CD Rates West Virginia (WV) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current West Virginia CD rates include Fairmont Federal Credit UnionFairmont Federal Credit Union2 The Credit Union Way, Fairmont, WV 26554 1567A+5.0 ★Texas Ratio: 2.76%Real return: +1.40%APY minus CPI (February 2026) offering Jumbo Certificates 48 month at 4.20% APY, WEPCO Federal Credit UnionWEPCO Federal Credit Union459 New Creek Hwy, Keyser, WV 26726 9537A+5.0 ★Texas Ratio: 3.70%Real return: +1.26%APY minus CPI (February 2026) offering 24 Months Share Certificate at 4.06% APY, Members Choice WV Federal Credit UnionMembers Choice WV Federal Credit Union201 Ohio Ave, Charleston, WV 25302 2209A+5.0 ★Texas Ratio: 2.17%Real return: +1.21%APY minus CPI (February 2026) offering IRA Certificates 2 Year at 4.01% APY, Ravenswood Federal Credit UnionRavenswood Federal Credit Union702 Washington St, Ravenswood, WV 26164 1772A5.0 ★Texas Ratio: 10.44%Real return: +1.20%APY minus CPI (February 2026) offering 1-Year Certificate at 4.00% APY, and Alloy Federal Credit UnionAlloy Federal Credit Union515 Hinkle Rd, Fayetteville, WV 25840 6903A+5.0 ★Texas Ratio: 5.44%Real return: +1.20%APY minus CPI (February 2026) offering IRA Share Certificate 12 Months at 4.00% APY. CD rates as of April 21, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in West Virginia side-by-side. West Virginia CD rates currently reach as high as 4.20% APY from Fairmont Federal Credit Union at 2 The Credit Union Way, Fairmont, WV 26554 1567. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 21, 2026
Compare Best CD Rates in West Virginia
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
The Citizens Bank of Weston
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
201 Main Ave, Weston, WV 26452
3 Month CD/IRA
$500
3.70%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Unified Bank Martins Ferry, OH
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
700 7th St, Moundsville, WV 26041
3 Month CD
$1,000
3.61%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
3 Month Certificates
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
90 Day Fixed Rate CDS
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5268 Williamsport Pike, Martinsburg, WV 25404
3 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
1.70%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 21, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
809 Division St, Parkersburg, WV 26101 6048
Share Certificate & IRA Certificate 3 Month
$0
1.63%
▼
Rate1.62%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
105 E Washington St, Shepherdstown, WV 25443
CD/IRA 3 Months
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
788 N State Route 2, New Martinsville, WV 26155
Share & IRA Certificates - 3 Months
$0
0.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
448 Harding Ave, Morgantown, WV 26505
3 Month CD
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
3-Month CD
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Open Online
Ohio Valley Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
280 E Main St, Milton, WV 25541
3 Month CD
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
3 MONTH CD
$2,500
0.50%
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
380 Market Street, Peterstown, WV 24963
3 Months Certificate of Deposits
$2,500
0.40%
▼
Rate0.40%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
224 Walnut St, Parsons, WV 26287
3 Months CD IRA
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
500 Virginia Ave, Huntington, WV 25701
Share Certificate - 6 MO
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
early withdrawal penalty may apply. Funds are disbursed to shares at maturity.
Wayne Savings Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
2001 Main St, Wheeling, WV 26003
Short Term Relationship CD Special (6 month term)
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Make the most of your funds and provide a premium interest rate!
