Junction, West Virginia Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio
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.
Junction, West Virginia CD rates from banks and credit unions serving West Virginia range from 0.01% to 4.60% APY, verified by MonitorBankRates as of October 23, 2026. Current Junction, West Virginia CD rates include Patriot Federal Credit UnionPatriot Federal Credit UnionA+5.0 ★Texas Ratio: 1.50%Real return: +0.90%APY minus CPIRate verified Oct 23, 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: +0.85%APY minus CPIRate verified Oct 23, 2026 offering 48 Month Jumbo Certificate at 4.55% APY, SFGI DirectSFGI DirectA5.0 ★Texas Ratio: 7.39%Real return: +0.70%APY minus CPIRate verified Oct 22, 2026 offering 18-Month CD at 4.40% APY, Hope Federal Credit UnionHope Federal Credit UnionA+5.0 ★Texas Ratio: 0.85%Real return: +0.65%APY minus CPIRate verified Oct 23, 2026 offering Share Certificate - 24 Months at 4.35% APY, and Charleston Federal Credit UnionCharleston Federal Credit UnionA+5.0 ★Texas Ratio: 2.93%Real return: +0.63%APY minus CPIRate verified Oct 23, 2026 offering 12 Month CD Special at 4.33% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Junction is a smaller community with no bank or credit union branches currently in our database. 645 institutions serving the West Virginia area are available to Junction residents, with CD rates as high as 4.60% APY from Patriot 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 23, 2026
Compare Best CD Rates in Junction, West Virginia & the Surrounding Area
Junction 3 Month CD Rates
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%
▲ 2.45% above West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average1.30%▲ 2.45% above avgNationally 2.13%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
- 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%
▲ 2.41% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average1.30%▲ 2.41% above avgNationally 2.13%
Details
Competitive interest rate, compounded and credited monthly; Monthly interest distribution available; APYs accurate as of 10/01/26; Early withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.71% ▲ 0.10 pts · high 3.71% / low 3.61%
- Oct 3, 20263.71%▲ from 3.61%
- Sep 14, 20263.61%first recorded
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
3 Month Certificate
$1,000
3.30%
▲ 2.00% above West Virginia avg
▼
Rate3.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average1.30%▲ 2.00% above avgNationally 2.13%
Details
Rate History
No change since Oct 5, 2026 · 3.30% APY · checked 3 times
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate 3 Month
$0
3.24%
▲ 1.94% above West Virginia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average1.30%▲ 1.94% above avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 3.24% APY · checked 2 times
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
90 Day Fixed Rate CD
$500
2.70%
▲ 1.40% above West Virginia avg
▼
Rate2.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average1.30%▲ 1.40% above avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 8 times
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3 Month Share Certificate
$0
2.22%
▲ 0.92% above West Virginia avg
▼
Rate2.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average1.30%▲ 0.92% above avgNationally 2.13%
Details
Rate History
No change since Oct 13, 2026 · 2.22% APY · checked 3 times
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3 Month Share Certificate
$0
2.07%
▲ 0.77% above West Virginia avg
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average1.30%▲ 0.77% above avgNationally 2.13%
Details
Rate History
No change since Oct 13, 2026 · 2.07% APY · checked 3 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month Certificate of Deposit
$500
2.00%
▲ 0.70% above West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
West Virginia Average1.30%▲ 0.70% above avgNationally 2.13%
Details
APY calculated on monthly compounding assuming interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.70%
▲ 0.40% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average1.30%▲ 0.40% above avgNationally 2.13%
Details
Balance: $250,000.01+; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026
Rate History
No change since Oct 5, 2026 · 1.70% APY · checked 5 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.65%
▲ 0.35% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average1.30%▲ 0.35% above avgNationally 2.13%
Details
Balance: $100,000-$250,000; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026
Rate History
No change since Oct 5, 2026 · 1.65% APY · checked 5 times
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
3 Month Share Certificate
$1,000
1.63%
▲ 0.33% above West Virginia avg
▼
Rate1.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
West Virginia Average1.30%▲ 0.33% above avgNationally 2.13%
Details
Dividends paid monthly; $1000.00 minimum; also available as IRA Certificate (Educational IRAs minimum $500.00)
Rate History
No change since Oct 9, 2026 · 1.63% APY · checked 4 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.60%
▲ 0.30% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average1.30%▲ 0.30% above avgNationally 2.13%
Details
Balance: $10,000-$24,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026
Rate History
No change since Oct 5, 2026 · 1.60% APY · checked 5 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.50%
▲ 0.20% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average1.30%▲ 0.20% above avgNationally 2.13%
Details
Balance: $1,000-$9,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026
Rate History
No change since Oct 5, 2026 · 1.50% APY · checked 5 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
3 Month Jumbo Share Certificate
$100,000
1.12%
▼ 0.18% below West Virginia avg
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average1.30%▼ 0.18% below avgNationally 2.13%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 1.12% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
3 Month Share Certificate
$500
1.02%
▼ 0.28% below West Virginia avg
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average1.30%▼ 0.28% below avgNationally 2.13%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 1.12% → 1.02% ▼ 0.10 pts · high 1.12% / low 1.02%
- Oct 15, 20261.02%▼ from 1.12%
- Sep 25, 20261.12%first recorded
Community Bank (PA)
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Certificate of Deposit - 3 Months
$500
1.00%
▼ 0.30% below West Virginia avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
West Virginia Average1.30%▼ 0.30% below avgNationally 2.13%
Details
Stated APY as of July 29, 2026; early withdrawal penalties apply
Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
Jefferson Security Bank
Institution Rating:
A+4.9 ★Texas Ratio: 0.10%
Business Certificate of Deposit - 3 Months
$500
1.00%
▼ 0.30% below West Virginia avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average1.30%▼ 0.30% below avgNationally 2.13%
Details
Interest rate fixed for specified term; penalty for early withdrawal
Rate History
No change since Oct 22, 2026 · 1.00% APY · checked 2 times
Capon Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.21%
3 Month CD
$500
0.85%
▼ 0.45% below West Virginia avg
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average1.30%▼ 0.45% below avgNationally 2.13%
Details
Balance to achieve stated APY: $500.00; Quarterly compounding; A penalty may be imposed for withdrawal before maturity; Rates effective as of September 18, 2026
Rate History
1 change since Sep 14, 2026 · 0.55% → 0.85% ▲ 0.30 pts · high 0.85% / low 0.55%
- 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
$0
0.75%
▼ 0.55% below West Virginia avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average1.30%▼ 0.55% below avgNationally 2.13%
Details
Open Online
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 8 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month Standard Rate CDs
$500
0.50%
▼ 0.80% below West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average1.30%▼ 0.80% below avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 7 times
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
Certificate of Deposit - 3 Month CD
$0
0.50%
▼ 0.80% below West Virginia avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
West Virginia Average1.30%▼ 0.80% below avgNationally 2.13%
Details
All certificates automatically renewable; APY assumes interest remains on deposit until maturity; early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 3 times
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Certificate of Deposit - 3 Months
$0
0.40%
▼ 0.90% below West Virginia avg
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average1.30%▼ 0.90% below avgNationally 2.13%
Details
Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 8 times
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Certificate of Deposits - 3 Months
$0
0.40%
▼ 0.90% below West Virginia avg
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average1.30%▼ 0.90% below avgNationally 2.13%
Details
Balance: $2,500.00 minimum
Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 8 times
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
3 Month Certificate of Deposit
$500
0.20%
▼ 1.10% below West Virginia avg
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average1.30%▼ 1.10% below avgNationally 2.13%
Details
Compounding: At Maturity
Rate History
No change since Oct 14, 2026 · 0.20% APY · checked 3 times
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
7 - 90 Day Certificate of Deposit
$500
0.20%
▼ 1.10% below West Virginia avg
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average1.30%▼ 1.10% below avgNationally 2.13%
Details
Compounding: At Maturity
Rate History
No change since Oct 14, 2026 · 0.20% APY · checked 3 times
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Certificate of Deposit - 3 Months
$500
0.20%
▼ 1.10% below West Virginia avg
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average1.30%▼ 1.10% below avgNationally 2.13%
Details
Compounding: At Maturity
Rate History
No change since Oct 22, 2026 · 0.20% APY · checked 2 times
Pioneer Appalachia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
3 Month Share Certificate
$0
0.10%
▼ 1.20% below West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average1.30%▼ 1.20% below avgNationally 2.13%
Details
Jumbo Plus APY tier: $250,000+; PFI members only
Rate History
No change since Oct 8, 2026 · 0.10% APY · checked 3 times
Pioneer Appalachia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
3 Month Share Certificate
$0
0.07%
▼ 1.23% below West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average1.30%▼ 1.23% below avgNationally 2.13%
Details
Jumbo APY tier: $100,000 - $249,999.99; PFI members only
Rate History
No change since Oct 8, 2026 · 0.07% APY · checked 3 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 1.25% below West Virginia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average1.30%▼ 1.25% below avgNationally 2.13%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
Pioneer Appalachia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
3 Month Share Certificate
$0
0.05%
▼ 1.25% below West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average1.30%▼ 1.25% below avgNationally 2.13%
Details
Standard APY tier: $500 - $99,999.99; available to all members
Rate History
No change since Oct 8, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 3 Months
$1,000
0.03%
▼ 1.27% below West Virginia avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
West Virginia Average1.30%▼ 1.27% below avgNationally 2.13%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 3 Months
$1,000
0.02%
▼ 1.28% below West Virginia avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
West Virginia Average1.30%▼ 1.28% below avgNationally 2.13%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 3 Months
$1,000
0.01%
▼ 1.29% below West Virginia avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
West Virginia Average1.30%▼ 1.29% below avgNationally 2.13%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
