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CD Rate Trends

Bolivar, West Virginia Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 12, 2026

Bolivar, West Virginia CD rates from banks and credit unions serving West Virginia range from 0.01% to 5.09% APY, verified by MonitorBankRates as of October 12, 2026. Current Bolivar, West Virginia CD rates include Universal Federal Credit UnionUniversal Federal Credit UnionA+5.0 ★Texas Ratio: 0.91%Real return: +2.29%APY minus CPI (February 2026) offering 12 Month Share Certificate / IRA Certificate at 5.09% APY, Patriot Federal Credit UnionPatriot Federal Credit UnionA+5.0 ★Texas Ratio: 1.50%Real return: +1.80%APY minus CPI (February 2026) offering 48 Month Share Certificate at 4.60% APY, Fairmont Federal Credit UnionFairmont Federal Credit UnionA+5.0 ★Texas Ratio: 4.42%Real return: +1.75%APY minus CPI (February 2026) offering 48 Month Jumbo Certificate at 4.55% APY, SFGI DirectSFGI DirectA5.0 ★Texas Ratio: 7.39%Real return: +1.60%APY minus CPI (February 2026) offering 18-Month CD at 4.40% APY, and Charleston Federal Credit UnionCharleston Federal Credit UnionA+5.0 ★Texas Ratio: 2.93%Real return: +1.53%APY minus CPI (February 2026) offering 12 Month CD SPECIAL at 4.33% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.

Bolivar is a smaller community with no bank or credit union branches currently in our database. 576 institutions serving the West Virginia area are available to Bolivar residents, with CD rates as high as 5.09% APY from Universal Federal Credit Union. Rates are continually updated, so 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: October 12, 2026

Compare Best CD Rates in Bolivar, West Virginia & the Surrounding Area

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Bolivar 3 Month CD Rates

West Virginia 3 Month CD Average1.40% APYNational 2.09%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
The Citizens Bank of Weston
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
3 Month CD/IRA
$500
3.75% ▲ 2.35% above West Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average1.40%▲ 2.35% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
3.20%3.73%4.25%Sep 14, 2026: 3.70% APYSep 24, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.75%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Unified Bank Martins Ferry, OH
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
3 Month CD
$1,000
3.71% ▲ 2.31% above West Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▲ 2.31% above avgNationally 2.09%
Details

APY = Annual Percentage Yield. The APY's are accurate as of 10/01/26. CD Rates require a minimum of $1,000 to open and attain the stated APY. Penalty may be imposed for early withdrawal. All rates are subject to change without notice. $1,000 minimum needed to earn the listed APY. Please contact us at 888.275.5566 for current rate information.

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.71% ▲ 0.10 pts · high 3.71% / low 3.61%
3.11%3.66%4.21%Sep 14, 2026: 3.61% APYOct 3, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20263.71%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60% ▲ 2.20% above West Virginia avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average1.40%▲ 2.20% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60% ▲ 2.20% above West Virginia avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average1.40%▲ 2.20% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
3 Month Certificate
$0
3.30% ▲ 1.90% above West Virginia avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average1.40%▲ 1.90% above avgNationally 2.09%
Details

Rate History
No change since Oct 5, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 5, 2026: 3.30% APYOct 5, 2026Oct 13, 2026
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$0
3.24% ▲ 1.84% above West Virginia avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average1.40%▲ 1.84% above avgNationally 2.09%
Details

Rate History
1 change since Sep 7, 2026 · 3.14% → 3.24% ▲ 0.10 pts · high 3.24% / low 3.14%
2.64%3.19%3.74%Sep 7, 2026: 3.14% APYSep 27, 2026: 3.24% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20263.24%▲ from 3.14%
  • Sep 7, 20263.14%first recorded
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
90 Day Fixed Rate CD
$500
2.70% ▲ 1.30% above West Virginia avg
View
▼
Rate2.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average1.40%▲ 1.30% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 6 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 13, 2026
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3 Month Certificate
$0
2.22% ▲ 0.82% above West Virginia avg
View
▼
Rate2.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average1.40%▲ 0.82% above avgNationally 2.09%
Details

Balance: $10,000+

Rate History
No change since Sep 14, 2026 · 2.22% APY · checked 4 times
1.72%2.22%2.72%Sep 14, 2026: 2.22% APYSep 14, 2026Oct 13, 2026
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3 Month Certificate
$0
2.07% ▲ 0.67% above West Virginia avg
View
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average1.40%▲ 0.67% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.07% APY · checked 6 times
1.57%2.07%2.57%Sep 14, 2026: 2.07% APYSep 14, 2026Oct 13, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month CD
$500
2.00% ▲ 0.60% above West Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average1.40%▲ 0.60% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.70% ▲ 0.30% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average1.40%▲ 0.30% above avgNationally 2.09%
Details

Balance: $250,000.01+; Traditional IRA or Roth IRA

Rate History
No change since Oct 5, 2026 · 1.70% APY · checked 2 times
1.20%1.70%2.20%Oct 5, 2026: 1.70% APYOct 5, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.65% ▲ 0.25% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average1.40%▲ 0.25% above avgNationally 2.09%
Details

Balance: $100,000-$250,000; Traditional IRA or Roth IRA

Rate History
No change since Oct 5, 2026 · 1.65% APY · checked 2 times
1.15%1.65%2.15%Oct 5, 2026: 1.65% APYOct 5, 2026Oct 13, 2026
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
3 Month Share Certificate
$1,000
1.63% ▲ 0.23% above West Virginia avg
View
▼
Rate1.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average1.40%▲ 0.23% above avgNationally 2.09%
Details

Rate History
No change since Oct 9, 2026 · 1.63% APY · checked 3 times
1.13%1.63%2.13%Oct 9, 2026: 1.63% APYOct 9, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.60% ▲ 0.20% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average1.40%▲ 0.20% above avgNationally 2.09%
Details

Balance: $10,000-$24,999; Traditional IRA or Roth IRA

Rate History
No change since Oct 5, 2026 · 1.60% APY · checked 2 times
1.10%1.60%2.10%Oct 5, 2026: 1.60% APYOct 5, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.50% ▲ 0.10% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average1.40%▲ 0.10% above avgNationally 2.09%
Details

Balance: $1,000-$9,999; Traditional IRA or Roth IRA

Rate History
No change since Oct 5, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 5, 2026: 1.50% APYOct 5, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Share Certificate - 3 month
$100,000
1.12% ▼ 0.28% below West Virginia avg
View
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 0.28% below avgNationally 2.09%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 1.12% APY
0.62%1.12%1.62%Oct 12, 2026: 1.12% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Traditional and Roth IRA Certificate - 3 month
$100,000
1.12% ▼ 0.28% below West Virginia avg
View
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 0.28% below avgNationally 2.09%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates

Rate History
No change since Oct 12, 2026 · 1.12% APY
0.62%1.12%1.62%Oct 12, 2026: 1.12% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Share Certificate - 3 month
$500
1.02% ▼ 0.38% below West Virginia avg
View
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 0.38% below avgNationally 2.09%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase

Rate History
1 change since Sep 25, 2026 · 1.12% → 1.02% ▼ 0.10 pts · high 1.12% / low 1.02%
0.52%1.07%1.62%Sep 25, 2026: 1.12% APYOct 12, 2026: 1.02% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20261.02%▼ from 1.12%
  • Sep 25, 20261.12%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Traditional and Roth IRA Certificate - 3 month
$500
1.02% ▼ 0.38% below West Virginia avg
View
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 0.38% below avgNationally 2.09%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA

Rate History
No change since Oct 12, 2026 · 1.02% APY
0.52%1.02%1.52%Oct 12, 2026: 1.02% APYOct 12, 2026Oct 13, 2026
Community Bank (PA)
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3 Month Certificate of Deposit
$500
1.00% ▼ 0.40% below West Virginia avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average1.40%▼ 0.40% below avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 13, 2026
Capon Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.21%
3 Month CD
$500
0.85% ▼ 0.55% below West Virginia avg
View
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 0.55% below avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 0.55% → 0.85% ▲ 0.30 pts · high 0.85% / low 0.55%
0.05%0.70%1.35%Sep 14, 2026: 0.55% APYSep 24, 2026: 0.85% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20260.85%▲ from 0.55%
  • Sep 14, 20260.55%first recorded
First Mutual Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
3-Month CD
$500
0.75% ▼ 0.65% below West Virginia avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 0.65% below avgNationally 2.09%
Details

Open Online

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month CD
$500
0.50% ▼ 0.90% below West Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average1.40%▼ 0.90% below avgNationally 2.09%
Details

Rate History
No change since Sep 9, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 9, 2026: 0.50% APYSep 9, 2026Oct 13, 2026
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
3 Month CD
$0
0.50% ▼ 0.90% below West Virginia avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average1.40%▼ 0.90% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 13, 2026
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3 Month Certificate
$0
0.40% ▼ 1.00% below West Virginia avg
View
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average1.40%▼ 1.00% below avgNationally 2.09%
Details

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 7 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Oct 13, 2026
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
3 Month Certificate
$500
0.20% ▼ 1.20% below West Virginia avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 1.20% below avgNationally 2.09%
Details

Compounding: At Maturity

Rate History
No change since Oct 8, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 8, 2026: 0.20% APYOct 8, 2026Oct 13, 2026
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
7-90 Day Certificate
$500
0.20% ▼ 1.20% below West Virginia avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 1.20% below avgNationally 2.09%
Details

Compounding: At Maturity

Rate History
No change since Oct 8, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 8, 2026: 0.20% APYOct 8, 2026Oct 13, 2026
Pioneer Appalachia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
3 Month Share Certificate
$250,000
0.10% ▼ 1.30% below West Virginia avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 1.30% below avgNationally 2.09%
Details

Jumbo Plus APY; Balance: $250,000+

Rate History
No change since Oct 8, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 8, 2026: 0.10% APYOct 8, 2026Oct 13, 2026
Pioneer Appalachia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
3 Month Share Certificate
$100,000
0.07% ▼ 1.33% below West Virginia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 1.33% below avgNationally 2.09%
Details

Jumbo APY; Balance: $100,000 - $249,999.99

Rate History
No change since Oct 8, 2026 · 0.07% APY · checked 2 times
0.00%0.29%0.57%Oct 8, 2026: 0.07% APYOct 8, 2026Oct 13, 2026
Pioneer Appalachia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
3 Month Share Certificate
$500
0.05% ▼ 1.35% below West Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 1.35% below avgNationally 2.09%
Details

Standard APY; Balance: $500 - $99,999.99

Rate History
No change since Oct 8, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 8, 2026: 0.05% APYOct 8, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.03% ▼ 1.37% below West Virginia avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average1.40%▼ 1.37% below avgNationally 2.09%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.02% ▼ 1.38% below West Virginia avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average1.40%▼ 1.38% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.01% ▼ 1.39% below West Virginia avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average1.40%▼ 1.39% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 13, 2026

Bolivar 6 Month CD Rates

West Virginia 6 Month CD Average2.17% APYNational 2.78%▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
6-Month CD
$1,000
4.20% ▲ 2.03% above West Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.17%▲ 2.03% above avgNationally 2.78%
Details

A competitive rate with a shorter commitment

Rate History
1 change since Sep 28, 2026 · 4.09% → 4.20% ▲ 0.11 pts · high 4.20% / low 4.09%
3.59%4.15%4.70%Sep 28, 2026: 4.09% APYOct 7, 2026: 4.20% APYSep 28, 2026Oct 13, 2026
  • Oct 7, 20264.20%▲ from 4.09%
  • Sep 28, 20264.09%first recorded
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Share Certificate - 6 MO
$0
4.00% ▲ 1.83% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▲ 1.83% above avgNationally 2.78%
Details

Funds are disbursed to shares at maturity. $1,000.00 minimum balance and early withdrawal penalty may apply.

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
The Citizens Bank of Weston
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
6 Month CD/IRA
$500
3.80% ▲ 1.63% above West Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.17%▲ 1.63% above avgNationally 2.78%
Details

Promo

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month CD
$0
3.75% ▲ 1.58% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
West Virginia Average2.17%▲ 1.58% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term
$1,000
3.75% ▲ 1.58% above West Virginia avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
West Virginia Average2.17%▲ 1.58% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
6 Month Certificate of Deposit
$0
3.65% ▲ 1.48% above West Virginia avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.17%▲ 1.48% above avgNationally 2.78%
Details

Balance: Greater than or equal to $100,000

Rate History
No change since Sep 11, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 11, 2026: 3.65% APYSep 11, 2026Oct 13, 2026
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
6 Month Certificate of Deposit
$0
3.55% ▲ 1.38% above West Virginia avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.17%▲ 1.38% above avgNationally 2.78%
Details

Balance: Less than $100,000

Rate History
No change since Oct 7, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 7, 2026: 3.55% APYOct 7, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
6 Month IRA Certificate
$0
3.45% ▲ 1.28% above West Virginia avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.17%▲ 1.28% above avgNationally 2.78%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
6 Month Share Certificates
$0
3.45% ▲ 1.28% above West Virginia avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.17%▲ 1.28% above avgNationally 2.78%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
6 Month Certificate
$0
3.45% ▲ 1.28% above West Virginia avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▲ 1.28% above avgNationally 2.78%
Details

Paid Monthly

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$0
3.34% ▲ 1.17% above West Virginia avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.17%▲ 1.17% above avgNationally 2.78%
Details

Rate History
1 change since Sep 7, 2026 · 3.24% → 3.34% ▲ 0.10 pts · high 3.34% / low 3.24%
2.74%3.29%3.84%Sep 7, 2026: 3.24% APYSep 27, 2026: 3.34% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20263.34%▲ from 3.24%
  • Sep 7, 20263.24%first recorded
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
6 Month Certificate
$0
3.30% ▲ 1.13% above West Virginia avg
View
▼
Rate3.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▲ 1.13% above avgNationally 2.78%
Details

Rate History
No change since Oct 5, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 5, 2026: 3.30% APYOct 5, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Share Certificate - 6 month
$100,000
3.16% ▲ 0.99% above West Virginia avg
View
▼
Rate3.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▲ 0.99% above avgNationally 2.78%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 3.16% APY
2.66%3.16%3.66%Oct 12, 2026: 3.16% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Traditional and Roth IRA Certificate - 6 month
$100,000
3.16% ▲ 0.99% above West Virginia avg
View
▼
Rate3.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▲ 0.99% above avgNationally 2.78%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates