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
809 Division St, Parkersburg, WV 26101 6048
6 Months Certificate of Deposit
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
105 E Washington St, Shepherdstown, WV 25443
CD/IRA 6 Months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
80 E Main St, Lost Creek, WV 26385
Certificate of Deposit 6 Months
$100,000
3.80%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Greater than or equal to $100,000
The Citizens Bank of Weston
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
201 Main Ave, Weston, WV 26452
6 Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Preston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
434 E MAIN ST, KINGWOOD, WV 26537 1722
6 Month CD Special (Monthly Compounding)
$0
3.56%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
201 Ohio Ave, Charleston, WV 25302 2209
6 Month Share Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1438 6th Ave, Huntington, WV 25701 2421
IRA Share Certificates 6 months
$2,500
3.30%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
6 Months Certificates
$1,000
3.30%
▼
Rate3.27%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2200 WASHINGTON ST E, CHARLESTON, WV 25311 2219
Certificate of Deposits 6 Month
$500
3.10%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
801 Ann St, Parkersburg, WV 26101
6 Month CD
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1512 Mary Lou Retton Dr, Fairmont, WV 26554
6 month Share Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
6 Month Fixed Rate CDS
$500
2.85%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
419 1st Ave S, Nitro, WV 25143 2313
6-month IRA Certificate
$0
2.53%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Peoples Preferred Club
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
1015 Florida Ave, Keyser, WV 26726
6 months Share Certificates
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5268 Williamsport Pike, Martinsburg, WV 25404
6 Month Share Certificate
$250,000
2.25%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 21, 2026
Details
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
384 Penco Rd, Weirton, WV 26062
6 Month Certificates
$0
1.75%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
317 31st ST, Huntington, WV 25702 1417
6 Month Share Certificate / IRA Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Union Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1925 Murdoch Ave, Parkersburg, WV 26101 2528
6 Month Certificate
$500
1.51%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
CD = With $100 in your share account.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
788 N State Route 2, New Martinsville, WV 26155
Share & IRA Certificates - 6 Months
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
6-Month CD
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Open Online
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
502 Grand Central Ave, Vienna, WV 26105
6 Months Certificates of Deposit (Regular & IRAs)
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
448 Harding Ave, Morgantown, WV 26505
6 Month CD
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Ohio Valley Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
280 E Main St, Milton, WV 25541
6 Month CD
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
6 MONTH CD
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
380 Market Street, Peterstown, WV 24963
6 Months Certificate of Deposits
$2,500
0.60%
▼
Rate0.60%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
224 Walnut St, Parsons, WV 26287
6 Months CD IRA
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV 26041 1605
IRA 6 Month
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
201 8th St, Marlinton, WV 24954
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1122 US Highway 220 N, Moorefield, WV 26836
12-month savings certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Get more from your tax return.
Ravenswood Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
702 Washington St, Ravenswood, WV 26164 1772
1-Year Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
515 Hinkle Rd, Fayetteville, WV 25840 6903
IRA Share Certificate 12 Months
$10,000
4.00%
▼
Rate4.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
LIMITED CERTIFICATE SPECIAL; $500 minimum balance to obtain APY. Substantial penalty for early withdrawal. All APY's based on interest compunded quarterly.
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2 The Credit Union Way, Fairmont, WV 26554 1567
Jumbo Certificates 12 month
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Citizens Bank of Weston
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
201 Main Ave, Weston, WV 26452
1 year CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
300 VIRGINIA ST E RM 4203, CHARLESTON, WV 25301 2513
12 MONTHS CD SPECIAL
$0
3.77%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Exchange Bank
Institution Rating:
B-4.2 ★Texas Ratio: 24.32%
1 Heritage Way, White Hall, WV 26554
12 Month CD Special
$10,000
3.75%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
80 E Main St, Lost Creek, WV 26385
Certificate of Deposit 12 Months
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Greater than or equal to $100,000
The Bank of Romney
Institution Rating:
B+4.7 ★Texas Ratio: 18.78%
95 E Main St, Romney, WV 26757
12 Months Certificate
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
QTL. Min. $500.00 (Penalty 30 Days)
Metro Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.95%
215 18th St, Huntington, WV 25703
12 Month CD
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
317 31st ST, Huntington, WV 25702 1417
12 Month Share Certificate / IRA Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
201 Ohio Ave, Charleston, WV 25302 2209
IRA Certificates 1 Year
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
459 New Creek Hwy, Keyser, WV 26726 9537
12 Months Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2200 WASHINGTON ST E, CHARLESTON, WV 25311 2219
Certificate of Deposits 12 Month
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
12 months Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
500 Virginia Ave, Huntington, WV 25701
Share Certificate - 12 MO
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
early withdrawal penalty may apply. Funds are disbursed to shares at maturity.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
788 N State Route 2, New Martinsville, WV 26155
JUMBO CERTIFICATE SPECIALS 12 Months
$250,000
3.45%
▼
Rate3.39%
Min Deposit$250,000
Min Balance—
UpdatedApr 21, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