Junction 6 Month CD Rates
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%
▲ 1.96% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.24%▲ 1.96% above avgNationally 2.78%
Details
APY available on a new CD opened with a minimum of $1,000.00; no additional deposits during the term; early withdrawal penalty may apply; APY accurate as of October 22nd, 2026
Rate History
1 change since Sep 28, 2026 · 4.09% → 4.20% ▲ 0.11 pts · high 4.20% / low 4.09%
- 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%
6 Month Share Certificate
$0
4.00%
▲ 1.76% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
West Virginia Average2.24%▲ 1.76% above avgNationally 2.78%
Details
Share Certificate Rates; $1,000.00 minimum balance; early withdrawal penalty may apply; funds disbursed to shares at maturity
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
The Citizens Bank of Weston
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
6 Month CD/IRA (Promo)
$500
3.80%
▲ 1.56% above West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.24%▲ 1.56% above avgNationally 2.78%
Details
Online Account Opening
Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term CD
$1,000
3.75%
▲ 1.51% above West Virginia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
West Virginia Average2.24%▲ 1.51% above avgNationally 2.78%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month
$1,000
3.75%
▲ 1.51% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
West Virginia Average2.24%▲ 1.51% above avgNationally 2.78%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 3.75% APY
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
6 Month Certificate of Deposit
$0
3.65%
▲ 1.41% above West Virginia avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.24%▲ 1.41% 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 3 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
6 Month Share Certificate
$2,500
3.56%
▲ 1.32% above West Virginia avg
▼
Rate3.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 1.32% above avgNationally 2.78%
Details
Add .10% to the rate for $50,000 to $74,999.99; Add .20% to the rate for $75,000 and over; Certificates must be at least $2,500 to qualify for monthly dividend payments
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30%
- Sep 17, 20263.56%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
6 Month Certificate of Deposit
$0
3.55%
▲ 1.31% above West Virginia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.24%▲ 1.31% above avgNationally 2.78%
Details
Balance: Less than $100,000
Rate History
No change since Sep 11, 2026 · 3.55% APY · checked 7 times
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
6 Month Share Certificate
$500
3.55%
▲ 1.31% above West Virginia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 1.31% above avgNationally 2.78%
Details
Existing Share Certificate renewals only; not accepting new Share Certificates
Rate History
No change since Oct 22, 2026 · 3.55% APY · checked 2 times
Preston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Time Share Certificate - 6 Month CD Special
$0
3.55%
▲ 1.31% above West Virginia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 1.31% above avgNationally 2.78%
Details
Rate History
No change since Oct 22, 2026 · 3.55% APY · checked 2 times
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate - 6 Month
$0
3.45%
▲ 1.21% above West Virginia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 1.21% above avgNationally 2.78%
Details
Paid Monthly
Rate History
No change since Oct 15, 2026 · 3.45% APY · checked 2 times
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Variable Rate IRA 6 Month
$0
3.34%
▲ 1.10% above West Virginia avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.24%▲ 1.10% above avgNationally 2.78%
Details
Individual Retirement Account; rate and APY may change after account is opened
Rate History
1 change since Sep 24, 2026 · 3.24% → 3.34% ▲ 0.10 pts · high 3.34% / low 3.24%
- Oct 20, 20263.34%▲ from 3.24%
- Sep 24, 20263.24%first recorded
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
6 Month Certificate
$1,000
3.30%
▲ 1.06% above West Virginia avg
▼
Rate3.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 1.06% above avgNationally 2.78%
Details
Dividends pay at maturity
Rate History
No change since Oct 5, 2026 · 3.30% APY · checked 3 times
Jefferson Security Bank
Institution Rating:
A+4.9 ★Texas Ratio: 0.10%
Business Certificate of Deposit - 6 Months
$500
3.29%
▲ 1.05% above West Virginia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.24%▲ 1.05% above avgNationally 2.78%
Details
Interest rate fixed for specified term; penalty for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.29% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
6 Month Jumbo Share Certificate
$100,000
3.16%
▲ 0.92% above West Virginia avg
▼
Rate3.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 0.92% above avgNationally 2.78%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.16% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
6 Month Share Certificate
$500
3.05%
▲ 0.81% above West Virginia avg
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 0.81% above avgNationally 2.78%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.16% → 3.05% ▼ 0.11 pts · high 3.16% / low 3.05%
- Oct 15, 20263.05%▼ from 3.16%
- Sep 25, 20263.16%first recorded
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
Share Certificate - 6 Months
$500
3.04%
▲ 0.80% above West Virginia avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 0.80% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 10 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
6 Month Share Certificate
$1,000
3.03%
▲ 0.79% above West Virginia avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 0.79% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 4 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Certificate - 6 Month
$1,000
3.03%
▲ 0.79% above West Virginia avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 0.79% above avgNationally 2.78%
Details
Minimum $1,000.00 to open; APY if left on deposit for full term
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 4 times
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
6 Month CD
$0
3.00%
▲ 0.76% above West Virginia avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 0.76% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 10 times
Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Share Certificate 6 Month
$0
3.00%
▲ 0.76% above West Virginia avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 0.76% above avgNationally 2.78%
Details
Rates effective 08/11/2023
Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 2 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.74%
Certificates of Deposit - 6 Month
$500
2.82%
▲ 0.58% above West Virginia avg
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 0.58% above avgNationally 2.78%
Details
APR column shown in rate field; Term ($500 Min)
Rate History
No change since Oct 22, 2026 · 2.82% APY · checked 2 times
WV National Guard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
6 Month CD Specials
$0
2.75%
▲ 0.51% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 0.51% above avgNationally 2.78%
Details
Penalties applied for early withdrawal, which may decrease earnings; Rates Effective as of 08/01/2026
Rate History
No change since Sep 21, 2026 · 2.75% APY · checked 5 times
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
6 Month Fixed Rate CD
$500
2.70%
▲ 0.46% above West Virginia avg
▼
Rate2.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.24%▲ 0.46% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 8 times
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
Individual Retirement Accounts (IRAs) - 6 Month
$500
2.70%
▲ 0.46% above West Virginia avg
▼
Rate2.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.24%▲ 0.46% above avgNationally 2.78%
Details
Rate History
No change since Oct 22, 2026 · 2.70% APY
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
IRA 6 Month Certificate
$500
2.70%
▲ 0.46% above West Virginia avg
▼
Rate2.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.24%▲ 0.46% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 6 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
6-month IRA Certificate - Peoples Preferred Club
$1,000
2.63%
▲ 0.39% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 0.39% above avgNationally 2.78%
Details
Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 21, 2026 · 2.53% → 2.63% ▲ 0.10 pts · high 2.63% / low 2.53%
- Sep 25, 20262.63%▲ from 2.53%
- Sep 21, 20262.53%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
6-month Share Certificate - Peoples Preferred Club
$1,000
2.63%
▲ 0.39% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 0.39% above avgNationally 2.78%
Details
Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 2.53% → 2.63% ▲ 0.10 pts · high 2.63% / low 2.53%
- Sep 25, 20262.63%▲ from 2.53%
- Sep 18, 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%
▲ 0.29% above West Virginia avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 0.29% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 2.27% → 2.53% ▲ 0.26 pts · high 2.53% / low 2.27%
- 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%
▲ 0.29% above West Virginia avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 0.29% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 2.27% → 2.53% ▲ 0.26 pts · high 2.53% / low 2.27%
- 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
$1,000
2.53%
▲ 0.29% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 0.29% above avgNationally 2.78%
Details
Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 2.43% → 2.53% ▲ 0.10 pts · high 2.53% / low 2.43%
- 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
$1,000
2.53%
▲ 0.29% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 0.29% above avgNationally 2.78%
Details
Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 2.43% → 2.53% ▲ 0.10 pts · high 2.53% / low 2.43%
- 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 Share Certificate
$0
2.27%
▲ 0.03% above West Virginia avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 0.03% above avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 2.27% APY · checked 3 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6 Month Certificate of Deposit
$500
2.25%
▲ 0.01% above West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
West Virginia Average2.24%▲ 0.01% above avgNationally 2.78%
Details
APY calculated on monthly compounding assuming interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6 Month IRA Certificate of Deposit
$500
2.25%
▲ 0.01% above West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
West Virginia Average2.24%▲ 0.01% above avgNationally 2.78%
Details
Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 2.25% APY · checked 2 times
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Share Certificate - 6 Months
$500
2.25%
▲ 0.01% above West Virginia avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 0.01% above avgNationally 2.78%
Details
Minimum Deposit $500
Rate History
No change since Sep 12, 2026 · 2.25% APY · checked 6 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
6 Month Share Certificate
$0
2.25%
▲ 0.01% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▲ 0.01% above avgNationally 2.78%
Details
Balance: $250,000.01+; Also available as Traditional IRA or Roth IRA; Penalty for early withdrawal
Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 5 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
6 Month Share Certificate
$0
2.20%
▼ 0.04% below West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▼ 0.04% below avgNationally 2.78%
Details
Balance: $100,000-$250,000; Also available as Traditional IRA or Roth IRA; Penalty for early withdrawal
Rate History
No change since Oct 5, 2026 · 2.20% APY · checked 5 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
6 Month Share Certificate
$0
2.15%
▼ 0.09% below West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▼ 0.09% below avgNationally 2.78%
Details