Rate History
No change since Oct 12, 2026 · 3.16% APY
2.66%3.16%3.66%Oct 12, 2026: 3.16% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Share Certificate - 6 month
$500
3.05% ▲ 0.88% above West Virginia avg
View
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▲ 0.88% above avgNationally 2.78%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase

Rate History
1 change since Sep 25, 2026 · 3.16% → 3.05% ▼ 0.11 pts · high 3.16% / low 3.05%
2.55%3.11%3.66%Sep 25, 2026: 3.16% APYOct 12, 2026: 3.05% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20263.05%▼ from 3.16%
  • Sep 25, 20263.16%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Traditional and Roth IRA Certificate - 6 month
$500
3.05% ▲ 0.88% above West Virginia avg
View
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▲ 0.88% above avgNationally 2.78%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA

Rate History
No change since Oct 12, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 12, 2026: 3.05% APYOct 12, 2026Oct 13, 2026
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
6 Month Share Certificates
$0
3.04% ▲ 0.87% above West Virginia avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▲ 0.87% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
6 Month Share Certificate
$1,000
3.03% ▲ 0.86% above West Virginia avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▲ 0.86% above avgNationally 2.78%
Details

Minimum $1,000.00 to open; APY is Annual Percentage Yield if left on deposit for full term

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Certificates - 6 Month
$1,000
3.03% ▲ 0.86% above West Virginia avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▲ 0.86% above avgNationally 2.78%
Details

Rates effective: September 1st, 2026

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 2 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
6 Month CD
$0
3.00% ▲ 0.83% above West Virginia avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▲ 0.83% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
6 Month Certificate
$0
3.00% ▲ 0.83% above West Virginia avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▲ 0.83% above avgNationally 2.78%
Details

RATES EFFECTIVE 08/11/2023

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
6 Month Fixed Rate CD
$500
2.70% ▲ 0.53% above West Virginia avg
View
▼
Rate2.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.17%▲ 0.53% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 6 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 13, 2026
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
6-month IRA Certificate - Peoples Preferred Club
$0
2.63% ▲ 0.46% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▲ 0.46% above avgNationally 2.78%
Details

Rate History
1 change since Sep 21, 2026 · 2.53% → 2.63% ▲ 0.10 pts · high 2.63% / low 2.53%
2.03%2.58%3.13%Sep 21, 2026: 2.53% APYSep 25, 2026: 2.63% APYSep 21, 2026Oct 13, 2026
  • Sep 25, 20262.63%▲ from 2.53%
  • Sep 21, 20262.53%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
6 Month IRA Share Certificate
$500
2.53% ▲ 0.36% above West Virginia avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▲ 0.36% above avgNationally 2.78%
Details

IRA Share Certificate; Minimum $500

Rate History
1 change since Sep 14, 2026 · 2.27% → 2.53% ▲ 0.26 pts · high 2.53% / low 2.27%
1.77%2.40%3.03%Sep 14, 2026: 2.27% APYOct 12, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20262.53%▲ from 2.27%
  • Sep 14, 20262.27%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
6 Month Share Certificate
$500
2.53% ▲ 0.36% above West Virginia avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▲ 0.36% above avgNationally 2.78%
Details

Minimum $500

Rate History
1 change since Sep 14, 2026 · 2.27% → 2.53% ▲ 0.26 pts · high 2.53% / low 2.27%
1.77%2.40%3.03%Sep 14, 2026: 2.27% APYOct 12, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20262.53%▲ from 2.27%
  • Sep 14, 20262.27%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
6-month IRA Certificate
$0
2.53% ▲ 0.36% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▲ 0.36% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 2.43% → 2.53% ▲ 0.10 pts · high 2.53% / low 2.43%
1.93%2.48%3.03%Sep 14, 2026: 2.43% APYSep 25, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20262.53%▲ from 2.43%
  • Sep 14, 20262.43%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
6-month Share Certificate
$0
2.53% ▲ 0.36% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▲ 0.36% above avgNationally 2.78%
Details

Peoples Preferred Club APY: 2.63%

Rate History
1 change since Sep 14, 2026 · 2.43% → 2.53% ▲ 0.10 pts · high 2.53% / low 2.43%
1.93%2.48%3.03%Sep 14, 2026: 2.43% APYSep 25, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20262.53%▲ from 2.43%
  • Sep 14, 20262.43%first recorded
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
6 Month Certificate
$0
2.27% ▲ 0.10% above West Virginia avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▲ 0.10% above avgNationally 2.78%
Details

Balance: $10,000+

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 4 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 13, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6 Month CD
$500
2.25% ▲ 0.08% above West Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.17%▲ 0.08% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
6 Month Share Certificate
$500
2.25% ▲ 0.08% above West Virginia avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▲ 0.08% above avgNationally 2.78%
Details

Minimum Deposit $500

Rate History
No change since Sep 12, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 12, 2026: 2.25% APYSep 12, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
6 Month Share Certificate
$250,000
2.25% ▲ 0.08% above West Virginia avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▲ 0.08% above avgNationally 2.78%
Details

Balance: $250,000.01+

Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 5, 2026: 2.25% APYOct 5, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
6 Month Share Certificate
$100,000
2.20% ▲ 0.03% above West Virginia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▲ 0.03% above avgNationally 2.78%
Details

Balance: $100,000-$250,000

Rate History
No change since Oct 5, 2026 · 2.20% APY · checked 2 times
1.70%2.20%2.70%Oct 5, 2026: 2.20% APYOct 5, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
6 Month Share Certificate
$10,000
2.15% ▼ 0.02% below West Virginia avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▼ 0.02% below avgNationally 2.78%
Details

Balance: $10,000-$24,999

Rate History
No change since Oct 5, 2026 · 2.15% APY · checked 2 times
1.65%2.15%2.65%Oct 5, 2026: 2.15% APYOct 5, 2026Oct 13, 2026
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
6 Month Certificate
$0
2.12% ▼ 0.05% below West Virginia avg
View
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▼ 0.05% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.12% APY · checked 6 times
1.62%2.12%2.62%Sep 14, 2026: 2.12% APYSep 14, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
6 Month Share Certificate
$1,000
2.05% ▼ 0.12% below West Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▼ 0.12% below avgNationally 2.78%
Details

Balance: $1,000-$9,999

Rate History
No change since Oct 5, 2026 · 2.05% APY · checked 2 times
1.55%2.05%2.55%Oct 5, 2026: 2.05% APYOct 5, 2026Oct 13, 2026
CNB Bank Berkeley Springs, WV
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
6 Month Certificate
$0
2.00% ▼ 0.17% below West Virginia avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.17%▼ 0.17% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
6 Month Certificate
$0
2.00% ▼ 0.17% below West Virginia avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▼ 0.17% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6 Month CD
$500
1.75% ▼ 0.42% below West Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.17%▼ 0.42% below avgNationally 2.78%
Details

Rate History
No change since Sep 9, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Sep 9, 2026: 1.75% APYSep 9, 2026Oct 13, 2026
Community Bank (PA)
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
6 Month Certificate of Deposit
$500
1.75% ▼ 0.42% below West Virginia avg
View
▼
Rate1.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.17%▼ 0.42% below avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 7, 2026: 1.75% APYOct 7, 2026Oct 13, 2026
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6 Month Certificate
$0
1.75% ▼ 0.42% below West Virginia avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▼ 0.42% below avgNationally 2.78%
Details

Early Withdrawl Penalty: 90 Day

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
6 Month Share Certificate
$1,000
1.68% ▼ 0.49% below West Virginia avg
View
▼
Rate1.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▼ 0.49% below avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 1.68% APY · checked 3 times
1.18%1.68%2.18%Oct 9, 2026: 1.68% APYOct 9, 2026Oct 13, 2026
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
6 Month Share Certificate / IRA Certificate
$0
1.51% ▼ 0.66% below West Virginia avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▼ 0.66% below avgNationally 2.78%
Details

Rate History
No change since Sep 16, 2026 · 1.51% APY · checked 4 times
1.01%1.51%2.01%Sep 16, 2026: 1.51% APYSep 16, 2026Oct 13, 2026
Union Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
6 Month Certificate
$500
1.51% ▼ 0.66% below West Virginia avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▼ 0.66% below avgNationally 2.78%
Details

APY = Annual Percentage Yield. CD = With $100 in your share account. Early Withdrawal Penalties: 6 Month Certificate Penalty - 90 Days of Dividends

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 6 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Capon Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.21%
6 Month CD
$500
1.26% ▼ 0.91% below West Virginia avg
View
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▼ 0.91% below avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 1.00% → 1.26% ▲ 0.26 pts · high 1.26% / low 1.00%
0.50%1.13%1.76%Sep 14, 2026: 1.00% APYSep 24, 2026: 1.26% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20261.26%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
First Mutual Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
6-Month CD
$500
1.00% ▼ 1.17% below West Virginia avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▼ 1.17% below avgNationally 2.78%
Details

Open Online

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
6 Month Certificate of Deposit
$0
1.00% ▼ 1.17% below West Virginia avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▼ 1.17% below avgNationally 2.78%
Details

Balance: $500

Rate History
No change since Oct 9, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Oct 9, 2026: 1.00% APYOct 9, 2026Oct 13, 2026
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
6 Month Certificate
$500
0.80% ▼ 1.37% below West Virginia avg
View
▼
Rate0.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▼ 1.37% below avgNationally 2.78%
Details

EARLY WITHDRAWAL PENALTY: 90 days dividend penalty

Rate History
No change since Sep 25, 2026 · 0.80% APY · checked 4 times
0.30%0.80%1.30%Sep 25, 2026: 0.80% APYSep 25, 2026Oct 13, 2026
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
6 Month CD
$0
0.75% ▼ 1.42% below West Virginia avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.17%▼ 1.42% below avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 13, 2026
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
6 MONTH IRA / ROTH
$0
0.75% ▼ 1.42% below West Virginia avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.17%▼ 1.42% below avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 13, 2026
Element Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
6 month CD
$100
0.75% ▼ 1.42% below West Virginia avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▼ 1.42% below avgNationally 2.78%
Details

Insured up to $250,000

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026

Bolivar 12 Month CD Rates

West Virginia 12 Month CD Average2.63% APYNational 2.99%▼ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
12 Month Share Certificate / IRA Certificate
$0
5.09% ▲ 2.46% above West Virginia avg
View
▼
Rate5.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 2.46% above avgNationally 2.99%
Details

Rate History
1 change since Sep 16, 2026 · 3.56% → 5.09% ▲ 1.53 pts · high 5.09% / low 3.56%
2.03%4.32%6.62%Sep 16, 2026: 3.56% APYOct 12, 2026: 5.09% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20265.09%▲ from 3.56%
  • Sep 16, 20263.56%first recorded
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
12 Month Jumbo Certificate
$0
4.35% ▲ 1.72% above West Virginia avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 1.72% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 13, 2026
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
12 Month CD SPECIAL
$0
4.33% ▲ 1.70% above West Virginia avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 1.70% above avgNationally 2.99%
Details

Balance: $10,000+

Rate History
1 change since Sep 29, 2026 · 3.77% → 4.33% ▲ 0.56 pts · high 4.33% / low 3.77%
3.21%4.05%4.89%Sep 29, 2026: 3.77% APYOct 5, 2026: 4.33% APYSep 29, 2026Oct 13, 2026
  • Oct 5, 20264.33%▲ from 3.77%
  • Sep 29, 20263.77%first recorded
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
12-Month CD
$1,000
4.30% ▲ 1.67% above West Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.63%▲ 1.67% above avgNationally 2.99%
Details

A strong rate. A full year of predictable growth.

Rate History
1 change since Sep 28, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 28, 2026: 4.20% APYOct 7, 2026: 4.30% APYSep 28, 2026Oct 13, 2026
  • Oct 7, 20264.30%▲ from 4.20%
  • Sep 28, 20264.20%first recorded
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
12 Month Jumbo Certificate
$0
4.25% ▲ 1.62% above West Virginia avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 1.62% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
12 Month Share Certificate
$0
4.15% ▲ 1.52% above West Virginia avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 1.52% above avgNationally 2.99%
Details

Rate History
1 change since Sep 25, 2026 · 3.50% → 4.15% ▲ 0.65 pts · high 4.15% / low 3.50%
2.85%3.83%4.80%Sep 25, 2026: 3.50% APYOct 4, 2026: 4.15% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.15%▲ from 3.50%
  • Sep 25, 20263.50%first recorded
Huntington FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
12 Month C.D.
$0
4.06% ▲ 1.43% above West Virginia avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.63%▲ 1.43% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.06% APY · checked 5 times
3.56%4.06%4.56%Sep 24, 2026: 4.06% APYSep 24, 2026Oct 13, 2026
Alloy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
12 Month LIMITED CERTIFICATE SPECIAL
$0
4.00% ▲ 1.37% above West Virginia avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 1.37% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Alloy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
LIMITED CERTIFICATE SPECIAL 12 Months
$1,000
4.00% ▲ 1.37% above West Virginia avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 1.37% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year CD
$0
4.00% ▲ 1.37% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
West Virginia Average2.63%▲ 1.37% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year Term
$1,000
4.00% ▲ 1.37% above West Virginia avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
West Virginia Average2.63%▲ 1.37% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
First Exchange Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.90%
12 Month CD
$10,000
3.85% ▲ 1.22% above West Virginia avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.63%▲ 1.22% above avgNationally 2.99%
Details

Special CD Rate. Limited time offer. For firstDirect Interest, firstDeluxe and firstPremium Interest Account Holders only.