809 Division St, Parkersburg, WV 26101 6048
12 Months Certificate of Deposit
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
419 1st Ave S, Nitro, WV 25143 2313
Jumbo Share Certificates 1 Year Peoples Preferred Club
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
18554 Buffalo Road, Buffalo, WV 25033
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Traditional IRA and Roth IRA Certificate 12 month
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1438 6th Ave, Huntington, WV 25701 2421
IRA Share Certificates 12 months
$2,500
3.30%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
801 Ann St, Parkersburg, WV 26101
12 Month CD
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1512 Mary Lou Retton Dr, Fairmont, WV 26554
12 month Share Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Williamstown Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
435 Highland Ave, Williamstown, WV 26187
12 Month CD & IRAs
$1,000
2.90%
▼
Rate2.87%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
105 E Washington St, Shepherdstown, WV 25443
CD/IRA 12 Months
$500
2.83%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
1 Year Fixed Rate CDS
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
1015 Florida Ave, Keyser, WV 26726
12 months Share Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Davis Trust Company
Institution Rating:
F2.2 ★Texas Ratio: 48.64%
227 Davis Ave, Elkins, WV 26241
12 Month Certificate
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5268 Williamsport Pike, Martinsburg, WV 25404
12 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
2.35%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 21, 2026
Details
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
384 Penco Rd, Weirton, WV 26062
12 Month Certificates
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Union Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1925 Murdoch Ave, Parkersburg, WV 26101 2528
12 Month Certificate
$500
1.77%
▼
Rate1.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
CD = With $100 in your share account.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
502 Grand Central Ave, Vienna, WV 26105
12 Months Certificates of Deposit (Regular & IRAs)
$500
1.16%
▼
Rate1.15%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
12-Month CD
$0
1.15%
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
448 Harding Ave, Morgantown, WV 26505
12 Month CD
$0
1.10%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Ohio Valley Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
280 E Main St, Milton, WV 25541
1 YEAR IRA / ROTH
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
12 MONTH CD
$1,000
0.85%
▼
Rate0.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
380 Market Street, Peterstown, WV 24963
12 Months Certificate of Deposits
$2,500
0.75%
▼
Rate0.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Hancock County SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
351 Carolina Ave, Chester, WV 26034
12 MONTH CERTIFICATE or IRA CD
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
224 Walnut St, Parsons, WV 26287
12 Months CD IRA
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV 26041 1605
IRA 12 Month
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
201 8th St, Marlinton, WV 24954
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Qualifying balance up to $49,000.00
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ohio Valley Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
280 E Main St, Milton, WV 25541
18 MONTH IRA / ROTH TDOA
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Citizens Bank of Weston
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
201 Main Ave, Weston, WV 26452
18 Month CD/IRA
$500
3.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
459 New Creek Hwy, Keyser, WV 26726 9537
18 Months Share Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
18554 Buffalo Road, Buffalo, WV 25033
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1438 6th Ave, Huntington, WV 25701 2421
IRA Share Certificates 18 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
The Bank of Romney
Institution Rating:
B+4.7 ★Texas Ratio: 18.78%
95 E Main St, Romney, WV 26757
18 Months Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Daily Min. $500.00 (Penalty 90 Days)
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
18 Months Certificates
$1,000
3.20%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
788 N State Route 2, New Martinsville, WV 26155
Share & IRA Certificates - 18 Month
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
419 1st Ave S, Nitro, WV 25143 2313
18 months Share Certificate Peoples Preferred Club
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
18 Month Fixed Rate CDS
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Davis Trust Company
Institution Rating:
F2.2 ★Texas Ratio: 48.64%
227 Davis Ave, Elkins, WV 26241
18 Month Certificate
$1,000
2.63%
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
105 E Washington St, Shepherdstown, WV 25443
CD/IRA 18 Months
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5268 Williamsport Pike, Martinsburg, WV 25404
18 Month Share Certificate - Traditional IRA or Roth IRA
$0
2.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
384 Penco Rd, Weirton, WV 26062
18 Month Certificates
$0
2.25%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
809 Division St, Parkersburg, WV 26101 6048
Share Certificate & IRA Certificate 18 Month
$0
2.03%
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
18 MONTH IRA (Variable)
$100
1.25%
▼
Rate1.24%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
18-Month CD
$0
1.20%
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
380 Market Street, Peterstown, WV 24963
IRA 18 Months
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hancock County SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
351 Carolina Ave, Chester, WV 26034
18 MONTH CERTIFICATE or IRA CD
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV 26041 1605
IRA 18 Month
$1,000
0.40%
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
224 Walnut St, Parsons, WV 26287
18 Months CD IRA
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Exchange Bank
Institution Rating:
B-4.2 ★Texas Ratio: 24.32%
1 Heritage Way, White Hall, WV 26554
18 Month CD
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
459 New Creek Hwy, Keyser, WV 26726 9537
24 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
201 Ohio Ave, Charleston, WV 25302 2209
IRA Certificates 2 Year
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2 The Credit Union Way, Fairmont, WV 26554 1567
Jumbo Certificates 24 month