Balance: $10,000-$24,999; Also available as Traditional IRA or Roth IRA; Penalty for early withdrawal
Rate History
No change since Oct 5, 2026 · 2.15% APY · checked 5 times
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
6 Month Share Certificate
$0
2.12%
▼ 0.12% below West Virginia avg
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▼ 0.12% below avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 2.12% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
6 Month Share Certificate
$0
2.05%
▼ 0.19% below West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▼ 0.19% below avgNationally 2.78%
Details
Balance: $1,000-$9,999; Also available as Traditional IRA or Roth IRA; Penalty for early withdrawal
Rate History
No change since Oct 5, 2026 · 2.05% APY · checked 5 times
CNB Bank Berkeley Springs, WV
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
6 Month CD
$500
2.00%
▼ 0.24% below West Virginia avg
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.24%▼ 0.24% below avgNationally 2.78%
Details
All CDs require a $500 minimum deposit to open; Interest is compounded daily
Rate History
No change since Oct 21, 2026 · 2.00% APY · checked 2 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Certificate - 6 months
$0
2.00%
▼ 0.24% below West Virginia avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▼ 0.24% below avgNationally 2.78%
Details
Rate History
No change since Oct 15, 2026 · 2.00% APY · checked 2 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6 Month Standard Rate CDs
$500
1.75%
▼ 0.49% below West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.24%▼ 0.49% below avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 7 times
Community Bank (PA)
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Certificate of Deposit - 6 Months
$500
1.75%
▼ 0.49% below West Virginia avg
▼
Rate1.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
West Virginia Average2.24%▼ 0.49% below avgNationally 2.78%
Details
Stated APY as of July 29, 2026; early withdrawal penalties apply
Rate History
No change since Oct 20, 2026 · 1.75% APY · checked 2 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Certificate - 6 Month
$0
1.75%
▼ 0.49% below West Virginia avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▼ 0.49% below avgNationally 2.78%
Details
Early Withdrawal Penalty: 90 Day
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 10 times
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
6 Month Share Certificate
$1,000
1.68%
▼ 0.56% below West Virginia avg
▼
Rate1.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
West Virginia Average2.24%▼ 0.56% below avgNationally 2.78%
Details
Dividends paid monthly; $1000.00 minimum; also available as IRA Certificate (Educational IRAs minimum $500.00)
Rate History
No change since Oct 9, 2026 · 1.68% APY · checked 4 times
First Mutual Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
6 Month DirectSave CD
$0
1.51%
▼ 0.73% below West Virginia avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.24%▼ 0.73% below avgNationally 2.78%
Details
Compounded & credited monthly. Must set up ACH transfer of at least $25 per month from a checking account or outside savings account at account opening. Automatic renewal. 7 day grace period. Penalty for early withdrawal.
Rate History
No change since Oct 22, 2026 · 1.51% APY
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
Share Certificate - 6 Month
$0
1.51%
▼ 0.73% below West Virginia avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▼ 0.73% below avgNationally 2.78%
Details
Rate History
No change since Oct 15, 2026 · 1.51% APY · checked 2 times
Union Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
6 Month Certificate
$500
1.51%
▼ 0.73% below West Virginia avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.24%▼ 0.73% below avgNationally 2.78%
Details
Early withdrawal penalty: 90 Days of Dividends; $100 in share account required for CD; APY = Annual Percentage Yield
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 9 times
Junction 12 Month CD Rates
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%
12 Month Jumbo Certificate
$0
4.35%
▲ 1.68% above West Virginia avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 1.68% above avgNationally 2.99%
Details
Balance: $250,000
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 3 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
Jumbo Certificates ($250,000) - 12 month
$0
4.35%
▲ 1.68% above West Virginia avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 1.68% above avgNationally 2.99%
Details
Min. Balance Requirement: $250,000
Rate History
No change since Oct 23, 2026 · 4.35% APY
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
12 Month CD Special
$0
4.33%
▲ 1.66% above West Virginia avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 1.66% above avgNationally 2.99%
Details
CD Special; $10,000 or more
Rate History
1 change since Sep 29, 2026 · 3.77% → 4.33% ▲ 0.56 pts · high 4.33% / low 3.77%
- 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%
▲ 1.63% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.67%▲ 1.63% above avgNationally 2.99%
Details
APY available on a new CD opened with a minimum of $1,000.00; no additional deposits during the term; early withdrawal penalty may apply; APY accurate as of October 22nd, 2026
Rate History
1 change since Sep 28, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- 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%
Jumbo Certificates - 12 month
$0
4.25%
▲ 1.58% above West Virginia avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 1.58% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 4 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Share Certificate - 12 Months
$0
4.15%
▲ 1.48% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 1.48% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 2 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
12 Month Share Certificate
$0
4.15%
▲ 1.48% above West Virginia avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 1.48% 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%
- 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%
▲ 1.39% above West Virginia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.67%▲ 1.39% above avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 4.06% APY · checked 6 times
Alloy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
12 Month IRA Share Certificate - Limited Certificate Special
$0
4.00%
▲ 1.33% above West Virginia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 1.33% above avgNationally 2.99%
Details
Dividend Rate 4.00%; $1,000 & Above; $500 minimum balance to obtain APY; APY based on interest compounded quarterly; Substantial penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 2 times
Alloy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
Limited Certificate Special - 12 Months
$0
4.00%
▲ 1.33% above West Virginia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 1.33% above avgNationally 2.99%
Details
Balance: $1,000 & Above; $500 minimum balance to obtain APY; Substantial penalty for early withdrawal; APY based on interest compounded quarterly
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year Term CD
$1,000
4.00%
▲ 1.33% above West Virginia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
West Virginia Average2.67%▲ 1.33% above avgNationally 2.99%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 1-Year
$1,000
4.00%
▲ 1.33% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
West Virginia Average2.67%▲ 1.33% above avgNationally 2.99%
Details
Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term
Rate History
No change since Oct 19, 2026 · 4.00% APY
Preston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Time Share Certificate - 12 Months
$0
3.95%
▲ 1.28% above West Virginia avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 1.28% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 3.95% APY · checked 2 times
First Exchange Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.90%
12 Month Special CD
$0
3.85%
▲ 1.18% above West Virginia avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.67%▲ 1.18% above avgNationally 2.99%
Details
Special CD valid for firstDirect Interest, firstDeluxe and firstPremium Interest Account Holders only; limited time offer; minimum balance $10,000 to open and maintain advertised APY
Rate History
1 change since Sep 19, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- 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
$0
3.85%
▲ 1.18% above West Virginia avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 1.18% above avgNationally 2.99%
Details
Youth special for accounts up to age 17; one certificate per social security number; Jumbo rates do not apply; Min. / Max. Balance $500 / $500
Rate History
No change since Oct 12, 2026 · 3.85% APY · checked 3 times
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
Certificate of Deposit Rate Specials - 12 Months
$0
3.85%
▲ 1.18% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
West Virginia Average2.67%▲ 1.18% above avgNationally 2.99%
Details
Annual Percentage Yield, $1,000 minimum. At maturity, call (304) 485-4523 to speak to a Member Service Representative to receive the special rate.
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
- Oct 19, 20263.85%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
12 Month Share Certificate
$2,500
3.82%
▲ 1.15% above West Virginia avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 1.15% above avgNationally 2.99%
Details
Add .10% to the rate for $50,000 to $74,999.99; Add .20% to the rate for $75,000 and over; Certificates must be at least $2,500 to qualify for monthly dividend payments
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
12 Month Share Certificate
$500
3.80%
▲ 1.13% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 1.13% above avgNationally 2.99%
Details
Existing Share Certificate renewals only; not accepting new Share Certificates
Rate History
No change since Oct 22, 2026 · 3.80% APY · checked 2 times
First Exchange Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.90%
12 Month CD
$500
3.75%
▲ 1.08% above West Virginia avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.67%▲ 1.08% above avgNationally 2.99%
Details
Minimum balance to open and maintain APY is $500
Rate History
1 change since Sep 19, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
- 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%
Share Certificate - 12 Months
$500
3.75%
▲ 1.08% above West Virginia avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 1.08% above avgNationally 2.99%
Details
Minimum Deposit $500
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 6 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
Jumbo Certificate Specials - 12 Months
$500,000
3.75%
▲ 1.08% above West Virginia avg
▼
Rate3.68%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 1.08% above avgNationally 2.99%
Details
Minimum deposit: May be purchased in any denomination above $500,000. Subject to early withdrawal penalty. Limited quantity. Effective October 1, 2026
Rate History
No change since Sep 17, 2026 · 3.75% APY · checked 3 times
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
12 Month Certificate of Deposit
$0
3.70%
▲ 1.03% above West Virginia avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.67%▲ 1.03% 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 3 times
FNB Bank, Inc. Romney, WV
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
12 MONTH CD SPECIAL
$1,000
3.70%
▲ 1.03% above West Virginia avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.67%▲ 1.03% above avgNationally 2.99%
Details
Compounding Frequency: Quarterly
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
- 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
$250,000
3.70%
▲ 1.03% above West Virginia avg
▼
Rate3.63%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 1.03% above avgNationally 2.99%
Details
Dividend rate column labeled APR (footnote 2); Minimum deposit: May be purchased in any denomination above $250,000. Subject to early withdrawal penalty. Limited quantity.
