common shape in this category at 76.7% of savings accounts listed.
- Support runs on phone, email and help centre, so phone and email sit alongside a help centre.
- The provider is Infiniti Co-operative Credit Union Jamaica Limited, a co-operative credit union based in Jamaica, so the balance is held locally.
Cons
- A minimum deposit of JMD 100 applies to the ordinary deposit account, so anyone starting below that amount cannot open it.
- The rate is variable, so your return follows the market and there is no locked-in figure to plan around.
- Support runs on phone, email and help centre only, so quick answers depend on a call or email being picked up.
Who it suits
- Jamaican savers who want an easy-access account with a linked ATM card and no term to run out.
- Savers who want to reach a person rather than a form, since support runs on phone, email and help centre.
- People who prefer a co-operative provider, as the account sits with Infiniti Co-operative Credit Union Jamaica Limited.
Who should look elsewhere
- Plazo ES, where the rate is fixed and suits savers who can leave money untouched.
- AXI Card Tarjeta y Credito, which pairs a fixed rate with card spending.
- PayPal Colombia, where the minimum deposit is $0 and you can start with nothing.
Who runs it
The account is held with Infiniti Co-operative Credit Union Jamaica Limited, a co-operative credit union headquartered in Jamaica. As a credit union, the same body holds your balance and answers for the account, which keeps the provider relationship short. Support runs on phone, email and help centre, so you can reach the team by phone, by email or through the help centre.
How Gateway Co-operative Credit Union compares
Where Gateway Co-operative Credit Union is available
- Available
- Jamaica
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What do I need to open the account?+
You open a easy access account with a minimum deposit of JMD 100. The ordinary deposit account carries no maturity date, so you are not tied to a notice period or an end date. Questions during setup run through phone, email and help centre.
Can I take my money out whenever I like?+
You can. The ordinary deposit account has no maturity date, and you can deposit or withdraw at any time with an ATM card linked to it. That makes it an easy access product rather than a locked deposit, and the variable rate reflects that flexibility.
What rate do I earn and can it change?+
The rate on the account is variable, so it moves with the market rather than being set once at signup. Savers who prefer a fixed figure can look at Plazo ES, where the rate is fixed, or AXI Card Tarjeta y Credito with a fixed rate.
What is the smallest amount I need to put in?+
The minimum deposit is JMD 100 for the ordinary deposit account, which keeps the entry point low for a first-time saver. If you would rather open an account with nothing in it, PayPal Colombia lists a minimum deposit of $0.
How do I get help when something goes wrong?+
Support runs on phone, email and help centre, so you can call, email or read the help centre. The provider is Infiniti Co-operative Credit Union Jamaica Limited, headquartered in Jamaica, which matters if your question is about a Jamaican account rather than an international one. Phone support matters most when a withdrawal or transfer needs sorting.
Is a monthly fee likely?+
Most savings accounts on the site charge no monthly fee, a group covering 87.8% of listings, and the median monthly fee is €0. The figure published for this credit union is a minimum deposit of JMD 100 on the ordinary deposit account.
How does this account compare with others in the category?+
Median headline rates across savings accounts here run at 3.08%, with a median minimum deposit of €0.17. Easy-access products make up 75.6% of the category, so an easy access account on a variable rate is the mainstream choice rather than an outlier.
Sources
- infiniticuja.com checked September 26, 2026
Backs: Headquarters
“10 Oxford Terrace Kingston 5 Jamaica”
- infiniticuja.com/faqs checked September 26, 2026
Backs: Support channels
“You may contact us via telephone at 876-926-6973 or via email at info@infiniticuja.com”
- infiniticuja.com/product/ordinary-deposit-account checked September 26, 2026
Backs: Access terms, Minimum deposit
“The Ordinary Deposit Account is a flexible, interest-earning savings option ... With no maturity date, you can deposit or withdraw funds whenever you need. Plus, it's linked to your ATM card for easy...”
- infiniticuja.com/product/solid-saver-account checked September 26, 2026
Backs: Account kind, Rate type
“There's no set maturity date or penalties for withdrawals, making it perfect for building your savings on your own terms.”
- infiniticuja.com/who-we-are checked September 26, 2026
Backs: Legal entity
“Built from the merger of EduCom Co-op. and Gateway Co-op, Infiniti Co-operative Credit Union Jamaica Limited is a member-focused financial service provider.”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Headline rate, Term, Deposit protection.
Other rankings
Gateway Co-operative Credit Union
Easy-access Jamaican saving with a linked ATM card and an open withdrawal window.