Rate History
1 change since Sep 7, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 7, 2026: 3.75% APYOct 3, 2026: 3.85% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20263.85%▲ from 3.75%
  • Sep 7, 20263.75%first recorded
First Exchange Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.90%
12 Month Special CD
$0
3.85% ▲ 1.22% above West Virginia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.63%▲ 1.22% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 19, 2026: 3.75% APYOct 3, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20263.85%▲ from 3.75%
  • Sep 19, 20263.75%first recorded
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
12 Month Youth Certificate Special
$500
3.85% ▲ 1.22% above West Virginia avg
View
▼
Rate3.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 1.22% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 8, 2026: 3.85% APYOct 8, 2026Oct 13, 2026
First Exchange Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.90%
12 Month CD
$500
3.75% ▲ 1.12% above West Virginia avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.63%▲ 1.12% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 19, 2026: 3.65% APYOct 3, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20263.75%▲ from 3.65%
  • Sep 19, 20263.65%first recorded
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
12 Month Share Certificate
$500
3.75% ▲ 1.12% above West Virginia avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 1.12% above avgNationally 2.99%
Details

Minimum Deposit $500

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
12 Month Certificate
$0
3.75% ▲ 1.12% above West Virginia avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 1.12% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
12 Month Certificate of Deposit
$0
3.70% ▲ 1.07% above West Virginia avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.63%▲ 1.07% above avgNationally 2.99%
Details

Balance: Greater than or equal to $100,000

Rate History
No change since Sep 11, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 11, 2026: 3.70% APYSep 11, 2026Oct 13, 2026
FNB Bank, Inc. Romney, WV
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
12 MONTH CD SPECIAL
$1,000
3.70% ▲ 1.07% above West Virginia avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 1.07% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
3.15%3.68%4.20%Sep 14, 2026: 3.65% APYSep 24, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.70%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
JUMBO CERTIFICATE SPECIALS - 12 Months
$0
3.70% ▲ 1.07% above West Virginia avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 1.07% above avgNationally 2.99%
Details

Rate History
No change since Sep 17, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 17, 2026: 3.70% APYSep 17, 2026Oct 13, 2026
The Bank of Romney
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
12 Months Certificate
$500
3.65% ▲ 1.02% above West Virginia avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.63%▲ 1.02% above avgNationally 2.99%
Details

QTL. Min. $500.00 (Penalty 30 Days)

Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 19, 2026: 3.65% APYSep 19, 2026Oct 13, 2026
Metro Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
12 Month CD
$0
3.61% ▲ 0.98% above West Virginia avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 0.98% above avgNationally 2.99%
Details

Minimum balance of $5,000 required on all Certificates

Rate History
No change since Oct 12, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 12, 2026: 3.61% APYOct 12, 2026Oct 13, 2026
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
12 Month Certificate of Deposit
$0
3.60% ▲ 0.97% above West Virginia avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.63%▲ 0.97% above avgNationally 2.99%
Details

Balance: Less than $100,000

Rate History
No change since Oct 7, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
12 Month JUMBO CERTIFICATES
$0
3.60% ▲ 0.97% above West Virginia avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 0.97% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 12 Months
$500
3.55% ▲ 0.92% above West Virginia avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 0.92% above avgNationally 2.99%
Details

Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)

Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 12 Months
$500
3.55% ▲ 0.92% above West Virginia avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 0.92% above avgNationally 2.99%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 12, 2026: 3.55% APYSep 12, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
12 Month Share & IRA Certificate
$0
3.55% ▲ 0.92% above West Virginia avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 0.92% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
12 Month Certificate
$0
3.55% ▲ 0.92% above West Virginia avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 0.92% above avgNationally 2.99%
Details

Paid Monthly

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
1 Year Jumbo IRA Certificates
$200,000
3.51% ▲ 0.88% above West Virginia avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 0.88% above avgNationally 2.99%
Details

Balance: $200,000.00 and over; Peoples Preferred Club

Rate History
3 changes since Sep 14, 2026 · 3.41% → 3.51% ▲ 0.10 pts · high 3.51% / low 3.30%
2.80%3.41%4.01%Sep 14, 2026: 3.41% APYSep 18, 2026: 3.30% APYSep 21, 2026: 3.41% APYOct 5, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.51%▲ from 3.41%
  • Sep 21, 20263.41%▲ from 3.30%
  • Sep 18, 20263.30%▼ from 3.41%
  • Sep 14, 20263.41%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
1 Year Jumbo Share Certificates
$0
3.51% ▲ 0.88% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 0.88% above avgNationally 2.99%
Details

APY Peoples Preferred Club; Balance: $200,000.00 and over

Rate History
2 changes since Sep 18, 2026 · 3.30% → 3.51% ▲ 0.21 pts · high 3.51% / low 3.30%
2.80%3.41%4.01%Sep 18, 2026: 3.30% APYSep 21, 2026: 3.41% APYOct 5, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 5, 20263.51%▲ from 3.41%
  • Sep 21, 20263.41%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
12 Month Certificate
$0
3.50% ▲ 0.87% above West Virginia avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 0.87% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 5, 2026: 3.50% APYOct 5, 2026Oct 13, 2026
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional Roth IRA Certificate - 12 Months
$0
3.50% ▲ 0.87% above West Virginia avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 0.87% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Share Certificate - 12 MO
$0
3.50% ▲ 0.87% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 0.87% above avgNationally 2.99%
Details

Funds are disbursed to shares at maturity. $1,000.00 minimum balance and early withdrawal penalty may apply.

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
1 Year Jumbo IRA Certificates
$150,000
3.46% ▲ 0.83% above West Virginia avg
View
▼
RateN/A
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 0.83% above avgNationally 2.99%
Details

Balance: $150,000.00 - $199,999.99; Peoples Preferred Club

Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.46% ▲ 0.21 pts · high 3.46% / low 3.25%
2.75%3.36%3.96%Sep 14, 2026: 3.25% APYSep 21, 2026: 3.36% APYOct 5, 2026: 3.46% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.46%▲ from 3.36%
  • Sep 21, 20263.36%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
1 Year Jumbo Share Certificates
$0
3.46% ▲ 0.83% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 0.83% above avgNationally 2.99%
Details

APY Peoples Preferred Club; Balance: $150,000.00 - $199,999.99

Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.46% ▲ 0.21 pts · high 3.46% / low 3.25%
2.75%3.36%3.96%Sep 14, 2026: 3.25% APYSep 21, 2026: 3.36% APYOct 5, 2026: 3.46% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.46%▲ from 3.36%
  • Sep 21, 20263.36%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate
$0
3.44% ▲ 0.81% above West Virginia avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.63%▲ 0.81% above avgNationally 2.99%
Details

Rate History
1 change since Sep 7, 2026 · 3.34% → 3.44% ▲ 0.10 pts · high 3.44% / low 3.34%
2.84%3.39%3.94%Sep 7, 2026: 3.34% APYSep 27, 2026: 3.44% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20263.44%▲ from 3.34%
  • Sep 7, 20263.34%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
1 Year Jumbo IRA Certificates
$100,000
3.41% ▲ 0.78% above West Virginia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 0.78% above avgNationally 2.99%
Details

Balance: $100,000.00 - $149,999.99; Peoples Preferred Club

Rate History
2 changes since Sep 14, 2026 · 3.20% → 3.41% ▲ 0.21 pts · high 3.41% / low 3.20%
2.70%3.31%3.91%Sep 14, 2026: 3.20% APYSep 21, 2026: 3.30% APYSep 25, 2026: 3.41% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.41%▲ from 3.30%
  • Sep 21, 20263.30%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
1 Year Jumbo Share Certificates
$0
3.41% ▲ 0.78% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 0.78% above avgNationally 2.99%
Details

APY Peoples Preferred Club; Balance: $100,000.00 - $149,999.99

Rate History
2 changes since Sep 14, 2026 · 3.20% → 3.41% ▲ 0.21 pts · high 3.41% / low 3.20%
2.70%3.31%3.91%Sep 14, 2026: 3.20% APYSep 21, 2026: 3.30% APYOct 5, 2026: 3.41% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.41%▲ from 3.30%
  • Sep 21, 20263.30%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
12 Month IRA Certificate
$0
3.40% ▲ 0.77% above West Virginia avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.63%▲ 0.77% above avgNationally 2.99%
Details

Rate History
No change since Sep 29, 2026 · 3.40% APY
2.90%3.40%3.90%Sep 29, 2026: 3.40% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
12 Month Share Certificates
$0
3.40% ▲ 0.77% above West Virginia avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.63%▲ 0.77% above avgNationally 2.99%
Details

Rate History
No change since Sep 29, 2026 · 3.40% APY
2.90%3.40%3.90%Sep 29, 2026: 3.40% APYSep 29, 2026Oct 13, 2026
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
1 Year Jumbo IRA Certificates
$150,000
3.36% ▲ 0.73% above West Virginia avg
View
▼
RateN/A
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 0.73% above avgNationally 2.99%
Details

Balance: $150,000.00 - $199,999.99

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.36% ▲ 0.11 pts · high 3.36% / low 3.25%
2.75%3.30%3.86%Sep 14, 2026: 3.25% APYSep 21, 2026: 3.36% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.36%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
1 Year Jumbo Share Certificates
$0
3.36% ▲ 0.73% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 0.73% above avgNationally 2.99%
Details

Balance: $150,000.00 - $199,999.99

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.36% ▲ 0.11 pts · high 3.36% / low 3.25%
2.75%3.30%3.86%Sep 14, 2026: 3.25% APYSep 21, 2026: 3.36% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.36%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Share Certificate - 12 month
$100,000
3.31% ▲ 0.68% above West Virginia avg
View
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 0.68% above avgNationally 2.99%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Traditional and Roth IRA Certificate - 12 month
$100,000
3.31% ▲ 0.68% above West Virginia avg
View
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 0.68% above avgNationally 2.99%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates

Rate History
No change since Oct 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 13, 2026
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
12 Month Share Certificates
$0
3.30% ▲ 0.67% above West Virginia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 0.67% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
12 Month CD
$0
3.30% ▲ 0.67% above West Virginia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 0.67% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
1 Year Jumbo IRA Certificates
$100,000
3.30% ▲ 0.67% above West Virginia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 0.67% above avgNationally 2.99%
Details

Balance: $100,000.00 - $149,999.99

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
2.70%3.25%3.80%Sep 14, 2026: 3.20% APYSep 21, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.30%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
1 Year Jumbo Share Certificates
$0
3.30% ▲ 0.67% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.63%▲ 0.67% above avgNationally 2.99%
Details

Balance: $100,000.00 - $149,999.99

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
2.70%3.25%3.80%Sep 14, 2026: 3.20% APYSep 21, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.30%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1 Year Share Certificate
$1,000
3.29% ▲ 0.66% above West Virginia avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 0.66% above avgNationally 2.99%
Details

Minimum $1,000.00 to open; APY is Annual Percentage Yield if left on deposit for full term

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Certificates - 1 Year
$1,000
3.29% ▲ 0.66% above West Virginia avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 0.66% above avgNationally 2.99%
Details

Rates effective: September 1st, 2026

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026

Bolivar 18 Month CD Rates

West Virginia 18 Month CD Average2.38% APYNational 2.87%▼ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
18-Month CD
$1,000
4.40% ▲ 2.02% above West Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.38%▲ 2.02% above avgNationally 2.87%
Details

Our highest featured APY, locked in for longer.

Rate History
1 change since Sep 28, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 28, 2026: 4.30% APYOct 7, 2026: 4.40% APYSep 28, 2026Oct 13, 2026
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 28, 20264.30%first recorded
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
12 thru 18 Month Certificate of Deposit
$5,000
4.25% ▲ 1.87% above West Virginia avg
View
▼
Rate4.16%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.38%▲ 1.87% above avgNationally 2.87%
Details

All certificates are automatically renewable. $5,000.00 initial deposit required except those age 18 and under may open with $500. The annual percentage yields assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. A.P.Y. = Annual Percentage Yield. Public funds over $250,000.00 excluded from this offer. Effective Date: 10/5/2026

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
18 MONTH IRA / ROTH TDOA
$0
4.25% ▲ 1.87% above West Virginia avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.38%▲ 1.87% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Huntington FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
18 Month C.D.
$0
3.87% ▲ 1.49% above West Virginia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.38%▲ 1.49% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.87% APY · checked 5 times
3.37%3.87%4.37%Sep 24, 2026: 3.87% APYSep 24, 2026Oct 13, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 1.47% above West Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.38%▲ 1.47% above avgNationally 2.87%
Details

Requires a qualifying checking account.

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18-Month M&T Select CD
$0
3.85% ▲ 1.47% above West Virginia avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.38%▲ 1.47% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
The Citizens Bank of Weston
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
18 Month CD/IRA
$500
3.85% ▲ 1.47% above West Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.38%▲ 1.47% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 18 Months
$500
3.80% ▲ 1.42% above West Virginia avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▲ 1.42% above avgNationally 2.87%
Details

Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 18 Months
$500
3.80% ▲ 1.42% above West Virginia avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▲ 1.42% above avgNationally 2.87%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 12, 2026: 3.80% APYSep 12, 2026Oct 13, 2026
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
18 Month Share Certificate
$500
3.75% ▲ 1.37% above West Virginia avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▲ 1.37% above avgNationally 2.87%
Details

Minimum Deposit $500

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
CNB Bank Berkeley Springs, WV
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
18 Month Certificate
$0
3.55% ▲ 1.17% above West Virginia avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.38%▲ 1.17% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
18 Month JUMBO CERTIFICATES
$0
3.55% ▲ 1.17% above West Virginia avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.38%▲ 1.17% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
18 Month Share & IRA Certificate
$0
3.50% ▲ 1.12% above West Virginia avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.38%▲ 1.12% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$0
3.49% ▲ 1.11% above West Virginia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.38%▲ 1.11% above avgNationally 2.87%
Details

Rate History
1 change since Sep 7, 2026 · 2.02% → 3.49% ▲ 1.47 pts · high 3.49% / low 2.02%
0.55%2.76%4.96%Sep 7, 2026: 2.02% APYSep 27, 2026: 3.49% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20263.49%▲ from 2.02%
  • Sep 7, 20262.02%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Share Certificate - 18 month
$100,000
3.41% ▲ 1.03% above West Virginia avg
View
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▲ 1.03% above avgNationally 2.87%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 12, 2026: 3.41% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Traditional and Roth IRA Certificate - 18 month
$100,000
3.41% ▲ 1.03% above West Virginia avg
View
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▲ 1.03% above avgNationally 2.87%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates

Rate History
No change since Oct 12, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 12, 2026: 3.41% APYOct 12, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18 Month IRA Certificate
$0
3.35% ▲ 0.97% above West Virginia avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.38%▲ 0.97% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18 Month Share Certificates
$0
3.35% ▲ 0.97% above West Virginia avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.38%▲ 0.97% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Share Certificate - 18 month
$500
3.31% ▲ 0.93% above West Virginia avg
View
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▲ 0.93% above avgNationally 2.87%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase

Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
2.81%3.36%3.91%Sep 25, 2026: 3.41% APYOct 12, 2026: 3.31% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20263.31%▼ from 3.41%
  • Sep 25, 20263.41%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Traditional and Roth IRA Certificate - 18 month
$500
3.31% ▲ 0.93% above West Virginia avg
View
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▲ 0.93% above avgNationally 2.87%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA

Rate History
No change since Oct 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 13, 2026
The Bank of Romney
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
18 Months Certificate
$500
3.30% ▲ 0.92% above West Virginia avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.38%▲ 0.92% above avgNationally 2.87%
Details

Daily Min. $500.00 (Penalty 90 Days)

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 13, 2026
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
18 Month Certificate
$0
3.20% ▲ 0.82% above West Virginia avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.38%▲ 0.82% above avgNationally 2.87%
Details

Rate History
No change since Oct 5, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 5, 2026: 3.20% APYOct 5, 2026Oct 13, 2026
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
18-month IRA Certificate - Peoples Preferred Club
$0
3.15% ▲ 0.77% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.38%▲ 0.77% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05%
2.55%3.10%3.65%Sep 21, 2026: 3.05% APYSep 25, 2026: 3.15% APYSep 21, 2026Oct 13, 2026
  • Sep 25, 20263.15%▲ from 3.05%
  • Sep 21, 20263.05%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
18-month IRA Certificate
$0
3.05% ▲ 0.67% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.38%▲ 0.67% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 2.94% → 3.05% ▲ 0.11 pts · high 3.05% / low 2.94%
2.44%3.00%3.55%Sep 14, 2026: 2.94% APYSep 25, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.05%▲ from 2.94%
  • Sep 14, 20262.94%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
18-month Share Certificate
$0
3.05% ▲ 0.67% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.38%▲ 0.67% above avgNationally 2.87%
Details

Peoples Preferred Club APY: 3.15%

Rate History
1 change since Sep 14, 2026 · 2.94% → 3.05% ▲ 0.11 pts · high 3.05% / low 2.94%
2.44%3.00%3.55%Sep 14, 2026: 2.94% APYSep 25, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.05%▲ from 2.94%
  • Sep 14, 20262.94%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
18-Month CD
$0
2.75% ▲ 0.37% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
West Virginia Average2.38%▲ 0.37% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
18-Month Term
$1,000
2.75% ▲ 0.37% above West Virginia avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
West Virginia Average2.38%▲ 0.37% above avgNationally 2.87%
Details

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 13, 2026
Davis Trust Company
Institution Rating:
A-4.7 ★Texas Ratio: 11.86%
18 Month Certificate
$0
2.63% ▲ 0.25% above West Virginia avg
View
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▲ 0.25% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.63% APY · checked 7 times
2.13%2.63%3.13%Sep 14, 2026: 2.63% APYSep 14, 2026Oct 13, 2026
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
18 Month Fixed Rate CD
$500
2.60% ▲ 0.22% above West Virginia avg
View
▼
Rate2.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.38%▲ 0.22% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 6 times
2.10%2.60%3.10%Sep 18, 2026: 2.60% APYSep 18, 2026Oct 13, 2026
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
18 Month Certificate
$0
2.48% ▲ 0.10% above West Virginia avg
View
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.38%▲ 0.10% above avgNationally 2.87%
Details

Balance: $10,000+

Rate History
No change since Sep 14, 2026 · 2.48% APY · checked 4 times
1.98%2.48%2.98%Sep 14, 2026: 2.48% APYSep 14, 2026Oct 13, 2026
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
18 Month Certificate
$0
2.40% ▲ 0.02% above West Virginia avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.38%▲ 0.02% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 7 times
1.90%2.40%2.90%Sep 14, 2026: 2.40% APYSep 14, 2026Oct 13, 2026
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
18 Month Certificate
$0
2.32% ▼ 0.06% below West Virginia avg
View
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.38%▼ 0.06% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.32% APY · checked 6 times
1.82%2.32%2.82%Sep 14, 2026: 2.32% APYSep 14, 2026Oct 13, 2026
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
18 Month Certificate
$0
2.25% ▼ 0.13% below West Virginia avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.38%▼ 0.13% below avgNationally 2.87%
Details

Early Withdrawl Penalty: 180 Day

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
18 Month Share Certificate
$1,000
2.03% ▼ 0.35% below West Virginia avg
View
▼
Rate2.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.38%▼ 0.35% below avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 2.03% APY · checked 3 times
1.53%2.03%2.53%Oct 9, 2026: 2.03% APYOct 9, 2026Oct 13, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
18 Month CD
$500
1.80% ▼ 0.58% below West Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.38%▼ 0.58% below avgNationally 2.87%
Details

Rate History
No change since Sep 9, 2026 · 1.80% APY · checked 3 times
1.30%1.80%2.30%Sep 9, 2026: 1.80% APYSep 9, 2026Oct 13, 2026
FNB Bank, Inc. Romney, WV
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 MONTH IRA
$100
1.25% ▼ 1.13% below West Virginia avg
View
▼
Rate1.24%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▼ 1.13% below avgNationally 2.87%
Details

Variable

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 6 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 13, 2026
Lb&t
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
18 MONTH CD & CD IRA
$500
1.21% ▼ 1.17% below West Virginia avg
View
▼
Rate1.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.38%▼ 1.17% below avgNationally 2.87%
Details

Early Withdrawal: 3 MO INTEREST

Rate History
No change since Sep 24, 2026 · 1.21% APY · checked 5 times
0.71%1.21%1.71%Sep 24, 2026: 1.21% APYSep 24, 2026Oct 13, 2026
First Mutual Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
18-Month CD
$500
1.20% ▼ 1.18% below West Virginia avg
View
▼
Rate1.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▼ 1.18% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 6 times
0.70%1.20%1.70%Sep 14, 2026: 1.20% APYSep 14, 2026Oct 13, 2026
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
18 Month Certificate
$500
0.90% ▼ 1.48% below West Virginia avg
View
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▼ 1.48% below avgNationally 2.87%
Details

EARLY WITHDRAWAL PENALTY: 180 days dividend penalty

Rate History
No change since Sep 25, 2026 · 0.90% APY · checked 4 times
0.40%0.90%1.40%Sep 25, 2026: 0.90% APYSep 25, 2026Oct 13, 2026
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
18 Month IRA Certificate
$0
0.85% ▼ 1.53% below West Virginia avg
View
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.38%▼ 1.53% below avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 0.85% APY · checked 5 times
0.35%0.85%1.35%Sep 24, 2026: 0.85% APYSep 24, 2026Oct 13, 2026
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
18 Month Certificate
$0
0.75% ▼ 1.63% below West Virginia avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.38%▼ 1.63% below avgNationally 2.87%
Details

Rate History
No change since Sep 11, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 11, 2026: 0.75% APYSep 11, 2026Oct 13, 2026
Hancock County SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
18 MONTH CERTIFICATE
$500
0.50% ▼ 1.88% below West Virginia avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.38%▼ 1.88% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 7, 2026: 0.50% APYOct 7, 2026Oct 13, 2026
Hancock County SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
18 MONTH IRA CD
$0
0.50% ▼ 1.88% below West Virginia avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.38%▼ 1.88% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 7, 2026: 0.50% APYOct 7, 2026Oct 13, 2026
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
IRA 18 Month
$1,000
0.40% ▼ 1.98% below West Virginia avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.38%▼ 1.98% below avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Sep 18, 2026: 0.40% APYSep 18, 2026Oct 13, 2026
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
18 Month Certificate
$500
0.35% ▼ 2.03% below West Virginia avg
View
▼
Rate0.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▼ 2.03% below avgNationally 2.87%
Details

Compounding: Quarterly

Rate History
No change since Oct 8, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 8, 2026: 0.35% APYOct 8, 2026Oct 13, 2026
Pioneer Appalachia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
18 Month Share Certificate
$250,000
0.32% ▼ 2.06% below West Virginia avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▼ 2.06% below avgNationally 2.87%
Details

Jumbo Plus APY; Balance: $250,000+

Rate History
No change since Oct 8, 2026 · 0.32% APY · checked 2 times
0.00%0.41%0.82%Oct 8, 2026: 0.32% APYOct 8, 2026Oct 13, 2026
Main Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
18 Month Certificate
$1,000
0.30% ▼ 2.08% below West Virginia avg
View
▼
Rate0.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▼ 2.08% below avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 0.30% APY · checked 5 times
0.00%0.40%0.80%Sep 24, 2026: 0.30% APYSep 24, 2026Oct 13, 2026
Pioneer Appalachia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
18 Month Share Certificate
$100,000
0.22% ▼ 2.16% below West Virginia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▼ 2.16% below avgNationally 2.87%
Details

Jumbo APY; Balance: $100,000 - $249,999.99

Rate History
No change since Oct 8, 2026 · 0.22% APY · checked 2 times
0.00%0.36%0.72%Oct 8, 2026: 0.22% APYOct 8, 2026Oct 13, 2026
First Exchange Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.90%
18 Month CD
$500
0.15% ▼ 2.23% below West Virginia avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.38%▼ 2.23% below avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 13, 2026
Pioneer Appalachia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
18 Month Share Certificate
$500
0.12% ▼ 2.26% below West Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▼ 2.26% below avgNationally 2.87%
Details

Standard APY; Balance: $500 - $99,999.99

Rate History
No change since Oct 8, 2026 · 0.12% APY · checked 2 times
0.00%0.31%0.62%Oct 8, 2026: 0.12% APYOct 8, 2026Oct 13, 2026

Bolivar 24 Month CD Rates

West Virginia 24 Month CD Average2.48% APYNational 2.88%▼ 0.06% from last week
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: 4.42%
24 Month Jumbo Certificate
$0
4.35% ▲ 1.87% above West Virginia avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 1.87% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.30% ▲ 1.82% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 1.82% above avgNationally 2.88%
Details

Balance: $250,000.01+

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month Jumbo Certificate
$0
4.25% ▲ 1.77% above West Virginia avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 1.77% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.25% ▲ 1.77% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 1.77% above avgNationally 2.88%
Details

Balance: $100,000-$250,000

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.20% ▲ 1.72% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 1.72% above avgNationally 2.88%
Details

Balance: $10,000-$24,999

Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 5, 2026: 4.20% APYOct 5, 2026Oct 13, 2026
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month Share Certificate
$0
4.15% ▲ 1.67% above West Virginia avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 1.67% above avgNationally 2.88%
Details

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 25, 2026: 3.75% APYOct 4, 2026: 4.15% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.15%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.10% ▲ 1.62% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 1.62% above avgNationally 2.88%
Details

Balance: $1,000-$9,999

Rate History
No change since Oct 5, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 5, 2026: 4.10% APYOct 5, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 24 Months
$500
4.06% ▲ 1.58% above West Virginia avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 1.58% above avgNationally 2.88%
Details

Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)

Rate History
No change since Oct 12, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 12, 2026: 4.06% APYOct 12, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 24 Months
$500
4.06% ▲ 1.58% above West Virginia avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 1.58% above avgNationally 2.88%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 12, 2026: 4.06% APYSep 12, 2026Oct 13, 2026
First Exchange Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.90%
24 Month CD
$10,000
4.05% ▲ 1.57% above West Virginia avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.48%▲ 1.57% above avgNationally 2.88%
Details

Special CD Rate. Limited time offer. For firstDirect Interest, firstDeluxe and firstPremium Interest Account Holders only.

Rate History
1 change since Sep 7, 2026 · 3.49% → 4.05% ▲ 0.56 pts · high 4.05% / low 3.49%
2.93%3.77%4.61%Sep 7, 2026: 3.49% APYOct 3, 2026: 4.05% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20264.05%▲ from 3.49%
  • Sep 7, 20263.49%first recorded
First Exchange Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.90%
24 Month Special CD
$0
4.05% ▲ 1.57% above West Virginia avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.48%▲ 1.57% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.49% → 4.05% ▲ 0.56 pts · high 4.05% / low 3.49%
2.93%3.77%4.61%Sep 19, 2026: 3.49% APYOct 3, 2026: 4.05% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20264.05%▲ from 3.49%
  • Sep 19, 20263.49%first recorded
First Exchange Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.90%
24 Month CD
$500
3.95% ▲ 1.47% above West Virginia avg
View
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.48%▲ 1.47% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.39% → 3.95% ▲ 0.56 pts · high 3.95% / low 3.39%
2.83%3.67%4.51%Sep 19, 2026: 3.39% APYOct 3, 2026: 3.95% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20263.95%▲ from 3.39%
  • Sep 19, 20263.39%first recorded
FNB Bank, Inc. Romney, WV
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
24 MONTH CD SPECIAL
$1,000
3.85% ▲ 1.37% above West Virginia avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 1.37% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 24, 2026: 3.85% APYSep 24, 2026Oct 13, 2026
Hancock County SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
24 Month Certificate of IRA CD
$500
3.75% ▲ 1.27% above West Virginia avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.48%▲ 1.27% above avgNationally 2.88%
Details

Balance: $500 $0.01

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
24 Month Share Certificate
$0
3.75% ▲ 1.27% above West Virginia avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 1.27% above avgNationally 2.88%
Details

Balance: $500+; Minimum Deposit $500+

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
The Bank of Romney
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
24 Months Certificate
$1,000
3.72% ▲ 1.24% above West Virginia avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.48%▲ 1.24% above avgNationally 2.88%
Details

Daily Min. $1,000.00 (Penalty 90 Days)

Rate History
No change since Oct 7, 2026 · 3.72% APY · checked 2 times
3.22%3.72%4.22%Oct 7, 2026: 3.72% APYOct 7, 2026Oct 13, 2026
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
24 Month Share Certificates
$0
3.56% ▲ 1.08% above West Virginia avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 1.08% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Huntington FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
24 Month C.D.
$0
3.55% ▲ 1.07% above West Virginia avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.48%▲ 1.07% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Oct 13, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
2 Year Share Certificate
$1,000
3.55% ▲ 1.07% above West Virginia avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 1.07% above avgNationally 2.88%
Details

Minimum $1,000.00 to open; APY is Annual Percentage Yield if left on deposit for full term

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Certificates - 2 Year
$1,000
3.55% ▲ 1.07% above West Virginia avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 1.07% above avgNationally 2.88%
Details

Rates effective: September 1st, 2026

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
24 Month JUMBO CERTIFICATES
$0
3.55% ▲ 1.07% above West Virginia avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 1.07% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
24 Month Certificate
$0
3.55% ▲ 1.07% above West Virginia avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 1.07% above avgNationally 2.88%
Details

Paid Monthly

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate
$0
3.52% ▲ 1.04% above West Virginia avg
View
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.48%▲ 1.04% above avgNationally 2.88%
Details