Rate History
No change since Sep 17, 2026 · 3.70% APY · checked 3 times
The Bank of Romney
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Certificate - 12 Months
$0
3.65%
▲ 0.98% above West Virginia avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.67%▲ 0.98% above avgNationally 2.99%
Details
QTL. Min. $500.00; Penalty 30 Days
Rate History
No change since Sep 11, 2026 · 3.65% APY · checked 8 times
Metro Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
CD 12 Month
$0
3.61%
▲ 0.94% above West Virginia avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.94% above avgNationally 2.99%
Details
A minimum balance of $5,000 is required on all Certificates.
Rate History
No change since Oct 23, 2026 · 3.61% APY
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
12 Month Certificate of Deposit
$0
3.60%
▲ 0.93% above West Virginia avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.67%▲ 0.93% above avgNationally 2.99%
Details
Balance: Less than $100,000
Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 7 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
12 Month Jumbo Certificate
$100,000
3.60%
▲ 0.93% above West Virginia avg
▼
Rate3.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.93% above avgNationally 2.99%
Details
Dividend rate shown under APR column; minimum deposit $100,000; subject to early withdrawal penalty; effective October 1, 2026
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 2 times
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
Share Certificate - 12 Month
$0
3.56%
▲ 0.89% above West Virginia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.89% above avgNationally 2.99%
Details
Rate History
No change since Oct 15, 2026 · 3.56% APY · checked 2 times
Jefferson Security Bank
Institution Rating:
A+4.9 ★Texas Ratio: 0.10%
Business Certificate of Deposit - 12 Months
$500
3.55%
▲ 0.88% above West Virginia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.67%▲ 0.88% above avgNationally 2.99%
Details
Interest rate fixed for specified term; penalty for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.55% APY · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 12 Months
$500
3.55%
▲ 0.88% above West Virginia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.88% above avgNationally 2.99%
Details
Early withdrawal penalty applies.
Rate History
No change since Sep 12, 2026 · 3.55% APY · checked 4 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
Share Certificate - 12 Months
$100
3.55%
▲ 0.88% above West Virginia avg
▼
Rate3.49%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.88% above avgNationally 2.99%
Details
Dividend rate (APR) column; Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty
Rate History
3 changes since Sep 14, 2026 · 3.70% → 3.55% ▼ 0.15 pts · high 3.75% / low 3.55%
- Oct 23, 20263.55%▼ from 3.75%
- Oct 5, 20263.75%▲ from 3.55%
- Sep 17, 20263.55%▼ from 3.70%
- Sep 14, 20263.70%first recorded
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate - 12 Month
$0
3.55%
▲ 0.88% above West Virginia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.88% above avgNationally 2.99%
Details
Paid Monthly
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo IRA Certificate - 1 Year - Peoples Preferred Club
$0
3.51%
▲ 0.84% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.84% above avgNationally 2.99%
Details
Balance: $200,000.00 and over; Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 3.41% → 3.51% ▲ 0.10 pts · high 3.51% / low 3.41%
- Sep 25, 20263.51%▲ from 3.41%
- Sep 14, 20263.41%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo Share Certificate 1 Year - Peoples Preferred Club
$0
3.51%
▲ 0.84% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.84% above avgNationally 2.99%
Details
Peoples Preferred Club APY; Balance: $200,000.00 and over; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 3.41% → 3.51% ▲ 0.10 pts · high 3.51% / low 3.41%
- Sep 25, 20263.51%▲ from 3.41%
- Sep 18, 20263.41%first recorded
WV National Guard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1 Year CD Specials
$0
3.50%
▲ 0.83% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.83% above avgNationally 2.99%
Details
Penalties applied for early withdrawal, which may decrease earnings
Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 5 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
12 Month Certificate
$1,000
3.50%
▲ 0.83% above West Virginia avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.83% above avgNationally 2.99%
Details
Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 3 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional/Roth IRA Certificate - 12 Months
$1,000
3.50%
▲ 0.83% above West Virginia avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.83% above avgNationally 2.99%
Details
Dividend rate 3.44%; $1,000 minimum investment to open an account
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
12 Month Share Certificate
$0
3.50%
▲ 0.83% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
West Virginia Average2.67%▲ 0.83% above avgNationally 2.99%
Details
Share Certificate Rates; $1,000.00 minimum balance; early withdrawal penalty may apply; funds disbursed to shares at maturity
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo IRA Certificate - 1 Year - Peoples Preferred Club
$0
3.46%
▲ 0.79% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.79% above avgNationally 2.99%
Details
Balance: $150,000.00 - $199,999.99; Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 3.41% → 3.46% ▲ 0.05 pts · high 3.46% / low 3.41%
- Sep 25, 20263.46%▲ from 3.41%
- Sep 14, 20263.41%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo Share Certificate 1 Year - Peoples Preferred Club
$0
3.46%
▲ 0.79% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.79% above avgNationally 2.99%
Details
Peoples Preferred Club APY; Balance: $150,000.00 - $199,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 3.41% → 3.46% ▲ 0.05 pts · high 3.46% / low 3.41%
- Sep 25, 20263.46%▲ from 3.41%
- Sep 18, 20263.41%first recorded
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Variable Rate IRA 12 Month
$0
3.44%
▲ 0.77% above West Virginia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.67%▲ 0.77% above avgNationally 2.99%
Details
Individual Retirement Account; rate and APY may change after account is opened
Rate History
1 change since Sep 24, 2026 · 3.34% → 3.44% ▲ 0.10 pts · high 3.44% / low 3.34%
- Oct 20, 20263.44%▲ from 3.34%
- Sep 24, 20263.34%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo IRA Certificate - 1 Year - Peoples Preferred Club
$0
3.41%
▲ 0.74% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.74% above avgNationally 2.99%
Details
Balance: $100,000.00 - $149,999.99; Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.41% → 3.41% ▼ 0.00 pts · high 3.46% / low 3.41%
- Oct 15, 20263.41%▼ from 3.46%
- Sep 25, 20263.46%▲ from 3.41%
- Sep 14, 20263.41%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo Share Certificate 1 Year - Peoples Preferred Club
$0
3.41%
▲ 0.74% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.74% above avgNationally 2.99%
Details
Peoples Preferred Club APY; Balance: $100,000.00 - $149,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
2 changes since Sep 18, 2026 · 3.41% → 3.41% ▼ 0.00 pts · high 3.46% / low 3.41%
- Oct 13, 20263.41%▼ from 3.46%
- Sep 25, 20263.46%▲ from 3.41%
- Sep 18, 20263.41%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo IRA Certificate - 1 Year
$0
3.36%
▲ 0.69% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.69% above avgNationally 2.99%
Details
Balance: $150,000.00 - $199,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
No change since Oct 15, 2026 · 3.36% APY · checked 2 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo Share Certificate 1 Year
$0
3.36%
▲ 0.69% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.69% above avgNationally 2.99%
Details
Balance: $150,000.00 - $199,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.36% ▲ 0.06 pts · high 3.36% / low 3.30%
- Sep 21, 20263.36%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
12 Month Jumbo Share Certificate
$100,000
3.31%
▲ 0.64% above West Virginia avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.64% above avgNationally 2.99%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.31% APY · checked 2 times
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
Share Certificate - 12 Months
$500
3.30%
▲ 0.63% above West Virginia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.63% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 10 times
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
12 Month CD
$0
3.30%
▲ 0.63% above West Virginia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.63% above avgNationally 2.99%
Details
Dividends pay monthly; Penalty for early withdrawal: 90 days of dividend
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 9 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo IRA Certificate - 1 Year
$0
3.30%
▲ 0.63% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.67%▲ 0.63% above avgNationally 2.99%
Details
Balance: $100,000.00 - $149,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
No change since Oct 15, 2026 · 3.30% APY · checked 2 times
Junction 18 Month CD Rates
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%
▲ 2.03% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.37%▲ 2.03% above avgNationally 2.88%
Details
APY available on a new CD opened with a minimum of $1,000.00; no additional deposits during the term; early withdrawal penalty may apply; APY accurate as of October 22nd, 2026
Rate History
1 change since Sep 28, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- 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%
▲ 1.88% above West Virginia avg
▼
Rate4.16%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
West Virginia Average2.37%▲ 1.88% above avgNationally 2.88%
Details
Limited Time CD Special; You Choose The Term; Age 18 and under may open with $500; Public funds over $250,000.00 excluded; Effective Date: 10/19/2026; Automatically renewable; Penalty may be imposed for early withdrawal
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 9 times
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
18 MONTH IRA / ROTH TDOA
$0
4.25%
▲ 1.88% above West Virginia avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
West Virginia Average2.37%▲ 1.88% above avgNationally 2.88%
Details
Individual Retirement Accounts; Effective Date: 10/19/2026; Interest rate and APY assume interest remains on deposit until maturity
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
Jefferson Security Bank
Institution Rating:
A+4.9 ★Texas Ratio: 0.10%
Business Certificate of Deposit - 18 Months
$500
3.96%
▲ 1.59% above West Virginia avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.37%▲ 1.59% above avgNationally 2.88%
Details
Interest rate fixed for specified term; penalty for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