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Bank of Romney
Institution Rating:
B+4.7 ★Texas Ratio: 18.78%
95 E Main St, Romney, WV 26757
24 Months Certificate
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Daily Min. $1,000.00 (Penalty 90 Days)
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
80 E Main St, Lost Creek, WV 26385
Certificate of Deposit 24 Months
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Greater than or equal to $100,000
First Exchange Bank
Institution Rating:
B-4.2 ★Texas Ratio: 24.32%
1 Heritage Way, White Hall, WV 26554
24 Month Special CD
$500
3.49%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
18554 Buffalo Road, Buffalo, WV 25033
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1438 6th Ave, Huntington, WV 25701 2421
IRA Share Certificates 24 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
419 1st Ave S, Nitro, WV 25143 2313
Jumbo Share Certificates 2 Years Peoples Preferred Club
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
24 Months Certificates
$1,000
3.20%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
788 N State Route 2, New Martinsville, WV 26155
Share & IRA Certificates - 24 Months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
1015 Florida Ave, Keyser, WV 26726
24 months Share Certificates
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
500 Virginia Ave, Huntington, WV 25701
Share Certificate - 24 MO
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
early withdrawal penalty may apply. Funds are disbursed to shares at maturity.
The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2200 WASHINGTON ST E, CHARLESTON, WV 25311 2219
Certificate of Deposits 24 Month
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5268 Williamsport Pike, Martinsburg, WV 25404
24 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
2.75%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 21, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
2 Year Fixed Rate CDS
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Davis Trust Company
Institution Rating:
F2.2 ★Texas Ratio: 48.64%
227 Davis Ave, Elkins, WV 26241
24 Month Certificate
$1,000
2.73%
▼
Rate2.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Metro Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.95%
215 18th St, Huntington, WV 25703
24 Month CD
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
317 31st ST, Huntington, WV 25702 1417
24 Month Share Certificate / IRA Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
384 Penco Rd, Weirton, WV 26062
24 Month Certificates
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
809 Division St, Parkersburg, WV 26101 6048
Share Certificate & IRA Certificate 24 Month
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Union Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1925 Murdoch Ave, Parkersburg, WV 26101 2528
24 Month Certificate
$500
2.28%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
CD = With $100 in your share account.
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
515 Hinkle Rd, Fayetteville, WV 25840 6903
IRA Share Certificate 24 Months
$0
2.25%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$500 minimum balance to obtain APY. Substantial penalty for early withdrawal. All APY's based on interest compunded quarterly.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
502 Grand Central Ave, Vienna, WV 26105
24 Months Certificates of Deposit (Regular & IRAs)
$50,000
2.02%
▼
Rate2.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Ravenswood Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
702 Washington St, Ravenswood, WV 26164 1772
2-Year Certificate
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Williamstown Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
435 Highland Ave, Williamstown, WV 26187
24 Month CD & IRAs
$1,000
2.00%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
105 E Washington St, Shepherdstown, WV 25443
CD/IRA 24 Months
$500
1.51%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
24-Month CD
$0
1.25%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
24 MONTH CD
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Ohio Valley Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
280 E Main St, Milton, WV 25541
2 YEAR IRA / ROTH
$0
1.20%
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
448 Harding Ave, Morgantown, WV 26505
24 Month CD
$0
1.20%
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
380 Market Street, Peterstown, WV 24963
24 Months Certificate of Deposits
$2,500
0.85%
▼
Rate0.85%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Hancock County SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
351 Carolina Ave, Chester, WV 26034
24 MONTH CERTIFICATE or IRA CD
$500
0.60%
▼
Rate0.60%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV 26041 1605
IRA 24 Month
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
224 Walnut St, Parsons, WV 26287
24 Months CD IRA
$500
0.45%
▼
Rate0.45%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
459 New Creek Hwy, Keyser, WV 26726 9537
36 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
384 Penco Rd, Weirton, WV 26062
36 Month Certificates
$0
4.00%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
*New Money from an outside source*
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2 The Credit Union Way, Fairmont, WV 26554 1567
Jumbo Certificates 36 month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5268 Williamsport Pike, Martinsburg, WV 25404
36 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
80 E Main St, Lost Creek, WV 26385
Certificate of Deposit 36 Months
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Greater than or equal to $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
18554 Buffalo Road, Buffalo, WV 25033
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1438 6th Ave, Huntington, WV 25701 2421
IRA Share Certificates 36 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
1015 Florida Ave, Keyser, WV 26726
36 months Share Certificates
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
419 1st Ave S, Nitro, WV 25143 2313
Jumbo Share Certificates 3 Years Peoples Preferred Club
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
36 Month Certificates
$1,000
3.00%
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
788 N State Route 2, New Martinsville, WV 26155
Share & IRA Certificates - 36 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
500 Virginia Ave, Huntington, WV 25701
Share Certificate - 36 MO
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
early withdrawal penalty may apply. Funds are disbursed to shares at maturity.