Rate History
1 change since Sep 7, 2026 · 2.02% → 3.52% ▲ 1.50 pts · high 3.52% / low 2.02%
0.52%2.77%5.02%Sep 7, 2026: 2.02% APYSep 27, 2026: 3.52% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20263.52%▲ from 2.02%
  • Sep 7, 20262.02%first recorded
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
24 Month Share & IRA Certificate
$0
3.50% ▲ 1.02% above West Virginia avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 1.02% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
24 Month IRA Certificate
$0
3.45% ▲ 0.97% above West Virginia avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.48%▲ 0.97% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
24 Month Share Certificates
$0
3.45% ▲ 0.97% above West Virginia avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.48%▲ 0.97% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Share Certificate - 24 month
$100,000
3.41% ▲ 0.93% above West Virginia avg
View
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 0.93% above avgNationally 2.88%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 12, 2026: 3.41% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Traditional and Roth IRA Certificate - 24 month
$100,000
3.41% ▲ 0.93% above West Virginia avg
View
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 0.93% above avgNationally 2.88%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates

Rate History
No change since Oct 12, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 12, 2026: 3.41% APYOct 12, 2026Oct 13, 2026
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
2 Year Jumbo IRA Certificates
$200,000
3.41% ▲ 0.93% above West Virginia avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 0.93% above avgNationally 2.88%
Details

Balance: $200,000.00 and over; Peoples Preferred Club

Rate History
2 changes since Sep 14, 2026 · 3.20% → 3.41% ▲ 0.21 pts · high 3.41% / low 3.20%
2.70%3.31%3.91%Sep 14, 2026: 3.20% APYSep 21, 2026: 3.30% APYOct 5, 2026: 3.41% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.41%▲ from 3.30%
  • Sep 21, 20263.30%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
2 Year Jumbo Share Certificates
$0
3.41% ▲ 0.93% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 0.93% above avgNationally 2.88%
Details

APY Peoples Preferred Club; Balance: $200,000.00 and over

Rate History
2 changes since Sep 18, 2026 · 3.20% → 3.41% ▲ 0.21 pts · high 3.41% / low 3.20%
2.70%3.31%3.91%Sep 18, 2026: 3.20% APYSep 21, 2026: 3.30% APYOct 5, 2026: 3.41% APYSep 18, 2026Oct 13, 2026
  • Oct 5, 20263.41%▲ from 3.30%
  • Sep 21, 20263.30%▲ from 3.20%
  • Sep 18, 20263.20%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
2 Year Jumbo IRA Certificates
$150,000
3.36% ▲ 0.88% above West Virginia avg
View
▼
RateN/A
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 0.88% above avgNationally 2.88%
Details

Balance: $150,000.00 - $199,999.99; Peoples Preferred Club

Rate History
3 changes since Sep 14, 2026 · 3.25% → 3.36% ▲ 0.11 pts · high 3.36% / low 3.15%
2.65%3.26%3.86%Sep 14, 2026: 3.25% APYSep 18, 2026: 3.15% APYSep 21, 2026: 3.25% APYOct 5, 2026: 3.36% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.36%▲ from 3.25%
  • Sep 21, 20263.25%▲ from 3.15%
  • Sep 18, 20263.15%▼ from 3.25%
  • Sep 14, 20263.25%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
2 Year Jumbo Share Certificates
$0
3.36% ▲ 0.88% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 0.88% above avgNationally 2.88%
Details

APY Peoples Preferred Club; Balance: $150,000.00 - $199,999.99

Rate History
3 changes since Sep 14, 2026 · 3.25% → 3.36% ▲ 0.11 pts · high 3.36% / low 3.15%
2.65%3.26%3.86%Sep 14, 2026: 3.25% APYSep 18, 2026: 3.15% APYSep 21, 2026: 3.25% APYOct 5, 2026: 3.36% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.36%▲ from 3.25%
  • Sep 21, 20263.25%▲ from 3.15%
  • Sep 18, 20263.15%▼ from 3.25%
  • Sep 14, 20263.25%first recorded
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
24 Month Certificate of Deposit
$0
3.35% ▲ 0.87% above West Virginia avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.48%▲ 0.87% above avgNationally 2.88%
Details

Balance: Greater than or equal to $100,000

Rate History
No change since Sep 11, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Sep 11, 2026: 3.35% APYSep 11, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Share Certificate - 24 month
$500
3.31% ▲ 0.83% above West Virginia avg
View
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 0.83% above avgNationally 2.88%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase

Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
2.81%3.36%3.91%Sep 25, 2026: 3.41% APYOct 12, 2026: 3.31% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20263.31%▼ from 3.41%
  • Sep 25, 20263.41%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Traditional and Roth IRA Certificate - 24 month
$500
3.31% ▲ 0.83% above West Virginia avg
View
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 0.83% above avgNationally 2.88%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA

Rate History
No change since Oct 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 13, 2026
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
2 Year Jumbo IRA Certificates
$200,000
3.30% ▲ 0.82% above West Virginia avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 0.82% above avgNationally 2.88%
Details

Balance: $200,000.00 and over

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
2.70%3.25%3.80%Sep 14, 2026: 3.20% APYSep 21, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.30%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
2 Year Jumbo Share Certificates
$0
3.30% ▲ 0.82% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 0.82% above avgNationally 2.88%
Details

Balance: $200,000.00 and over

Rate History
1 change since Sep 18, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
2.70%3.25%3.80%Sep 18, 2026: 3.20% APYSep 21, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
  • Sep 21, 20263.30%▲ from 3.20%
  • Sep 18, 20263.20%first recorded
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
24 Month Certificate of Deposit
$0
3.25% ▲ 0.77% above West Virginia avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.48%▲ 0.77% above avgNationally 2.88%
Details

Balance: Less than $100,000

Rate History
No change since Oct 7, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
2 Year Jumbo IRA Certificates
$100,000
3.25% ▲ 0.77% above West Virginia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 0.77% above avgNationally 2.88%
Details

Balance: $100,000.00 - $149,999.99; Peoples Preferred Club

Rate History
2 changes since Sep 14, 2026 · 3.05% → 3.25% ▲ 0.20 pts · high 3.25% / low 3.05%
2.55%3.15%3.75%Sep 14, 2026: 3.05% APYSep 21, 2026: 3.15% APYSep 25, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.25%▲ from 3.15%
  • Sep 21, 20263.15%▲ from 3.05%
  • Sep 14, 20263.05%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
2 Year Jumbo Share Certificates
$0
3.25% ▲ 0.77% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 0.77% above avgNationally 2.88%
Details

APY Peoples Preferred Club; Balance: $100,000.00 - $149,999.99

Rate History
2 changes since Sep 14, 2026 · 3.05% → 3.25% ▲ 0.20 pts · high 3.25% / low 3.05%
2.55%3.15%3.75%Sep 14, 2026: 3.05% APYSep 21, 2026: 3.15% APYOct 5, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.25%▲ from 3.15%
  • Sep 21, 20263.15%▲ from 3.05%
  • Sep 14, 20263.05%first recorded
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
24 Month Certificate
$0
3.20% ▲ 0.72% above West Virginia avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 0.72% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 5, 2026: 3.20% APYOct 5, 2026Oct 13, 2026
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional Roth IRA Certificate - 24 Months
$0
3.20% ▲ 0.72% above West Virginia avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 0.72% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
2 Year Jumbo IRA Certificates
$100,000
3.15% ▲ 0.67% above West Virginia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 0.67% above avgNationally 2.88%
Details

Balance: $100,000.00 - $149,999.99

Rate History
1 change since Sep 14, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05%
2.55%3.10%3.65%Sep 14, 2026: 3.05% APYSep 21, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.15%▲ from 3.05%
  • Sep 14, 20263.05%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
2 Year Jumbo Share Certificates
$0
3.15% ▲ 0.67% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 0.67% above avgNationally 2.88%
Details

Balance: $100,000.00 - $149,999.99

Rate History
1 change since Sep 14, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05%
2.55%3.10%3.65%Sep 14, 2026: 3.05% APYSep 21, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.15%▲ from 3.05%
  • Sep 14, 20263.05%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
2-year IRA Certificate - Peoples Preferred Club
$0
3.15% ▲ 0.67% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 0.67% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05%
2.55%3.10%3.65%Sep 21, 2026: 3.05% APYSep 25, 2026: 3.15% APYSep 21, 2026Oct 13, 2026
  • Sep 25, 20263.15%▲ from 3.05%
  • Sep 21, 20263.05%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
2-year IRA Certificate
$0
3.05% ▲ 0.57% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 0.57% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.94% → 3.05% ▲ 0.11 pts · high 3.05% / low 2.94%
2.44%3.00%3.55%Sep 14, 2026: 2.94% APYSep 25, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.05%▲ from 2.94%
  • Sep 14, 20262.94%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
2-year Share Certificate
$0
3.05% ▲ 0.57% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 0.57% above avgNationally 2.88%
Details

Peoples Preferred Club APY: 3.15%

Rate History
1 change since Sep 14, 2026 · 2.94% → 3.05% ▲ 0.11 pts · high 3.05% / low 2.94%
2.44%3.00%3.55%Sep 14, 2026: 2.94% APYSep 25, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.05%▲ from 2.94%
  • Sep 14, 20262.94%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
24 Month IRA Share Certificate
$500
3.04% ▲ 0.56% above West Virginia avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 0.56% above avgNationally 2.88%
Details

IRA Share Certificate; Minimum $500

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
24 Month Share Certificate
$500
3.04% ▲ 0.56% above West Virginia avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 0.56% above avgNationally 2.88%
Details

Minimum $500

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
24 Month CD
$0
3.04% ▲ 0.56% above West Virginia avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.48%▲ 0.56% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026

Bolivar 36 Month CD Rates

West Virginia 36 Month CD Average2.31% APYNational 2.81%▼ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.50% ▲ 2.19% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 2.19% above avgNationally 2.81%
Details

Balance: $250,000.01+

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.45% ▲ 2.14% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 2.14% above avgNationally 2.81%
Details

Balance: $100,000-$250,000

Rate History
No change since Oct 5, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 5, 2026: 4.45% APYOct 5, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.40% ▲ 2.09% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 2.09% above avgNationally 2.81%
Details

Balance: $10,000-$24,999

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.30% ▲ 1.99% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 1.99% above avgNationally 2.81%
Details

Balance: $1,000-$9,999

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
First Sentinel Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
36-Month CD/IRA
$500
4.16% ▲ 1.85% above West Virginia avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.85% above avgNationally 2.81%
Details

Rate History
No change since Sep 30, 2026 · 4.16% APY · checked 4 times
3.66%4.16%4.66%Sep 30, 2026: 4.16% APYSep 30, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 36 Months
$500
4.06% ▲ 1.75% above West Virginia avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.75% above avgNationally 2.81%
Details

Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)

Rate History
No change since Oct 12, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 12, 2026: 4.06% APYOct 12, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 36 Months
$500
4.06% ▲ 1.75% above West Virginia avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.75% above avgNationally 2.81%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 12, 2026: 4.06% APYSep 12, 2026Oct 13, 2026
FNB Bank, Inc. Romney, WV
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
36 MONTH CD SPECIAL
$1,000
4.00% ▲ 1.69% above West Virginia avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.69% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
36 Month Certificate
$0
4.00% ▲ 1.69% above West Virginia avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 1.69% above avgNationally 2.81%
Details

*New Money from an outside source* Early Withdrawl Penalty: 180 Day

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
36 Month Share Certificates
$0
3.81% ▲ 1.50% above West Virginia avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 1.50% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Jumbo Certificate - 36 month
$0
3.70% ▲ 1.39% above West Virginia avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.39% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 13, 2026
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Jumbo Certificate - 36 month
$0
3.60% ▲ 1.29% above West Virginia avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.29% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 13, 2026
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
36 Month Certificate
$0
3.60% ▲ 1.29% above West Virginia avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 1.29% above avgNationally 2.81%
Details

Paid Monthly

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
36 Month JUMBO CERTIFICATES
$0
3.55% ▲ 1.24% above West Virginia avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 1.24% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
Traditional & Roth IRA Certificate - 36 month
$0
3.50% ▲ 1.19% above West Virginia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.19% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
Traditional & Roth IRA Certificates - 36 month
$0
3.50% ▲ 1.19% above West Virginia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.19% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
36 Month Share & IRA Certificate
$0
3.50% ▲ 1.19% above West Virginia avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 1.19% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
36 Month IRA Certificate
$0
3.50% ▲ 1.19% above West Virginia avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.31%▲ 1.19% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
36 Month Share Certificates
$0
3.50% ▲ 1.19% above West Virginia avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.31%▲ 1.19% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Share Certificate - 36 month
$100,000
3.31% ▲ 1.00% above West Virginia avg
View
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.00% above avgNationally 2.81%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Traditional and Roth IRA Certificate - 36 month
$100,000
3.31% ▲ 1.00% above West Virginia avg
View
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.00% above avgNationally 2.81%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates

Rate History
No change since Oct 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 13, 2026
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
36 Month IRA Share Certificate
$500
3.30% ▲ 0.99% above West Virginia avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 0.99% above avgNationally 2.81%
Details

IRA Share Certificate; Minimum $500

Rate History
1 change since Sep 14, 2026 · 3.14% → 3.30% ▲ 0.16 pts · high 3.30% / low 3.14%
2.64%3.22%3.80%Sep 14, 2026: 3.14% APYOct 12, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.30%▲ from 3.14%
  • Sep 14, 20263.14%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
36 Month Share Certificate
$500
3.30% ▲ 0.99% above West Virginia avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 0.99% above avgNationally 2.81%
Details

Minimum $500

Rate History
1 change since Sep 14, 2026 · 3.14% → 3.30% ▲ 0.16 pts · high 3.30% / low 3.14%
2.64%3.22%3.80%Sep 14, 2026: 3.14% APYOct 12, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.30%▲ from 3.14%
  • Sep 14, 20263.14%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
3 Year Jumbo IRA Certificates
$200,000
3.30% ▲ 0.99% above West Virginia avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.99% above avgNationally 2.81%
Details