Huntington FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
18 Month C.D.
$0
3.87%
▲ 1.50% above West Virginia avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.37%▲ 1.50% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 3.87% APY · checked 6 times
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18 MONTH SELECT Certificate of Deposit
$1,000
3.85%
▲ 1.48% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.37%▲ 1.48% above avgNationally 2.88%
Details
Featured CD rate; Requires a qualifying M&T Bank checking account; Schedule an appointment to open
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 5 times
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18-Month M&T Select CD
$1,000
3.85%
▲ 1.48% above West Virginia avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.37%▲ 1.48% above avgNationally 2.88%
Details
Featured M&T Certificate of Deposit; requires a qualifying M&T Bank checking account to open (M&T Select CD); minimum balance to obtain APY is $1.00 after opening
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
The Citizens Bank of Weston
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
18 Month CD/IRA
$500
3.85%
▲ 1.48% above West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.37%▲ 1.48% above avgNationally 2.88%
Details
Online Account Opening
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
18 Month Share Certificate
$500
3.82%
▲ 1.45% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 1.45% above avgNationally 2.88%
Details
Add .10% to the rate for $50,000 to $74,999.99; Add .20% to the rate for $75,000 and over
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 18 Months
$500
3.80%
▲ 1.43% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 1.43% above avgNationally 2.88%
Details
Early withdrawal penalty applies.
Rate History
No change since Sep 12, 2026 · 3.80% APY · checked 4 times
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Share Certificate - 18 Months
$500
3.75%
▲ 1.38% above West Virginia avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 1.38% above avgNationally 2.88%
Details
Minimum Deposit $500
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 6 times
CNB Bank Berkeley Springs, WV
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
18 Month CD
$500
3.70%
▲ 1.33% above West Virginia avg
▼
Rate3.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.37%▲ 1.33% above avgNationally 2.88%
Details
All CDs require a $500 minimum deposit to open; Interest is compounded daily
Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 2 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18 Month Share Certificate
$0
3.60%
▲ 1.23% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 1.23% above avgNationally 2.88%
Details
Balance: $250,000.01+; Dividend Earnings: $13,849.82; Dividend Earnings based on minimum tier balance; Rates effective as of September 2, 2026
Rate History
No change since Oct 5, 2026 · 3.60% APY · checked 4 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
18 Month Jumbo Certificate
$100,000
3.55%
▲ 1.18% above West Virginia avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 1.18% above avgNationally 2.88%
Details
Dividend rate shown under APR column; minimum deposit $100,000; subject to early withdrawal penalty; effective October 1, 2026
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18 Month Share Certificate
$0
3.55%
▲ 1.18% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 1.18% above avgNationally 2.88%
Details
Balance: $100,000-$250,000; Dividend Earnings: $5,461.04; Dividend Earnings based on minimum tier balance; Rates effective as of September 2, 2026
Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 4 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
Share Certificate - 18 Month
$100
3.50%
▲ 1.13% above West Virginia avg
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 1.13% above avgNationally 2.88%
Details
Dividend rate (APR) column; Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty
Rate History
No change since Sep 17, 2026 · 3.50% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18 Month Share Certificate
$0
3.50%
▲ 1.13% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 1.13% above avgNationally 2.88%
Details
Balance: $10,000-$24,999; Dividend Earnings: $538.22; Dividend Earnings based on minimum tier balance; Rates effective as of September 2, 2026
Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 4 times
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Variable Rate IRA 18 Month
$0
3.49%
▲ 1.12% above West Virginia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.37%▲ 1.12% above avgNationally 2.88%
Details
Individual Retirement Account; rate and APY may change after account is opened
Rate History
1 change since Sep 24, 2026 · 2.02% → 3.49% ▲ 1.47 pts · high 3.49% / low 2.02%
- Oct 20, 20263.49%▲ from 2.02%
- Sep 24, 20262.02%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
18 Month Jumbo Share Certificate
$100,000
3.41%
▲ 1.04% above West Virginia avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 1.04% above avgNationally 2.88%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.41% APY · checked 2 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18 Month Share Certificate
$0
3.40%
▲ 1.03% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 1.03% above avgNationally 2.88%
Details
Balance: $1,000-$9,999; Dividend Earnings: $52.25; Dividend Earnings based on minimum tier balance; Rates effective as of September 2, 2026
Rate History
No change since Oct 5, 2026 · 3.40% APY · checked 4 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
18 Month Share Certificate
$500
3.31%
▲ 0.94% above West Virginia avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 0.94% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
- Oct 15, 20263.31%▼ from 3.41%
- Sep 25, 20263.41%first recorded
The Bank of Romney
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Certificate Builder - 18 Months
$0
3.30%
▲ 0.93% above West Virginia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.37%▲ 0.93% above avgNationally 2.88%
Details
Daily Min. $500.00; Penalty 90 Days; Certificate Builder 18 Months term only. One monthly deposit, $500.00 minimum
Rate History
No change since Oct 21, 2026 · 3.30% APY
Romney Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.74%
Certificates of Deposit - 18 Month
$500
3.29%
▲ 0.92% above West Virginia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 0.92% above avgNationally 2.88%
Details
APR column shown in rate field; Term ($500 Min)
Rate History
No change since Oct 22, 2026 · 3.29% APY · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
18 Month Certificate
$1,000
3.20%
▲ 0.83% above West Virginia avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 0.83% above avgNationally 2.88%
Details
Rate History
No change since Oct 5, 2026 · 3.20% APY · checked 3 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
18 months Share Certificate - Peoples Preferred Club
$1,000
3.15%
▲ 0.78% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 0.78% above avgNationally 2.88%
Details
Peoples Preferred Club APY; dividends compounded daily and paid monthly; penalty for early withdrawal
Rate History
No change since Sep 25, 2026 · 3.15% APY · checked 5 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
18-month IRA Certificate - Peoples Preferred Club
$1,000
3.15%
▲ 0.78% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 0.78% above avgNationally 2.88%
Details
Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 21, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05%
- 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 Share Certificate - Peoples Preferred Club
$1,000
3.15%
▲ 0.78% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 0.78% above avgNationally 2.88%
Details
Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05%
- Oct 13, 20263.15%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
18 months Share Certificate
$1,000
3.05%
▲ 0.68% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 0.68% above avgNationally 2.88%
Details
Dividends compounded daily and paid monthly; penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 2.94% → 3.05% ▲ 0.11 pts · high 3.05% / low 2.94%
- Oct 13, 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 IRA Certificate
$1,000
3.05%
▲ 0.68% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 0.68% above avgNationally 2.88%
Details
Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 2.94% → 3.05% ▲ 0.11 pts · high 3.05% / low 2.94%
- 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
$1,000
3.05%
▲ 0.68% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 0.68% above avgNationally 2.88%
Details
Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 2.94% → 3.05% ▲ 0.11 pts · high 3.05% / low 2.94%
- 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 Term CD
$1,000
2.75%
▲ 0.38% above West Virginia avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
West Virginia Average2.37%▲ 0.38% above avgNationally 2.88%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 18-Month
$1,000
2.75%
▲ 0.38% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
West Virginia Average2.37%▲ 0.38% above avgNationally 2.88%
Details
Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY
Rate History
No change since Oct 19, 2026 · 2.75% APY
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
18 Month Fixed Rate CD
$500
2.60%
▲ 0.23% above West Virginia avg
▼
Rate2.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.37%▲ 0.23% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 8 times
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
Individual Retirement Accounts (IRAs) - 18 Month
$500
2.60%
▲ 0.23% above West Virginia avg
▼
Rate2.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.37%▲ 0.23% above avgNationally 2.88%
Details
Rate History
No change since Oct 22, 2026 · 2.60% APY
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
IRA 18 Month Certificate
$500
2.60%
▲ 0.23% above West Virginia avg
▼
Rate2.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.37%▲ 0.23% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 6 times
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
18 Month Share Certificate
$0
2.48%
▲ 0.11% above West Virginia avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 0.11% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 2.48% APY · checked 3 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Certificate - 18 months
$0
2.40%
▲ 0.03% above West Virginia avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▲ 0.03% above avgNationally 2.88%
Details
Rate History
No change since Oct 15, 2026 · 2.40% APY · checked 2 times
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
18 Month Share Certificate
$0
2.32%
▼ 0.05% below West Virginia avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▼ 0.05% below avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 2.32% APY · checked 3 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Certificate - 18 Month