Union Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1925 Murdoch Ave, Parkersburg, WV 26101 2528
36 Month Certificate
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
CD = With $100 in your share account.
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
3 Year Fixed Rate CDS
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Davis Trust Company
Institution Rating:
F2.2 ★Texas Ratio: 48.64%
227 Davis Ave, Elkins, WV 26241
36 Month Certificate
$500
2.73%
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
502 Grand Central Ave, Vienna, WV 26105
36 Months Certificates of Deposit (Regular & IRAs)
$50,000
2.68%
▼
Rate2.65%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
809 Division St, Parkersburg, WV 26101 6048
Share Certificate & IRA Certificate Rising Market 36 Month*
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2200 WASHINGTON ST E, CHARLESTON, WV 25311 2219
Certificate of Deposits 36 Month
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Exchange Bank
Institution Rating:
B-4.2 ★Texas Ratio: 24.32%
1 Heritage Way, White Hall, WV 26554
36 Month Special CD
$500
2.32%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
36 MONTH CD
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
515 Hinkle Rd, Fayetteville, WV 25840 6903
IRA Share Certificate 36 Months
$0
2.25%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$500 minimum balance to obtain APY. Substantial penalty for early withdrawal. All APY's based on interest compunded quarterly.
Metro Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.95%
215 18th St, Huntington, WV 25703
36 Month CD
$0
2.23%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
105 E Washington St, Shepherdstown, WV 25443
CD/IRA 36 Months
$500
1.36%
▼
Rate1.35%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
36-Month CD
$0
1.35%
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Ohio Valley Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
280 E Main St, Milton, WV 25541
3 YEAR IRA / ROTH
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
448 Harding Ave, Morgantown, WV 26505
36 Month CD
$0
1.30%
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hancock County SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
351 Carolina Ave, Chester, WV 26034
36 MONTH CERTIFICATE or IRA CD
$500
0.65%
▼
Rate0.65%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV 26041 1605
IRA 36 Month
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
224 Walnut St, Parsons, WV 26287
36 Months CD IRA
$500
0.55%
▼
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
317 31st ST, Huntington, WV 25702 1417
36 Month Share Certificate / IRA Certificate
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Williamstown Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
435 Highland Ave, Williamstown, WV 26187
36 Month* CD & IRAs
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2 The Credit Union Way, Fairmont, WV 26554 1567
Jumbo Certificates 48 month
$0
4.20%
▼
Rate4.12%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
459 New Creek Hwy, Keyser, WV 26726 9537
48 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
80 E Main St, Lost Creek, WV 26385
Certificate of Deposit 48 Months
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Greater than or equal to $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
18554 Buffalo Road, Buffalo, WV 25033
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1438 6th Ave, Huntington, WV 25701 2421
IRA Share Certificates 48 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
502 Grand Central Ave, Vienna, WV 26105
48 Months Certificates of Deposit (Regular & IRAs)
$50,000
3.30%
▼
Rate3.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5268 Williamsport Pike, Martinsburg, WV 25404
48 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
1015 Florida Ave, Keyser, WV 26726
48 months Share Certificates
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
48 MONTH IRA (Fixed)
$250
3.00%
▼
Rate2.96%
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
788 N State Route 2, New Martinsville, WV 26155
Share & IRA Certificates - 48 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
4 Year Fixed Rate CDS
$500
2.85%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
48 Month Certificates
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Metro Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.95%
215 18th St, Huntington, WV 25703
48 Month CD
$0
2.12%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
48-Month CD
$0
1.45%
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
105 E Washington St, Shepherdstown, WV 25443
CD/IRA 48 Months
$500
1.41%
▼
Rate1.40%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Ohio Valley Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
280 E Main St, Milton, WV 25541