Balance: $200,000.00 and over; Peoples Preferred Club

Rate History
4 changes since Sep 14, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 2.94%
2.44%3.12%3.80%Sep 14, 2026: 3.05% APYSep 18, 2026: 2.94% APYSep 21, 2026: 3.05% APYSep 25, 2026: 3.20% APYOct 5, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.30%▲ from 3.20%
  • Sep 25, 20263.20%▲ from 3.05%
  • Sep 21, 20263.05%▲ from 2.94%
  • Sep 18, 20262.94%▼ from 3.05%
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
3 Year Jumbo Share Certificates
$0
3.30% ▲ 0.99% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.99% above avgNationally 2.81%
Details

APY Peoples Preferred Club; Balance: $200,000.00 and over

Rate History
3 changes since Sep 18, 2026 · 2.94% → 3.30% ▲ 0.36 pts · high 3.30% / low 2.94%
2.44%3.12%3.80%Sep 18, 2026: 2.94% APYSep 21, 2026: 3.05% APYSep 25, 2026: 3.20% APYOct 5, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
  • Oct 5, 20263.30%▲ from 3.20%
  • Sep 25, 20263.20%▲ from 3.05%
  • Sep 21, 20263.05%▲ from 2.94%
  • Sep 18, 20262.94%first recorded
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
36 Month Share Certificate
$0
3.25% ▲ 0.94% above West Virginia avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 0.94% above avgNationally 2.81%
Details

Balance: $500+; Minimum Deposit $500+

Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Oct 13, 2026
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
3 Year Jumbo IRA Certificates
$150,000
3.25% ▲ 0.94% above West Virginia avg
View
▼
RateN/A
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.94% above avgNationally 2.81%
Details

Balance: $150,000.00 - $199,999.99; Peoples Preferred Club

Rate History
3 changes since Sep 14, 2026 · 2.89% → 3.25% ▲ 0.36 pts · high 3.25% / low 2.89%
2.39%3.07%3.75%Sep 14, 2026: 2.89% APYSep 21, 2026: 2.99% APYSep 25, 2026: 3.15% APYOct 5, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.25%▲ from 3.15%
  • Sep 25, 20263.15%▲ from 2.99%
  • Sep 21, 20262.99%▲ from 2.89%
  • Sep 14, 20262.89%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
3 Year Jumbo Share Certificates
$0
3.25% ▲ 0.94% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.94% above avgNationally 2.81%
Details

APY Peoples Preferred Club; Balance: $150,000.00 - $199,999.99

Rate History
3 changes since Sep 14, 2026 · 2.89% → 3.25% ▲ 0.36 pts · high 3.25% / low 2.89%
2.39%3.07%3.75%Sep 14, 2026: 2.89% APYSep 21, 2026: 2.99% APYSep 25, 2026: 3.15% APYOct 5, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.25%▲ from 3.15%
  • Sep 25, 20263.15%▲ from 2.99%
  • Sep 21, 20262.99%▲ from 2.89%
  • Sep 14, 20262.89%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Share Certificate - 36 month
$500
3.21% ▲ 0.90% above West Virginia avg
View
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 0.90% above avgNationally 2.81%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase

Rate History
1 change since Sep 25, 2026 · 3.31% → 3.21% ▼ 0.10 pts · high 3.31% / low 3.21%
2.71%3.26%3.81%Sep 25, 2026: 3.31% APYOct 12, 2026: 3.21% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20263.21%▼ from 3.31%
  • Sep 25, 20263.31%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Traditional and Roth IRA Certificate - 36 month
$500
3.21% ▲ 0.90% above West Virginia avg
View
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 0.90% above avgNationally 2.81%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA

Rate History
No change since Oct 12, 2026 · 3.21% APY
2.71%3.21%3.71%Oct 12, 2026: 3.21% APYOct 12, 2026Oct 13, 2026
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
3 Year Jumbo IRA Certificates
$200,000
3.20% ▲ 0.89% above West Virginia avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.89% above avgNationally 2.81%
Details

Balance: $200,000.00 and over

Rate History
3 changes since Sep 14, 2026 · 3.05% → 3.20% ▲ 0.15 pts · high 3.20% / low 2.94%
2.44%3.07%3.70%Sep 14, 2026: 3.05% APYSep 18, 2026: 2.94% APYSep 21, 2026: 3.05% APYSep 25, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.20%▲ from 3.05%
  • Sep 21, 20263.05%▲ from 2.94%
  • Sep 18, 20262.94%▼ from 3.05%
  • Sep 14, 20263.05%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
3 Year Jumbo Share Certificates
$0
3.20% ▲ 0.89% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.89% above avgNationally 2.81%
Details

Balance: $200,000.00 and over

Rate History
2 changes since Sep 18, 2026 · 2.94% → 3.20% ▲ 0.26 pts · high 3.20% / low 2.94%
2.44%3.07%3.70%Sep 18, 2026: 2.94% APYSep 21, 2026: 3.05% APYSep 25, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.20%▲ from 3.05%
  • Sep 21, 20263.05%▲ from 2.94%
  • Sep 18, 20262.94%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
3 Year Jumbo IRA Certificates
$150,000
3.15% ▲ 0.84% above West Virginia avg
View
▼
RateN/A
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.84% above avgNationally 2.81%
Details

Balance: $150,000.00 - $199,999.99

Rate History
2 changes since Sep 14, 2026 · 2.89% → 3.15% ▲ 0.26 pts · high 3.15% / low 2.89%
2.39%3.02%3.65%Sep 14, 2026: 2.89% APYSep 21, 2026: 2.99% APYSep 25, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.15%▲ from 2.99%
  • Sep 21, 20262.99%▲ from 2.89%
  • Sep 14, 20262.89%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
3 Year Jumbo Share Certificates
$0
3.15% ▲ 0.84% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.84% above avgNationally 2.81%
Details

Balance: $150,000.00 - $199,999.99

Rate History
2 changes since Sep 14, 2026 · 2.89% → 3.15% ▲ 0.26 pts · high 3.15% / low 2.89%
2.39%3.02%3.65%Sep 14, 2026: 2.89% APYSep 21, 2026: 2.99% APYSep 25, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.15%▲ from 2.99%
  • Sep 21, 20262.99%▲ from 2.89%
  • Sep 14, 20262.89%first recorded
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
36 Month Certificate of Deposit
$0
3.10% ▲ 0.79% above West Virginia avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.31%▲ 0.79% above avgNationally 2.81%
Details

Balance: Greater than or equal to $100,000

Rate History
No change since Sep 11, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Sep 11, 2026: 3.10% APYSep 11, 2026Oct 13, 2026
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
3 Year Jumbo IRA Certificates
$100,000
3.05% ▲ 0.74% above West Virginia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.74% above avgNationally 2.81%
Details

Balance: $100,000.00 - $149,999.99; Peoples Preferred Club

Rate History
2 changes since Sep 14, 2026 · 2.84% → 3.05% ▲ 0.21 pts · high 3.05% / low 2.84%
2.34%2.95%3.55%Sep 14, 2026: 2.84% APYSep 21, 2026: 2.94% APYOct 5, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.05%▲ from 2.94%
  • Sep 21, 20262.94%▲ from 2.84%
  • Sep 14, 20262.84%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
3 Year Jumbo Share Certificates
$0
3.05% ▲ 0.74% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.74% above avgNationally 2.81%
Details

APY Peoples Preferred Club; Balance: $100,000.00 - $149,999.99

Rate History
2 changes since Sep 14, 2026 · 2.84% → 3.05% ▲ 0.21 pts · high 3.05% / low 2.84%
2.34%2.95%3.55%Sep 14, 2026: 2.84% APYSep 21, 2026: 2.94% APYOct 5, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.05%▲ from 2.94%
  • Sep 21, 20262.94%▲ from 2.84%
  • Sep 14, 20262.84%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
3-year IRA Certificate - Peoples Preferred Club
$0
3.05% ▲ 0.74% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.74% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 2.79% → 3.05% ▲ 0.26 pts · high 3.05% / low 2.79%
2.29%2.92%3.55%Sep 21, 2026: 2.79% APYSep 25, 2026: 3.05% APYSep 21, 2026Oct 13, 2026
  • Sep 25, 20263.05%▲ from 2.79%
  • Sep 21, 20262.79%first recorded
Huntington FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
36 Month C.D.
$0
3.03% ▲ 0.72% above West Virginia avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.31%▲ 0.72% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.03% APY · checked 5 times
2.53%3.03%3.53%Sep 24, 2026: 3.03% APYSep 24, 2026Oct 13, 2026
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
36 Month Certificate of Deposit
$0
3.00% ▲ 0.69% above West Virginia avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.31%▲ 0.69% above avgNationally 2.81%
Details

Balance: Less than $100,000

Rate History
No change since Oct 7, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
36 Month Certificate
$0
3.00% ▲ 0.69% above West Virginia avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.69% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 5, 2026: 3.00% APYOct 5, 2026Oct 13, 2026
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional Roth IRA Certificate - 36 Months
$0
3.00% ▲ 0.69% above West Virginia avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.69% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
36 Month Certificate
$0
3.00% ▲ 0.69% above West Virginia avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.69% above avgNationally 2.81%
Details

Early Withdrawl Penalty: 180 Day

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Share Certificate - 36 MO
$0
3.00% ▲ 0.69% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.69% above avgNationally 2.81%
Details

Funds are disbursed to shares at maturity. $1,000.00 minimum balance and early withdrawal penalty may apply.

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
3 Year Jumbo IRA Certificates
$100,000
2.94% ▲ 0.63% above West Virginia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.63% above avgNationally 2.81%
Details

Balance: $100,000.00 - $149,999.99

Rate History
1 change since Sep 14, 2026 · 2.84% → 2.94% ▲ 0.10 pts · high 2.94% / low 2.84%
2.34%2.89%3.44%Sep 14, 2026: 2.84% APYSep 21, 2026: 2.94% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20262.94%▲ from 2.84%
  • Sep 14, 20262.84%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
3 Year Jumbo Share Certificates
$0
2.94% ▲ 0.63% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.63% above avgNationally 2.81%
Details

Balance: $100,000.00 - $149,999.99

Rate History
1 change since Sep 14, 2026 · 2.84% → 2.94% ▲ 0.10 pts · high 2.94% / low 2.84%
2.34%2.89%3.44%Sep 14, 2026: 2.84% APYSep 21, 2026: 2.94% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20262.94%▲ from 2.84%
  • Sep 14, 20262.84%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
3-year IRA Certificate
$0
2.94% ▲ 0.63% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.63% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.68% → 2.94% ▲ 0.26 pts · high 2.94% / low 2.68%
2.18%2.81%3.44%Sep 14, 2026: 2.68% APYSep 25, 2026: 2.94% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20262.94%▲ from 2.68%
  • Sep 14, 20262.68%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
3-year Share Certificate
$0
2.94% ▲ 0.63% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.63% above avgNationally 2.81%
Details

Peoples Preferred Club APY: 3.05%

Rate History
1 change since Sep 14, 2026 · 2.68% → 2.94% ▲ 0.26 pts · high 2.94% / low 2.68%
2.18%2.81%3.44%Sep 14, 2026: 2.68% APYSep 25, 2026: 2.94% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20262.94%▲ from 2.68%
  • Sep 14, 20262.68%first recorded
Davis Trust Company
Institution Rating:
A-4.7 ★Texas Ratio: 11.86%
36 Month Certificate
$0
2.88% ▲ 0.57% above West Virginia avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 0.57% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.88% APY · checked 7 times
2.38%2.88%3.38%Sep 14, 2026: 2.88% APYSep 14, 2026Oct 13, 2026
Union Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
36 Month Certificate
$500
2.79% ▲ 0.48% above West Virginia avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.31%▲ 0.48% above avgNationally 2.81%
Details

APY = Annual Percentage Yield. CD = With $100 in your share account. Early Withdrawal Penalties: 12 Month and Longer Certificate Penalty - 180 Days of Dividends

Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 6 times
2.29%2.79%3.29%Sep 14, 2026: 2.79% APYSep 14, 2026Oct 13, 2026

Bolivar 48 Month CD Rates

West Virginia 48 Month CD Average2.14% APYNational 2.80%▼ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.60% ▲ 2.46% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▲ 2.46% above avgNationally 2.80%
Details

Balance: $250,000.01+

Rate History
No change since Oct 5, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 5, 2026: 4.60% APYOct 5, 2026Oct 13, 2026
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Jumbo Certificate
$0
4.55% ▲ 2.41% above West Virginia avg
View
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 2.41% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 8, 2026: 4.55% APYOct 8, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.55% ▲ 2.41% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▲ 2.41% above avgNationally 2.80%
Details

Balance: $100,000-$250,000

Rate History
No change since Oct 5, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 5, 2026: 4.55% APYOct 5, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.50% ▲ 2.36% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▲ 2.36% above avgNationally 2.80%
Details

Balance: $10,000-$24,999

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 13, 2026
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Jumbo Certificate
$0
4.45% ▲ 2.31% above West Virginia avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 2.31% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 8, 2026: 4.45% APYOct 8, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.40% ▲ 2.26% above West Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▲ 2.26% above avgNationally 2.80%
Details

Balance: $1,000-$9,999

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificate
$0
4.35% ▲ 2.21% above West Virginia avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 2.21% above avgNationally 2.80%
Details

Rate History
1 change since Sep 25, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
3.75%4.30%4.85%Sep 25, 2026: 4.25% APYOct 4, 2026: 4.35% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.35%▲ from 4.25%
  • Sep 25, 20264.25%first recorded
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Jumbo Certificate - 48 month
$0
4.20% ▲ 2.06% above West Virginia avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 2.06% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 13, 2026
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Jumbo Certificate - 48 month
$0
4.10% ▲ 1.96% above West Virginia avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 1.96% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 12, 2026: 4.10% APYOct 12, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 48 Months
$500
4.06% ▲ 1.92% above West Virginia avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 1.92% above avgNationally 2.80%
Details

Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)

Rate History
No change since Oct 12, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 12, 2026: 4.06% APYOct 12, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 48 Months
$500
4.06% ▲ 1.92% above West Virginia avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 1.92% above avgNationally 2.80%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 12, 2026: 4.06% APYSep 12, 2026Oct 13, 2026
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
Traditional & Roth IRA Certificate - 48 month
$0
4.00% ▲ 1.86% above West Virginia avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 1.86% above avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 13, 2026
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
Traditional & Roth IRA Certificates - 48 month
$0
4.00% ▲ 1.86% above West Virginia avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 1.86% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
48 Month Share Certificates
$0
3.81% ▲ 1.67% above West Virginia avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▲ 1.67% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
48 Month Certificate
$0
3.65% ▲ 1.51% above West Virginia avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▲ 1.51% above avgNationally 2.80%
Details