$0
2.25%
▼ 0.12% below West Virginia avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▼ 0.12% below avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Day
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 10 times
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.10%
18 Month Certificate Account
$50,000
2.16%
▼ 0.21% below West Virginia avg
▼
Rate2.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▼ 0.21% below avgNationally 2.88%
Details
Dividend Rate: 2.15%; Effective as of 10/01/2023
Rate History
No change since Oct 22, 2026 · 2.16% APY · checked 2 times
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
18 Month Share Certificate
$1,000
2.03%
▼ 0.34% below West Virginia avg
▼
Rate2.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
West Virginia Average2.37%▼ 0.34% below avgNationally 2.88%
Details
Dividends paid monthly; $1000.00 minimum; also available as IRA Certificate (Educational IRAs minimum $500.00)
Rate History
No change since Oct 9, 2026 · 2.03% APY · checked 4 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
18 Month Standard Rate CDs
$500
1.80%
▼ 0.57% below West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.37%▼ 0.57% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 7 times
Davis Trust Company
Institution Rating:
A-4.7 ★Texas Ratio: 11.86%
18 Month Certificate
$1,000
1.71%
▼ 0.66% below West Virginia avg
▼
Rate1.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.37%▼ 0.66% below avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 2.63% → 1.71% ▼ 0.92 pts · high 2.63% / low 1.71%
- Oct 22, 20261.71%▼ from 2.63%
- Sep 14, 20262.63%first recorded
FNB Bank, Inc. Romney, WV
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 MONTH IRA (Variable)
$100
1.25%
▼ 1.12% below West Virginia avg
▼
Rate1.24%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.37%▼ 1.12% below avgNationally 2.88%
Details
Variable rate, changes weekly; Compounding Frequency: Monthly; Substantial penalty on early withdrawal
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Lb&t
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
18 MONTH CD & CD IRA
$0
1.21%
▼ 1.16% below West Virginia avg
▼
Rate1.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.37%▼ 1.16% below avgNationally 2.88%
Details
Early withdrawal: 3 MO INTEREST
Rate History
No change since Sep 24, 2026 · 1.21% APY · checked 7 times
First Mutual Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
18-Month CD
$0
1.20%
▼ 1.17% below West Virginia avg
▼
Rate1.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.37%▼ 1.17% below avgNationally 2.88%
Details
Renewal term is 18 months; Open Online
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 8 times
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Certificate - 18 month
$0
0.90%
▼ 1.47% below West Virginia avg
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.37%▼ 1.47% below avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 days dividend penalty
Rate History
No change since Oct 15, 2026 · 0.90% APY · checked 2 times
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
IRA 18 Months
$0
0.85%
▼ 1.52% below West Virginia avg
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.37%▼ 1.52% below avgNationally 2.88%
Details
Rate History
No change since Oct 21, 2026 · 0.85% APY
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Certificate of Deposit - 18 Months
$0
0.75%
▼ 1.62% below West Virginia avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.37%▼ 1.62% below avgNationally 2.88%
Details
Rate History
No change since Sep 11, 2026 · 0.75% APY · checked 8 times
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Certificate of Deposits - 18 Months
$0
0.75%
▼ 1.62% below West Virginia avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.37%▼ 1.62% below avgNationally 2.88%
Details
Balance: $2,500.00 minimum
Rate History
No change since Sep 11, 2026 · 0.75% APY · checked 8 times
Junction 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Share Certificate - 24 Months
$0
4.35%
▲ 1.85% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.85% above avgNationally 2.90%
Details
Rate History
No change since Oct 22, 2026 · 4.35% APY · checked 2 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month Jumbo Certificate
$0
4.35%
▲ 1.85% above West Virginia avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.85% above avgNationally 2.90%
Details
Balance: $250,000
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 3 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
Jumbo Certificates ($250,000) - 24 month
$0
4.35%
▲ 1.85% above West Virginia avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.85% above avgNationally 2.90%
Details
Min. Balance Requirement: $250,000
Rate History
No change since Oct 23, 2026 · 4.35% APY
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.30%
▲ 1.80% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.80% above avgNationally 2.90%
Details
Balance: $250,000.01+; Dividend Earnings: $24,409.71; Dividend Earnings based on minimum tier balance; Rates effective as of September 15, 2026; Savings Certificate, Traditional IRA or Roth IRA options
Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 5 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
Jumbo Certificates - 24 month
$0
4.25%
▲ 1.75% above West Virginia avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.75% above avgNationally 2.90%
Details
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 4 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.25%
▲ 1.75% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.75% above avgNationally 2.90%
Details
Balance: $100,000-$250,000; Dividend Earnings: $8,855.36; Dividend Earnings based on minimum tier balance; Rates effective as of September 15, 2026; Savings Certificate, Traditional IRA or Roth IRA options
Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 5 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.20%
▲ 1.70% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.70% above avgNationally 2.90%
Details
Balance: $10,000-$24,999; Dividend Earnings: $874.69; Dividend Earnings based on minimum tier balance; Rates effective as of September 15, 2026; Savings Certificate, Traditional IRA or Roth IRA options
Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 5 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month Share Certificate
$0
4.15%
▲ 1.65% above West Virginia avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.65% above avgNationally 2.90%
Details
Rate History
1 change since Sep 25, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- 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%
▲ 1.60% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.60% above avgNationally 2.90%
Details
Balance: $1,000-$9,999; Dividend Earnings: $85.30; Dividend Earnings based on minimum tier balance; Rates effective as of September 15, 2026; Savings Certificate, Traditional IRA or Roth IRA options
Rate History
No change since Oct 5, 2026 · 4.10% APY · checked 5 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
24 Month Share Certificate
$500
4.08%
▲ 1.58% above West Virginia avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.58% above avgNationally 2.90%
Details
Add .10% to the rate for $50,000 to $74,999.99; Add .20% to the rate for $75,000 and over
Rate History
2 changes since Sep 14, 2026 · 3.56% → 4.08% ▲ 0.52 pts · high 4.08% / low 3.56%
- Oct 5, 20264.08%▲ from 3.82%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 24 Months
$500
4.06%
▲ 1.56% above West Virginia avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.56% above avgNationally 2.90%
Details
Early withdrawal penalty applies.
Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 4 times
First Exchange Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.90%
24 Month Special CD
$0
4.05%
▲ 1.55% above West Virginia avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.50%▲ 1.55% above avgNationally 2.90%
Details
Special CD valid for firstDirect Interest, firstDeluxe and firstPremium Interest Account Holders only; limited time offer; minimum balance $10,000 to open and maintain advertised APY
Rate History
1 change since Sep 19, 2026 · 3.49% → 4.05% ▲ 0.56 pts · high 4.05% / low 3.49%
- Oct 3, 20264.05%▲ from 3.49%
- Sep 19, 20263.49%first recorded
Preston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Time Share Certificate - 24 Months
$0
4.05%
▲ 1.55% above West Virginia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.55% above avgNationally 2.90%
Details
Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 2 times
First Exchange Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.90%
24 Month CD
$500
3.95%
▲ 1.45% above West Virginia avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.50%▲ 1.45% above avgNationally 2.90%
Details
Minimum balance to open and maintain APY is $500
Rate History
1 change since Sep 19, 2026 · 3.39% → 3.95% ▲ 0.56 pts · high 3.95% / low 3.39%
- 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%
▲ 1.35% above West Virginia avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.50%▲ 1.35% above avgNationally 2.90%
Details
Compounding Frequency: Quarterly
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 7 times
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
24 Month Share Certificate
$500
3.85%
▲ 1.35% above West Virginia avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.35% above avgNationally 2.90%
Details
Existing Share Certificate renewals only; not accepting new Share Certificates
Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 2 times
Hancock County SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
24 Month Certificate of IRA CD
$500
3.75%
▲ 1.25% above West Virginia avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.50%▲ 1.25% above avgNationally 2.90%
Details
Limited Time Special; To Obtain Stated APY: $500 $0.01; Effective October 14th, 2026
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Share Certificate - 24 Months
$0
3.75%
▲ 1.25% above West Virginia avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.25% above avgNationally 2.90%
Details
Balance: $500+; Minimum Deposit $500+
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 6 times
The Bank of Romney
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Certificate - 24 Months
$0
3.72%
▲ 1.22% above West Virginia avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.50%▲ 1.22% above avgNationally 2.90%
Details
Daily Min. $1,000.00; Penalty 90 Days
Rate History
No change since Sep 11, 2026 · 3.72% APY · checked 8 times
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
Share Certificate - 24 Months
$500
3.56%
▲ 1.06% above West Virginia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.06% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 10 times