4 YEAR IRA / ROTH
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
380 Market Street, Peterstown, WV 24963
48 Months Certificate of Deposits
$2,500
1.00%
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Hancock County SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
351 Carolina Ave, Chester, WV 26034
48 MONTH CERTIFICATE or IRA CD
$500
0.75%
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
224 Walnut St, Parsons, WV 26287
48 Months CD IRA
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
317 31st ST, Huntington, WV 25702 1417
48 Month Share Certificate / IRA Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Williamstown Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
435 Highland Ave, Williamstown, WV 26187
48 Month CD & IRAs
$500
0.45%
▼
Rate0.45%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Exchange Bank
Institution Rating:
B-4.2 ★Texas Ratio: 24.32%
1 Heritage Way, White Hall, WV 26554
48 Month CD
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
459 New Creek Hwy, Keyser, WV 26726 9537
60 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
502 Grand Central Ave, Vienna, WV 26105
60 Months Certificates of Deposit (Regular & IRAs)
$50,000
3.82%
▼
Rate3.75%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
80 E Main St, Lost Creek, WV 26385
Certificate of Deposit 60 Months
$100,000
3.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Greater than or equal to $100,000
The Bank of Romney
Institution Rating:
B+4.7 ★Texas Ratio: 18.78%
95 E Main St, Romney, WV 26757
60 Months Certificate
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Daily Min. $1,000.00 (Penalty 180 Days)
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
18554 Buffalo Road, Buffalo, WV 25033
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5268 Williamsport Pike, Martinsburg, WV 25404
60 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1438 6th Ave, Huntington, WV 25701 2421
IRA Share Certificates 60 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
1015 Florida Ave, Keyser, WV 26726
60 months Share Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2 The Credit Union Way, Fairmont, WV 26554 1567
Jumbo Certificates 60 month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
788 N State Route 2, New Martinsville, WV 26155
Share & IRA Certificates - 60 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
5 Year Fixed Rate CDS
$500
2.95%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Davis Trust Company
Institution Rating:
F2.2 ★Texas Ratio: 48.64%
227 Davis Ave, Elkins, WV 26241
60 Month Certificate
$500
2.83%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
60 MONTH CD
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
60 Month Certificates
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
515 Hinkle Rd, Fayetteville, WV 25840 6903
IRA Share Certificate 60 Months
$0
2.25%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$500 minimum balance to obtain APY. Substantial penalty for early withdrawal. All APY's based on interest compunded quarterly.
Metro Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.95%
215 18th St, Huntington, WV 25703
60 Month CD
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
60-Month CD
$0
1.56%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
105 E Washington St, Shepherdstown, WV 25443
CD/IRA 60 Months
$500
1.51%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Ohio Valley Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
280 E Main St, Milton, WV 25541
5 YEAR IRA / ROTH
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
224 Walnut St, Parsons, WV 26287
60 Months CD IRA
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
380 Market Street, Peterstown, WV 24963
60 Months Certificate of Deposits
$2,500
1.00%
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Hancock County SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
351 Carolina Ave, Chester, WV 26034
60 MONTH CERTIFICATE or IRA CD
$500
1.00%
▼
Rate0.99%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Exchange Bank
Institution Rating:
B-4.2 ★Texas Ratio: 24.32%
1 Heritage Way, White Hall, WV 26554
60 Month CD
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Williamstown Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
435 Highland Ave, Williamstown, WV 26187
60 Month CD & IRAs
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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West Virginia CD Rate Trends
Compare local West Virginia CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — WV Avg
2.839%
▲ 0.063 vs 7 days ago
West Virginia 12-month CD rates rose 0.063 points over the past 7 days to 2.839% APY.
6-Month CD — WV Avg
2.205%
▼ 0.112 vs 7 days ago
West Virginia 6-month CD rates fell 0.112 points over the past 7 days to 2.205% APY.