Paid Monthly

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
48 Month IRA Share Certificate
$500
3.56% ▲ 1.42% above West Virginia avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 1.42% above avgNationally 2.80%
Details

IRA Share Certificate; Minimum $500

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.56% ▲ 0.36 pts · high 3.56% / low 3.20%
2.70%3.38%4.06%Sep 14, 2026: 3.20% APYOct 12, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.56%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
48 Month Share Certificate
$500
3.56% ▲ 1.42% above West Virginia avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 1.42% above avgNationally 2.80%
Details

Minimum $500

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.56% ▲ 0.36 pts · high 3.56% / low 3.20%
2.70%3.38%4.06%Sep 14, 2026: 3.20% APYOct 12, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.56%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
48 Month JUMBO CERTIFICATES
$0
3.55% ▲ 1.41% above West Virginia avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▲ 1.41% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
48 Month Share & IRA Certificate
$0
3.50% ▲ 1.36% above West Virginia avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▲ 1.36% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
48 Month IRA Certificate
$0
3.50% ▲ 1.36% above West Virginia avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.14%▲ 1.36% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
48 Month Share Certificates
$0
3.50% ▲ 1.36% above West Virginia avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.14%▲ 1.36% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
48 Month Certificate of Deposit
$0
3.30% ▲ 1.16% above West Virginia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▲ 1.16% above avgNationally 2.80%
Details

Balance: $50,000 and over

Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Share Certificate - 48 month
$100,000
3.21% ▲ 1.07% above West Virginia avg
View
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 1.07% above avgNationally 2.80%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 3.21% APY
2.71%3.21%3.71%Oct 12, 2026: 3.21% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Traditional and Roth IRA Certificate - 48 month
$100,000
3.21% ▲ 1.07% above West Virginia avg
View
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 1.07% above avgNationally 2.80%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates

Rate History
No change since Oct 12, 2026 · 3.21% APY
2.71%3.21%3.71%Oct 12, 2026: 3.21% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Share Certificate - 48 month
$500
3.11% ▲ 0.97% above West Virginia avg
View
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 0.97% above avgNationally 2.80%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase

Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
2.61%3.16%3.71%Sep 25, 2026: 3.21% APYOct 12, 2026: 3.11% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20263.11%▼ from 3.21%
  • Sep 25, 20263.21%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Traditional and Roth IRA Certificate - 48 month
$500
3.11% ▲ 0.97% above West Virginia avg
View
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 0.97% above avgNationally 2.80%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA

Rate History
No change since Oct 12, 2026 · 3.11% APY
2.61%3.11%3.61%Oct 12, 2026: 3.11% APYOct 12, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
48 Month Certificate of Deposit
$0
3.04% ▲ 0.90% above West Virginia avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▲ 0.90% above avgNationally 2.80%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 9, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Oct 9, 2026: 3.04% APYOct 9, 2026Oct 13, 2026
FNB Bank, Inc. Romney, WV
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 MONTH IRA
$250
3.00% ▲ 0.86% above West Virginia avg
View
▼
Rate2.96%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 0.86% above avgNationally 2.80%
Details

Fixed

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
48 Month Share Certificate
$0
3.00% ▲ 0.86% above West Virginia avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 0.86% above avgNationally 2.80%
Details

Balance: $500+; Minimum Deposit $500+

Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 12, 2026: 3.00% APYSep 12, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
48 Month Certificate of Deposit
$0
2.94% ▲ 0.80% above West Virginia avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▲ 0.80% above avgNationally 2.80%
Details

Balance: $500

Rate History
No change since Oct 9, 2026 · 2.94% APY · checked 3 times
2.44%2.94%3.44%Oct 9, 2026: 2.94% APYOct 9, 2026Oct 13, 2026
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
4 Year Fixed Rate CD
$500
2.85% ▲ 0.71% above West Virginia avg
View
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.14%▲ 0.71% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Oct 13, 2026
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
48 Month Certificate of Deposit
$0
2.85% ▲ 0.71% above West Virginia avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.14%▲ 0.71% above avgNationally 2.80%
Details

Balance: Greater than or equal to $100,000

Rate History
No change since Sep 11, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Sep 11, 2026: 2.85% APYSep 11, 2026Oct 13, 2026
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
48 Month Certificate of Deposit
$0
2.75% ▲ 0.61% above West Virginia avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.14%▲ 0.61% above avgNationally 2.80%
Details

Balance: Less than $100,000

Rate History
No change since Oct 7, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 7, 2026: 2.75% APYOct 7, 2026Oct 13, 2026
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
48 Month Certificate
$0
2.75% ▲ 0.61% above West Virginia avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▲ 0.61% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
48 Month CD
$0
2.53% ▲ 0.39% above West Virginia avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▲ 0.39% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
Community Bank (PA)
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
48 Month Certificate of Deposit
$500
2.50% ▲ 0.36% above West Virginia avg
View
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.14%▲ 0.36% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
48 Month Certificate
$0
2.50% ▲ 0.36% above West Virginia avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▲ 0.36% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 5, 2026: 2.50% APYOct 5, 2026Oct 13, 2026
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional Roth IRA Certificate - 48 Months
$0
2.50% ▲ 0.36% above West Virginia avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▲ 0.36% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Element Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
4 year CD
$100
2.50% ▲ 0.36% above West Virginia avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▲ 0.36% above avgNationally 2.80%
Details

Insured up to $250,000

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Willow Island Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
CDs to Minors - 48 Months
$500
2.48% ▲ 0.34% above West Virginia avg
View
▼
Rate2.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 0.34% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 2.48% APY
1.98%2.48%2.98%Oct 12, 2026: 2.48% APYOct 12, 2026Oct 13, 2026
Capon Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.21%
48 Month CD
$500
2.37% ▲ 0.23% above West Virginia avg
View
▼
Rate2.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 0.23% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 1.87% → 2.37% ▲ 0.50 pts · high 2.37% / low 1.87%
1.37%2.12%2.87%Sep 14, 2026: 1.87% APYSep 24, 2026: 2.37% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20262.37%▲ from 1.87%
  • Sep 14, 20261.87%first recorded
Metro Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
48 Month CD
$0
2.12% ▼ 0.02% below West Virginia avg
View
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▼ 0.02% below avgNationally 2.80%
Details

Minimum balance of $5,000 required on all Certificates

Rate History
No change since Oct 12, 2026 · 2.12% APY
1.62%2.12%2.62%Oct 12, 2026: 2.12% APYOct 12, 2026Oct 13, 2026
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$0
2.02% ▼ 0.12% below West Virginia avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.14%▼ 0.12% below avgNationally 2.80%
Details

Rate History
No change since Sep 7, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 7, 2026: 2.02% APYSep 7, 2026Oct 13, 2026
Huntington FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
48 Month C.D.
$0
2.02% ▼ 0.12% below West Virginia avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.14%▼ 0.12% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 2.02% APY · checked 5 times
1.52%2.02%2.52%Sep 24, 2026: 2.02% APYSep 24, 2026Oct 13, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
4 Year CD
$500
1.90% ▼ 0.24% below West Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.14%▼ 0.24% below avgNationally 2.80%
Details

Rate History
No change since Sep 9, 2026 · 1.90% APY · checked 3 times
1.40%1.90%2.40%Sep 9, 2026: 1.90% APYSep 9, 2026Oct 13, 2026
Cape Federal Credit Union
Institution Rating:
B4.1 ★Texas Ratio: 7.27%
48 Month Share Certificate
$0
1.50% ▼ 0.64% below West Virginia avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▼ 0.64% below avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 5, 2026: 1.50% APYOct 5, 2026Oct 13, 2026
First Mutual Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
48-Month CD
$500
1.45% ▼ 0.69% below West Virginia avg
View
▼
Rate1.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▼ 0.69% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.45% APY · checked 6 times
0.95%1.45%1.95%Sep 14, 2026: 1.45% APYSep 14, 2026Oct 13, 2026
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4 Year CD
$0
1.40% ▼ 0.74% below West Virginia avg
View
▼
Rate1.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.14%▼ 0.74% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 1.40% APY · checked 3 times
0.90%1.40%1.90%Oct 7, 2026: 1.40% APYOct 7, 2026Oct 13, 2026
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4 YEAR IRA / ROTH
$0
1.40% ▼ 0.74% below West Virginia avg
View
▼
Rate1.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.14%▼ 0.74% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 1.40% APY · checked 7 times
0.90%1.40%1.90%Sep 18, 2026: 1.40% APYSep 18, 2026Oct 13, 2026
Lb&t
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
48 MONTH CD & CD IRA
$500
1.36% ▼ 0.78% below West Virginia avg
View
▼
Rate1.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.14%▼ 0.78% below avgNationally 2.80%
Details

Early Withdrawal: 3 MO INTEREST

Rate History
No change since Sep 24, 2026 · 1.36% APY · checked 5 times
0.86%1.36%1.86%Sep 24, 2026: 1.36% APYSep 24, 2026Oct 13, 2026

Bolivar 60 Month CD Rates

West Virginia 60 Month CD Average2.36% APYNational 2.90%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Sentinel Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
60-Month CD/IRA
$500
4.22% ▲ 1.86% above West Virginia avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 1.86% above avgNationally 2.90%
Details

Rate History
No change since Sep 30, 2026 · 4.22% APY · checked 4 times
3.72%4.22%4.72%Sep 30, 2026: 4.22% APYSep 30, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 60 Months
$500
4.06% ▲ 1.70% above West Virginia avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 1.70% above avgNationally 2.90%
Details

Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)

Rate History
No change since Oct 12, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 12, 2026: 4.06% APYOct 12, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 60 Months
$500
4.06% ▲ 1.70% above West Virginia avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 1.70% above avgNationally 2.90%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 12, 2026: 4.06% APYSep 12, 2026Oct 13, 2026
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
60 Month IRA Share Certificate
$500
3.82% ▲ 1.46% above West Virginia avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 1.46% above avgNationally 2.90%
Details

IRA Share Certificate; Minimum $500

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 14, 2026: 3.30% APYOct 12, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.82%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
60 Month Share Certificate
$500
3.82% ▲ 1.46% above West Virginia avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 1.46% above avgNationally 2.90%
Details

Minimum $500

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 14, 2026: 3.30% APYOct 12, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.82%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
60 Month Certificate of Deposit
$0
3.82% ▲ 1.46% above West Virginia avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.36%▲ 1.46% above avgNationally 2.90%
Details

Balance: $50,000 and over

Rate History
No change since Oct 9, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 9, 2026: 3.82% APYOct 9, 2026Oct 13, 2026
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
60 Month Share Certificates
$0
3.81% ▲ 1.45% above West Virginia avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.36%▲ 1.45% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
60 Month Certificate
$0
3.70% ▲ 1.34% above West Virginia avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.36%▲ 1.34% above avgNationally 2.90%
Details

Paid Monthly

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
The Bank of Romney
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
60 Months Certificate
$1,000
3.56% ▲ 1.20% above West Virginia avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.36%▲ 1.20% above avgNationally 2.90%
Details

Daily Min. $1,000.00 (Penalty 180 Days)

Rate History
No change since Oct 7, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 7, 2026: 3.56% APYOct 7, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
60 Month Certificate of Deposit
$0
3.56% ▲ 1.20% above West Virginia avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.36%▲ 1.20% above avgNationally 2.90%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 9, 2026: 3.56% APYOct 9, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
60 Month JUMBO CERTIFICATES
$0
3.55% ▲ 1.19% above West Virginia avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.36%▲ 1.19% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
60 Month Share & IRA Certificate
$0
3.50% ▲ 1.14% above West Virginia avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.36%▲ 1.14% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
60 Month IRA Certificate
$0
3.50% ▲ 1.14% above West Virginia avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.36%▲ 1.14% above avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
60 Month Share Certificates
$0
3.50% ▲ 1.14% above West Virginia avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.36%▲ 1.14% above avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
60 Month Certificate of Deposit
$0
3.45% ▲ 1.09% above West Virginia avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.36%▲ 1.09% above avgNationally 2.90%
Details

Balance: $500

Rate History
No change since Oct 9, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Oct 9, 2026: 3.45% APYOct 9, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Share Certificate - 60 month
$100,000
3.21% ▲ 0.85% above West Virginia avg
View
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.85% above avgNationally 2.90%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 3.21% APY
2.71%3.21%3.71%Oct 12, 2026: 3.21% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Traditional and Roth IRA Certificate - 60 month
$100,000
3.21% ▲ 0.85% above West Virginia avg
View
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.85% above avgNationally 2.90%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates

Rate History
No change since Oct 12, 2026 · 3.21% APY
2.71%3.21%3.71%Oct 12, 2026: 3.21% APYOct 12, 2026Oct 13, 2026
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Jumbo Certificate
$0
3.20% ▲ 0.84% above West Virginia avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.84% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 8, 2026: 3.20% APYOct 8, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Share Certificate - 60 month
$500
3.11% ▲ 0.75% above West Virginia avg
View
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.75% above avgNationally 2.90%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase

Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
2.61%3.16%3.71%Sep 25, 2026: 3.21% APYOct 12, 2026: 3.11% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20263.11%▼ from 3.21%
  • Sep 25, 20263.21%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Traditional and Roth IRA Certificate - 60 month
$500
3.11% ▲ 0.75% above West Virginia avg
View
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.75% above avgNationally 2.90%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA

Rate History
No change since Oct 12, 2026 · 3.11% APY
2.61%3.11%3.61%Oct 12, 2026: 3.11% APYOct 12, 2026Oct 13, 2026
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
60 Month Certificate of Deposit
$0
3.10% ▲ 0.74% above West Virginia avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.36%▲ 0.74% above avgNationally 2.90%
Details

Balance: Greater than or equal to $100,000

Rate History
No change since Sep 11, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Sep 11, 2026: 3.10% APYSep 11, 2026Oct 13, 2026
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Jumbo Certificate
$0
3.10% ▲ 0.74% above West Virginia avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.74% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 8, 2026: 3.10% APYOct 8, 2026Oct 13, 2026
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
60 Month Certificate of Deposit
$0
3.00% ▲ 0.64% above West Virginia avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.36%▲ 0.64% above avgNationally 2.90%
Details

Balance: Less than $100,000

Rate History
No change since Oct 7, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificate
$0
3.00% ▲ 0.64% above West Virginia avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.64% above avgNationally 2.90%
Details