As of Apr 21, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
WV CD Rate Forecast — Next 12 Months
Where are West Virginia CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
WV 12-Month Avg APY
2.839%
6-Month Forecast
2.839%
Range: 2.64% – 2.99%
12-Month Forecast
2.589%
Range: 2.39% – 2.74%
Powered by
MonitorBankRates
What Your Savings Earn at WV CD Rates Today
Annual interest earnings at today’s West Virginia average APYs. State average used where available; national average as fallback.
| CD Term | WV Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.042% | $52.08 | $104.15 | $260.38 | $520.75 |
| 6-Month CD | 2.205% | $110.24 | $220.48 | $551.20 | $1,102.40 |
| 12-Month CD | 2.839% | $141.95 | $283.90 | $709.75 | $1,419.50 |
| 18-Month CD | 2.193% | $109.65 | $219.29 | $548.23 | $1,096.45 |
| 24-Month CD | 2.686% | $134.29 | $268.58 | $671.45 | $1,342.90 |
| 36-Month CD | 2.561% | $128.04 | $256.08 | $640.20 | $1,280.40 |
| 48-Month CD | 2.538% | $126.90 | $253.79 | $634.48 | $1,268.95 |
| 60-Month CD | 2.345% | $117.23 | $234.45 | $586.13 | $1,172.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 21, 2026. | |||||
Sample CD Ladder for West Virginia Savers
$25,000 split equally across 5 terms using today’s West Virginia average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | WV Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.042% | $52.08 |
| 2 | 6-Month CD | $5,000 | 2.205% | $110.24 |
| 3 | 12-Month CD | $5,000 | 2.839% | $141.95 |
| 4 | 24-Month CD | $5,000 | 2.686% | $134.29 |
| 5 | 36-Month CD | $5,000 | 2.561% | $128.04 |
| Total ($25,000 invested) | $25,000 | 2.266% blended | $566.60/yr | |
Ladder example uses equal $5,000 rungs and West Virginia average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
45
Institutions
in West Virginia
in West Virginia
17 Banks
28 Credit Unions
About Our West Virginia CD Rate Database
MonitorBankRates tracks CD rates from 17 banks and 28 credit unions with locations in West Virginia, plus national online institutions available to West Virginia residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Fairmont Federal Credit Union offers a CD at 4.20% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in West Virginia.
How to Find the Best CD Rates in West Virginia
What to compare when shopping for a CD in West Virginia
To find the best APYs in West Virginia, start with credit unions and online-only banks — West Virginia has 28 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in West Virginia
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in West Virginia — 45 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → West Virginia savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → West Virginia money market rates
West Virginia Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
21.0%
National avg: 17.3%
Median Individual Earnings
$40,236
National avg: $47,340
Poverty Rate
16.7%
National avg: 11.1%
Unemployment Rate
5.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$114/yr
At WV 12-mo avg 2.839% APY
21.0% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s WV 12-month CD average of 2.839%, saving 10% of the local median salary ($4,023/year) and putting it in a CD would earn an additional $114 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in West Virginia
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in West Virginia
Are CD rates in West Virginia FDIC insured?
Yes, most established banks in West Virginia are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in West Virginia?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in West Virginia.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in West Virginia may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in West Virginia?
Here are recent top rates found for this area:
- Fairmont Federal Credit Union: 4.20% APY (Jumbo Certificates 48 month)
- WEPCO Federal Credit Union: 4.06% APY (36 Months Share Certificate)
- Members Choice WV Federal Credit Union: 4.01% APY (IRA Certificates 2 Year)
- Ravenswood Federal Credit Union: 4.00% APY (1-Year Certificate)
- Alloy Federal Credit Union: 4.00% APY (IRA Share Certificate 12 Months)
- Wayne Savings Community Bank: 4.00% APY (Short Term Relationship CD Special (6 month term))
- Partners 1st Federal Credit Union: 4.00% APY (12-month savings certificate)
- First Priority Federal Credit Union: 4.00% APY (Share Certificate - 6 MO)
- Hancock School Employees Federal Credit Union: 4.00% APY (36 Month Certificates)
- Justice Federal Credit Union: 4.00% APY (Traditional IRA and Roth IRA Certificate 36 month)
Rates reflect recent verified offers available in West Virginia. Last Updated: April 21, 2026
CD Calculators for West Virginia
West Virginia CD Calculator
At today’s WV top rate of 4.20% APY, a $10,000 deposit earns $420 in the first year. Enter your amount to see your exact return.
West Virginia CD LadderWV CD rates currently range from 1.042% (3-month) to 2.561% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a West Virginia CD at 4.20% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsWest Virginia’s average 12-month CD is 2.839% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for West Virginia directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in West Virginia. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in WV.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 21, 2026
Cities in West Virginia
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