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
60 Month Share Certificate
$0
3.00% ▲ 0.64% above West Virginia avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.64% above avgNationally 2.90%
Details

Balance: $500+; Minimum Deposit $500+

Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 12, 2026: 3.00% APYSep 12, 2026Oct 13, 2026
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
60 Month Certificate
$0
3.00% ▲ 0.64% above West Virginia avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.36%▲ 0.64% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
5 Year Fixed Rate CD
$500
2.95% ▲ 0.59% above West Virginia avg
View
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.36%▲ 0.59% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 6 times
2.45%2.95%3.45%Sep 18, 2026: 2.95% APYSep 18, 2026Oct 13, 2026
Davis Trust Company
Institution Rating:
A-4.7 ★Texas Ratio: 11.86%
60 Month Certificate
$0
2.93% ▲ 0.57% above West Virginia avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.57% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.93% APY · checked 7 times
2.43%2.93%3.43%Sep 14, 2026: 2.93% APYSep 14, 2026Oct 13, 2026
Community Bank (PA)
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
60 Month Certificate of Deposit
$500
2.50% ▲ 0.14% above West Virginia avg
View
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.36%▲ 0.14% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
60 Month Certificate
$0
2.50% ▲ 0.14% above West Virginia avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.36%▲ 0.14% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 5, 2026: 2.50% APYOct 5, 2026Oct 13, 2026
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional Roth IRA Certificate - 60 Months
$0
2.50% ▲ 0.14% above West Virginia avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.36%▲ 0.14% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Element Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5 year CD
$100
2.50% ▲ 0.14% above West Virginia avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.36%▲ 0.14% above avgNationally 2.90%
Details

Insured up to $250,000

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Capon Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.21%
60 Month CD
$500
2.47% ▲ 0.11% above West Virginia avg
View
▼
Rate2.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.11% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.02% → 2.47% ▲ 0.45 pts · high 2.47% / low 2.02%
1.52%2.25%2.97%Sep 14, 2026: 2.02% APYSep 24, 2026: 2.47% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20262.47%▲ from 2.02%
  • Sep 14, 20262.02%first recorded
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
60 Month CD
$0
2.27% ▼ 0.09% below West Virginia avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.36%▼ 0.09% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 6 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 13, 2026
Alloy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
60 Month IRA Share Certificate
$0
2.25% ▼ 0.11% below West Virginia avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.36%▼ 0.11% below avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 5, 2026: 2.25% APYOct 5, 2026Oct 13, 2026
Alloy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
Share Certificate 60 Months
$0
2.25% ▼ 0.11% below West Virginia avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.36%▼ 0.11% below avgNationally 2.90%
Details

Substantial penalty for early withdrawal. All APY's based on interest compunded quarterly.

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$0
2.02% ▼ 0.34% below West Virginia avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.36%▼ 0.34% below avgNationally 2.90%
Details

Rate History
No change since Sep 7, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 7, 2026: 2.02% APYSep 7, 2026Oct 13, 2026
Huntington FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
60 Month C.D.
$0
2.02% ▼ 0.34% below West Virginia avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.36%▼ 0.34% below avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 2.02% APY · checked 5 times
1.52%2.02%2.52%Sep 24, 2026: 2.02% APYSep 24, 2026Oct 13, 2026
Metro Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
60 Month CD
$0
2.02% ▼ 0.34% below West Virginia avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▼ 0.34% below avgNationally 2.90%
Details

Minimum balance of $5,000 required on all Certificates

Rate History
No change since Oct 12, 2026 · 2.02% APY
1.52%2.02%2.52%Oct 12, 2026: 2.02% APYOct 12, 2026Oct 13, 2026
Home National Bank Racine, OH
Institution Rating:
A-4.9 ★Texas Ratio: 16.14%
60 Month Certificate of Deposit (CD)
$0
1.92% ▼ 0.44% below West Virginia avg
View
▼
Rate1.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.36%▼ 0.44% below avgNationally 2.90%
Details

Rate History
1 change since Sep 19, 2026 · 1.85% → 1.92% ▲ 0.07 pts · high 1.92% / low 1.85%
1.35%1.89%2.42%Sep 19, 2026: 1.85% APYOct 7, 2026: 1.92% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20261.92%▲ from 1.85%
  • Sep 19, 20261.85%first recorded
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
5 Year CD
$500
1.90% ▼ 0.46% below West Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.36%▼ 0.46% below avgNationally 2.90%
Details

Rate History
No change since Sep 9, 2026 · 1.90% APY · checked 3 times
1.40%1.90%2.40%Sep 9, 2026: 1.90% APYSep 9, 2026Oct 13, 2026
Home National Bank Racine, OH
Institution Rating:
A-4.9 ★Texas Ratio: 16.14%
60 Month Certificate
$0
1.85% ▼ 0.51% below West Virginia avg
View
▼
Rate1.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.36%▼ 0.51% below avgNationally 2.90%
Details

Rate History
No change since Sep 11, 2026 · 1.85% APY · checked 3 times
1.35%1.85%2.35%Sep 11, 2026: 1.85% APYSep 11, 2026Oct 13, 2026
First Mutual Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
60-Month CD
$500
1.56% ▼ 0.80% below West Virginia avg
View
▼
Rate1.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▼ 0.80% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 1.56% APY · checked 6 times
1.06%1.56%2.06%Sep 14, 2026: 1.56% APYSep 14, 2026Oct 13, 2026
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
5 Year CD
$0
1.50% ▼ 0.86% below West Virginia avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.36%▼ 0.86% below avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
5 YEAR IRA / ROTH
$0
1.50% ▼ 0.86% below West Virginia avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.36%▼ 0.86% below avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 13, 2026
CNB Bank Berkeley Springs, WV
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
60 Month Certificate
$0
1.50% ▼ 0.86% below West Virginia avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.36%▼ 0.86% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
Lb&t
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
60 MONTH CD & CD IRA
$500
1.36% ▼ 1.00% below West Virginia avg
View
▼
Rate1.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.36%▼ 1.00% below avgNationally 2.90%
Details

Early Withdrawal: 3 MO INTEREST

Rate History
No change since Sep 24, 2026 · 1.36% APY · checked 5 times
0.86%1.36%1.86%Sep 24, 2026: 1.36% APYSep 24, 2026Oct 13, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
5 Year CD
$500
1.25% ▼ 1.11% below West Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.36%▼ 1.11% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 13, 2026
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
60 Month Certificate
$500
1.06% ▼ 1.30% below West Virginia avg
View
▼
Rate1.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▼ 1.30% below avgNationally 2.90%
Details

EARLY WITHDRAWAL PENALTY: 180 days dividend penalty

Rate History
No change since Sep 25, 2026 · 1.06% APY · checked 4 times
0.56%1.06%1.56%Sep 25, 2026: 1.06% APYSep 25, 2026Oct 13, 2026
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
60 Month Certificate
$0
1.00% ▼ 1.36% below West Virginia avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.36%▼ 1.36% below avgNationally 2.90%
Details

Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 11, 2026: 1.00% APYSep 11, 2026Oct 13, 2026
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.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Bolivar, West Virginia Institutions

Highest verified APYs available today, updated October 12, 2026

B Top 5 Bank Rates
SFGI Direct
18-Month CD
A 5.0 ★ TX: 7.39%
Min: $1,000
4.40%
Ohio Valley Bank Co.
12 thru 18 Month Certificate of Deposit
A 5.0 ★ TX: 10.78%
Min: $5,000
4.25%
First Sentinel Bank
60-Month CD/IRA
A+ 5.0 ★ TX: 0.93%
Min: $500
4.22%
Huntington FSB
12 Month C.D.
A+ 5.0 ★ TX: 1.27%
Min: $0
4.06%
First Exchange Bank
24 Month CD
B 4.6 ★ TX: 19.90%
Min: $10,000
4.05%
CU Top 5 Credit Union Rates
Universal Federal Credit Union
12 Month Share Certificate / IRA Certificate
A+ 5.0 ★ TX: 0.91%
Min: $0
5.09%
Patriot Federal Credit Union
48 Month Share Certificate
A+ 5.0 ★ TX: 1.50%
Min: $0
4.60%
Fairmont Federal Credit Union
48 Month Jumbo Certificate
A+ 5.0 ★ TX: 4.42%
Min: $0
4.55%
Charleston Federal Credit Union
12 Month CD SPECIAL
A+ 5.0 ★ TX: 2.93%
Min: $0
4.33%
WEPCO Federal Credit Union
IRA Share Certificate - 24 Months
A+ 5.0 ★ TX: 3.89%
Min: $500
4.06%
Rates verified October 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Bolivar, WV CD Rate Trends

Compare local Bolivar, WV 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.

View Full West Virginia CD Trends
12-Month CD WV Avg
2.628%
▼ 0.046 vs 7 days ago

West Virginia 12-month CD rates fell 0.046 points over the past 7 days to 2.628% APY.

6-Month CD WV Avg
2.171%
▼ 0.041 vs 7 days ago

West Virginia 6-month CD rates fell 0.041 points over the past 7 days to 2.171% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

WV CD Rate Forecast, Next 12 Months

Where are West Virginia CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

WV 12-Month Avg APY
2.628%
6-Month Forecast
2.628%
Range: 2.43%, 2.78%
12-Month Forecast
2.878%
Range: 2.68%, 3.03%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the West Virginia average 12-month CD APY in our database.

Spread model: The West Virginia 12-month CD average currently trades 1.75% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 1.398% $69.90 $139.81 $349.53 $699.05
6-Month CD 2.171% $108.54 $217.08 $542.70 $1,085.40
12-Month CD 2.628% $131.39 $262.78 $656.95 $1,313.90
18-Month CD 2.385% $119.23 $238.46 $596.15 $1,192.30
24-Month CD 2.477% $123.85 $247.70 $619.25 $1,238.50
36-Month CD 2.307% $115.34 $230.67 $576.68 $1,153.35
48-Month CD 2.138% $106.89 $213.77 $534.43 $1,068.85
60-Month CD 2.355% $117.77 $235.54 $588.85 $1,177.70
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 12, 2026.
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Sample CD Ladder for Bolivar, 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.

Build Your Ladder
Rung Term Deposit WV Avg APY Annual Earnings
1 3-Month CD $5,000 1.398% $69.90
2 6-Month CD $5,000 2.171% $108.54
3 12-Month CD $5,000 2.628% $131.39
4 24-Month CD $5,000 2.477% $123.85
5 36-Month CD $5,000 2.307% $115.34
Total ($25,000 invested) $25,000 2.196% blended $549.02/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.

Powered byMonitorBankRates
514
CD Rates
Tracked in Bolivar, West Virginia
31 Banks 33 Credit Unions

About Our Bolivar, West Virginia CD Rate Database

MonitorBankRates tracks 514 CD rates from 31 banks and 33 credit unions with locations in Bolivar, 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 to 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: Universal Federal Credit Union offers a CD at 5.09% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Bolivar, West Virginia.

How to Find the Best CD Rates in Bolivar, West Virginia

What to compare when shopping for a CD in Bolivar, West Virginia

To find the best APYs in Bolivar, West Virginia, start with credit unions and online-only banks: Bolivar, West Virginia has 33 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 Bolivar, 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 Bolivar, West Virginia: 64 institutions here report CD rates

Consider an Alternative If…

Bolivar, West Virginia Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
12.9%
National avg: 17.3%
Median Individual Earnings
$43,621
National avg: $47,340
Poverty Rate
10.5%
National avg: 11.1%
Unemployment Rate
5.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$115/yr
At WV 12-mo avg 2.628% APY

12.9% of residents are 65 or older, below the national average of 17.3%. At today’s WV 12-month CD average of 2.628%, saving 10% of the local median salary ($4,362/year) and putting it in a CD would earn an additional $115 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 Bolivar, 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 to 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

How Certificates of Deposit Work in Bolivar, West Virginia

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Bolivar, West Virginia typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Bolivar, West Virginia as everywhere in the U.S.

Choosing a CD Term in Bolivar, West Virginia

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Bolivar, West Virginia savers easier access to their funds. For example, SFGI Direct is offering its 6-Month CD at 4.20% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, First Sentinel Bank is offering its 60-Month CD/IRA at 4.22% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Bolivar, West Virginia Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Bolivar, West Virginia saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Bolivar, West Virginia

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Bolivar, West Virginia CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Bolivar, West Virginia

Most CDs carry a fixed rate that is locked for the entire term, protecting a Bolivar, West Virginia depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Bolivar, West Virginia

Are CD rates in Bolivar, West Virginia FDIC insured?

Yes, most established banks in Bolivar, 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 Bolivar, 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 Bolivar, 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 Bolivar, 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 Bolivar, West Virginia?

Here are recent top rates found for this area:
  • Universal Federal Credit Union: 5.09% APY (12 Month Share Certificate / IRA Certificate)
  • Patriot Federal Credit Union: 4.60% APY (48 Month Share Certificate)
  • Fairmont Federal Credit Union: 4.55% APY (48 Month Jumbo Certificate)
  • SFGI Direct: 4.40% APY (18-Month CD)
  • Charleston Federal Credit Union: 4.33% APY (12 Month CD SPECIAL)
  • Ohio Valley Bank Co.: 4.25% APY (12 thru 18 Month Certificate of Deposit)
  • First Sentinel Bank: 4.22% APY (60-Month CD/IRA)
  • Huntington FSB: 4.06% APY (12 Month C.D.)
  • WEPCO Federal Credit Union: 4.06% APY (IRA Share Certificate - 24 Months)
  • First Exchange Bank: 4.05% APY (24 Month CD)
Rates reflect recent verified offers available in Bolivar, West Virginia. Last Updated: October 12, 2026

Bolivar, West Virginia CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Bolivar, West Virginia rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Bolivar, West Virginia CD Rates by Term

Verified October 12, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Bolivar, West Virginia. Averages shown use the West Virginia state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Bolivar, West Virginia

Bolivar, West Virginia CD Calculator

At today’s WV top rate of 5.09% APY, a $10,000 deposit earns $509 in the first year. Enter your amount to see your exact return.

Bolivar, West Virginia CD Ladder

WV CD rates currently range from 1.398% (3-month) to 2.307% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Bolivar, West Virginia CD at 5.09% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

West Virginia’s average 12-month CD is 2.628% 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

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bolivar, West Virginia CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Bolivar, 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 sourcing data 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 Bolivar, 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: October 12, 2026

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