Huntington FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
24 Month C.D.
$0
3.55%
▲ 1.05% above West Virginia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.50%▲ 1.05% above avgNationally 2.90%
Details
Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 6 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
2 Year Share Certificate
$1,000
3.55%
▲ 1.05% above West Virginia avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.05% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Certificate - 2 Year
$1,000
3.55%
▲ 1.05% above West Virginia avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.05% above avgNationally 2.90%
Details
Minimum $1,000.00 to open; APY if left on deposit for full term
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.74%
Certificates of Deposit - 24 Month
$500
3.55%
▲ 1.05% above West Virginia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.05% above avgNationally 2.90%
Details
APR column shown in rate field; Term ($500 Min)
Rate History
No change since Oct 22, 2026 · 3.55% APY · checked 2 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
24 Month Jumbo Certificate
$100,000
3.55%
▲ 1.05% above West Virginia avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.05% above avgNationally 2.90%
Details
Dividend rate shown under APR column; minimum deposit $100,000; subject to early withdrawal penalty; effective October 1, 2026
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
24 Month IRA Certificate
$500
3.55%
▲ 1.05% above West Virginia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.05% above avgNationally 2.90%
Details
Term: 24 Month (Paid Monthly); Substantial penalty for early withdrawal
Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 5 times
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate - 24 Month
$0
3.55%
▲ 1.05% above West Virginia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.05% above avgNationally 2.90%
Details
Paid Monthly
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Variable Rate IRA 24 Month
$0
3.52%
▲ 1.02% above West Virginia avg
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.50%▲ 1.02% above avgNationally 2.90%
Details
Individual Retirement Account; rate and APY may change after account is opened
Rate History
1 change since Sep 24, 2026 · 2.02% → 3.52% ▲ 1.50 pts · high 3.52% / low 2.02%
- Oct 20, 20263.52%▲ from 2.02%
- Sep 24, 20262.02%first recorded
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
Share Certificate - 24 Months
$100
3.50%
▲ 1.00% above West Virginia avg
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 1.00% above avgNationally 2.90%
Details
Dividend rate (APR) column; Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty
Rate History
No change since Sep 17, 2026 · 3.50% APY · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
24 Month Jumbo Share Certificate
$100,000
3.41%
▲ 0.91% above West Virginia avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 0.91% above avgNationally 2.90%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.41% APY · checked 2 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo IRA Certificate - 2 Years - Peoples Preferred Club
$0
3.41%
▲ 0.91% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 0.91% above avgNationally 2.90%
Details
Balance: $200,000.00 and over; Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.41% ▲ 0.11 pts · high 3.41% / low 3.30%
- Sep 25, 20263.41%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo Share Certificate 2 Years - Peoples Preferred Club
$0
3.41%
▲ 0.91% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 0.91% above avgNationally 2.90%
Details
Peoples Preferred Club APY; Balance: $200,000.00 and over; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.41% ▲ 0.11 pts · high 3.41% / low 3.30%
- Sep 25, 20263.41%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo IRA Certificate - 2 Years - Peoples Preferred Club
$0
3.36%
▲ 0.86% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 0.86% above avgNationally 2.90%
Details
Balance: $150,000.00 - $199,999.99; Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.36% ▲ 0.06 pts · high 3.36% / low 3.30%
- Sep 25, 20263.36%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo Share Certificate 2 Years - Peoples Preferred Club
$0
3.36%
▲ 0.86% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 0.86% above avgNationally 2.90%
Details
Peoples Preferred Club APY; Balance: $150,000.00 - $199,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.36% ▲ 0.06 pts · high 3.36% / low 3.30%
- Sep 25, 20263.36%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
24 Month Certificate of Deposit
$0
3.35%
▲ 0.85% above West Virginia avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.50%▲ 0.85% above avgNationally 2.90%
Details
Balance: Greater than or equal to $100,000
Rate History
No change since Sep 11, 2026 · 3.35% APY · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
24 Month Share Certificate
$500
3.31%
▲ 0.81% above West Virginia avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 0.81% above avgNationally 2.90%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
- Oct 15, 20263.31%▼ from 3.41%
- Sep 25, 20263.41%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo IRA Certificate - 2 Years
$0
3.30%
▲ 0.80% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 0.80% above avgNationally 2.90%
Details
Balance: $200,000.00 and over; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
No change since Oct 15, 2026 · 3.30% APY · checked 2 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo Share Certificate 2 Years
$0
3.30%
▲ 0.80% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 0.80% above avgNationally 2.90%
Details
Balance: $200,000.00 and over; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
- Sep 21, 20263.30%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
24 Month Certificate of Deposit
$0
3.25%
▲ 0.75% above West Virginia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.50%▲ 0.75% above avgNationally 2.90%
Details
Balance: Less than $100,000
Rate History
No change since Sep 11, 2026 · 3.25% APY · checked 7 times
WV National Guard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2 Year CD Specials
$0
3.25%
▲ 0.75% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 0.75% above avgNationally 2.90%
Details
Penalties applied for early withdrawal, which may decrease earnings
Rate History
No change since Sep 21, 2026 · 3.25% APY · checked 5 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo IRA Certificate - 2 Years - Peoples Preferred Club
$0
3.25%
▲ 0.75% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 0.75% above avgNationally 2.90%
Details
Balance: $100,000.00 - $149,999.99; Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.36% / low 3.25%
- Oct 15, 20263.25%▼ from 3.36%
- Sep 25, 20263.36%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo Share Certificate 2 Years - Peoples Preferred Club
$0
3.25%
▲ 0.75% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 0.75% above avgNationally 2.90%
Details
Peoples Preferred Club APY; Balance: $100,000.00 - $149,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
2 changes since Sep 18, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.36% / low 3.25%
- Oct 13, 20263.25%▼ from 3.36%
- Sep 25, 20263.36%▲ from 3.30%
- Sep 18, 20263.30%first recorded
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
24 Month Certificate
$1,000
3.20%
▲ 0.70% above West Virginia avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 0.70% above avgNationally 2.90%
Details
Rate History
No change since Oct 5, 2026 · 3.20% APY · checked 3 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional/Roth IRA Certificate - 24 Months
$1,000
3.20%
▲ 0.70% above West Virginia avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 0.70% above avgNationally 2.90%
Details
Dividend rate 3.15%; $1,000 minimum investment to open an account
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 8 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
2-year IRA Certificate - Peoples Preferred Club
$1,000
3.15%
▲ 0.65% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 0.65% above avgNationally 2.90%
Details
Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 21, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05%
- 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 Share Certificate - Peoples Preferred Club
$1,000
3.15%
▲ 0.65% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 0.65% above avgNationally 2.90%
Details
Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05%
- Sep 25, 20263.15%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo IRA Certificate - 2 Years
$0
3.15%
▲ 0.65% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 0.65% above avgNationally 2.90%
Details
Balance: $100,000.00 - $149,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
No change since Oct 15, 2026 · 3.15% APY · checked 2 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo Share Certificate 2 Years
$0
3.15%
▲ 0.65% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 0.65% above avgNationally 2.90%
Details
Balance: $100,000.00 - $149,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.15% ▼ 0.05 pts · high 3.20% / low 3.15%
- Sep 18, 20263.15%▼ from 3.20%
- Sep 14, 20263.20%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
2-year IRA Certificate
$1,000
3.05%
▲ 0.55% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 0.55% above avgNationally 2.90%
Details
Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 2.94% → 3.05% ▲ 0.11 pts · high 3.05% / low 2.94%
- 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
$1,000
3.05%
▲ 0.55% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.50%▲ 0.55% above avgNationally 2.90%
Details
Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 2.94% → 3.05% ▲ 0.11 pts · high 3.05% / low 2.94%
- Sep 25, 20263.05%▲ from 2.94%
- Sep 14, 20262.94%first recorded
Junction 36 Month CD Rates
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%
▲ 2.17% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 2.17% above avgNationally 2.81%
Details
Balance: $250,000.01+; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 5 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.45%
▲ 2.12% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 2.12% above avgNationally 2.81%
Details
Balance: $100,000-$250,000; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.45% APY · checked 5 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.40%
▲ 2.07% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 2.07% above avgNationally 2.81%
Details
Balance: $10,000-$24,999; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 5 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Share Certificate - 36 Months
$0
4.35%
▲ 2.02% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 2.02% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 4.35% APY · checked 2 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.30%
▲ 1.97% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 1.97% above avgNationally 2.81%
Details
Balance: $1,000-$9,999; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 5 times
Preston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Time Share Certificate - 36 Months
$0
4.17%
▲ 1.84% above West Virginia avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 1.84% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 4.17% APY · checked 2 times
First Sentinel Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
36-Month CD/IRA
$500
4.16%
▲ 1.83% above West Virginia avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.33%▲ 1.83% above avgNationally 2.81%
Details
Certificates of Deposit & IRA Special Rates as of 09/23/2026; $500 minimum balance to obtain APY
Rate History
No change since Oct 14, 2026 · 4.16% APY · checked 3 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
36 Month Share Certificate
$500
4.08%
▲ 1.75% above West Virginia avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 1.75% above avgNationally 2.81%
Details
Add .10% to the rate for $50,000 to $74,999.99; Add .20% to the rate for $75,000 and over
Rate History
2 changes since Sep 14, 2026 · 3.56% → 4.08% ▲ 0.52 pts · high 4.08% / low 3.56%
- Oct 5, 20264.08%▲ from 3.82%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 36 Months
$500
4.06%
▲ 1.73% above West Virginia avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 1.73% above avgNationally 2.81%
Details
Early withdrawal penalty applies.
Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 4 times
FNB Bank, Inc. Romney, WV
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
36 MONTH CD SPECIAL
$1,000
4.00%
▲ 1.67% above West Virginia avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.33%▲ 1.67% above avgNationally 2.81%
Details
Compounding Frequency: Quarterly
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- 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%
Certificate - 36 Month
$0
4.00%
▲ 1.67% above West Virginia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 1.67% above avgNationally 2.81%
Details
*New Money from an outside source*; Early Withdrawal Penalty: 180 Day
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.00% ▼ 0.00 pts · high 4.00% / low 3.00%
- Oct 23, 20264.00%▲ from 3.00%
- Oct 15, 20263.00%▼ from 4.00%
- Sep 14, 20264.00%first recorded
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
Share Certificate - 36 Months
$500
3.81%
▲ 1.48% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 1.48% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 10 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month Traditional & Roth IRA Certificates
$0
3.70%
▲ 1.37% above West Virginia avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 1.37% above avgNationally 2.81%
Details
Balance: $250,000 minimum; Jumbo tier
Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 4 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.74%
Certificates of Deposit - 36 Month
$500
3.61%
▲ 1.28% above West Virginia avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 1.28% above avgNationally 2.81%
Details
APR column shown in rate field; Term ($500 Min)
Rate History
No change since Oct 22, 2026 · 3.61% APY · checked 2 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month Traditional & Roth IRA Certificates
$0
3.60%
▲ 1.27% above West Virginia avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 1.27% above avgNationally 2.81%
Details
Jumbo tier
Rate History
No change since Sep 25, 2026 · 3.60% APY · checked 5 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
Jumbo Traditional & Roth IRA Certificate - 36 Month
$0
3.60%
▲ 1.27% above West Virginia avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 1.27% above avgNationally 2.81%
Details
Balance: $100,000 minimum; Dividend Rate 3.545%
Rate History
No change since Oct 15, 2026 · 3.60% APY · checked 2 times
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
36 Month IRA Certificate
$500
3.60%
▲ 1.27% above West Virginia avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 1.27% above avgNationally 2.81%
Details
Term: 36 Month (Paid Monthly); Substantial penalty for early withdrawal
Rate History
No change since Sep 21, 2026 · 3.60% APY · checked 5 times
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate - 36 Month
$0
3.60%
▲ 1.27% above West Virginia avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 1.27% above avgNationally 2.81%
Details
Paid Monthly
Rate History
No change since Oct 15, 2026 · 3.60% APY · checked 2 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
36 Month Jumbo Certificate
$100,000
3.55%
▲ 1.22% above West Virginia avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 1.22% above avgNationally 2.81%
Details
Dividend rate shown under APR column; minimum deposit $100,000; subject to early withdrawal penalty; effective October 1, 2026
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
Traditional & Roth IRA Certificate - 36 Month
$0
3.50%
▲ 1.17% above West Virginia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 1.17% above avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
Share Certificate - 36 Months
$100
3.50%
▲ 1.17% above West Virginia avg
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 1.17% above avgNationally 2.81%
Details
Dividend rate (APR) column; Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty
Rate History
No change since Sep 17, 2026 · 3.50% APY · checked 3 times
WV National Guard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3 Year CD Specials
$0
3.45%
▲ 1.12% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 1.12% above avgNationally 2.81%
Details
Penalties applied for early withdrawal, which may decrease earnings
Rate History
No change since Sep 21, 2026 · 3.45% APY · checked 5 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
36 Month Jumbo Share Certificate
$100,000
3.31%
▲ 0.98% above West Virginia avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.98% above avgNationally 2.81%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.31% APY · checked 2 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
36 Month IRA Share Certificate
$500
3.30%
▲ 0.97% above West Virginia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.97% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.14% → 3.30% ▲ 0.16 pts · high 3.30% / low 3.14%
- 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%
▲ 0.97% above West Virginia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.97% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.14% → 3.30% ▲ 0.16 pts · high 3.30% / low 3.14%
- 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%
Jumbo IRA Certificate - 3 Years - Peoples Preferred Club
$0
3.30%
▲ 0.97% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.97% above avgNationally 2.81%
Details
Balance: $200,000.00 and over; Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
- Sep 25, 20263.30%▲ from 3.05%
- Sep 14, 20263.05%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo Share Certificate 3 Years - Peoples Preferred Club
$0
3.30%
▲ 0.97% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.97% above avgNationally 2.81%
Details
Peoples Preferred Club APY; Balance: $200,000.00 and over; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
- Sep 25, 20263.30%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Share Certificate - 36 Months
$0
3.25%
▲ 0.92% above West Virginia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.92% above avgNationally 2.81%
Details
Balance: $500+; Minimum Deposit $500+
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 6 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo IRA Certificate - 3 Years - Peoples Preferred Club
$0
3.25%
▲ 0.92% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.92% above avgNationally 2.81%
Details
Balance: $150,000.00 - $199,999.99; Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 3.05% → 3.25% ▲ 0.20 pts · high 3.25% / low 3.05%
- Sep 25, 20263.25%▲ from 3.05%
- Sep 14, 20263.05%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo Share Certificate 3 Years - Peoples Preferred Club
$0
3.25%
▲ 0.92% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.92% above avgNationally 2.81%
Details
Peoples Preferred Club APY; Balance: $150,000.00 - $199,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.25% ▲ 0.20 pts · high 3.25% / low 3.05%
- Sep 25, 20263.25%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
36 Month Share Certificate
$500
3.21%
▲ 0.88% above West Virginia avg
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.88% above avgNationally 2.81%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.31% → 3.21% ▼ 0.10 pts · high 3.31% / low 3.21%
- Oct 15, 20263.21%▼ from 3.31%
- Sep 25, 20263.31%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo IRA Certificate - 3 Years
$0
3.20%
▲ 0.87% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.87% above avgNationally 2.81%
Details
Balance: $200,000.00 and over; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
No change since Oct 15, 2026 · 3.20% APY · checked 2 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo Share Certificate 3 Years
$0
3.20%
▲ 0.87% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.87% above avgNationally 2.81%
Details
Balance: $200,000.00 and over; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
2 changes since Sep 14, 2026 · 2.94% → 3.20% ▲ 0.26 pts · high 3.20% / low 2.94%
- Sep 25, 20263.20%▲ from 3.05%
- Sep 21, 20263.05%▲ from 2.94%
- Sep 14, 20262.94%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo IRA Certificate - 3 Years
$0
3.15%
▲ 0.82% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.82% above avgNationally 2.81%
Details
Balance: $150,000.00 - $199,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
No change since Oct 15, 2026 · 3.15% APY · checked 2 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo Share Certificate 3 Years
$0
3.15%
▲ 0.82% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.82% above avgNationally 2.81%
Details
Balance: $150,000.00 - $199,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
2 changes since Sep 14, 2026 · 2.94% → 3.15% ▲ 0.21 pts · high 3.15% / low 2.94%
- Sep 25, 20263.15%▲ from 3.05%
- Sep 21, 20263.05%▲ from 2.94%
- Sep 14, 20262.94%first recorded
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
36 Month Certificate of Deposit
$0
3.10%
▲ 0.77% above West Virginia avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.33%▲ 0.77% 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 3 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
3-year IRA Certificate - Peoples Preferred Club
$1,000
3.05%
▲ 0.72% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.72% above avgNationally 2.81%
Details
Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 21, 2026 · 2.79% → 3.05% ▲ 0.26 pts · high 3.05% / low 2.79%
- Sep 25, 20263.05%▲ from 2.79%
- Sep 21, 20262.79%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
3-year Share Certificate - Peoples Preferred Club
$1,000
3.05%
▲ 0.72% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.72% above avgNationally 2.81%
Details
Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 2.79% → 3.05% ▲ 0.26 pts · high 3.05% / low 2.79%
- Sep 25, 20263.05%▲ from 2.79%
- Sep 18, 20262.79%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo IRA Certificate - 3 Years - Peoples Preferred Club
$0
3.05%
▲ 0.72% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.72% above avgNationally 2.81%
Details
Balance: $100,000.00 - $149,999.99; Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 6 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo Share Certificate 3 Years - Peoples Preferred Club
$0
3.05%
▲ 0.72% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.72% above avgNationally 2.81%
Details
Peoples Preferred Club APY; Balance: $100,000.00 - $149,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 6 times
Huntington FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
36 Month C.D.
$0
3.03%
▲ 0.70% above West Virginia avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.33%▲ 0.70% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 3.03% APY · checked 6 times
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
36 Month Certificate of Deposit
$0
3.00%
▲ 0.67% above West Virginia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.33%▲ 0.67% above avgNationally 2.81%
Details
Balance: Less than $100,000
Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 7 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
36 Month Certificate
$1,000
3.00%
▲ 0.67% above West Virginia avg
▼
Rate2.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.67% above avgNationally 2.81%
Details
Rate History
No change since Oct 5, 2026 · 3.00% APY · checked 3 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional/Roth IRA Certificate - 36 Months
$1,000
3.00%
▲ 0.67% above West Virginia avg
▼
Rate2.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.67% above avgNationally 2.81%
Details
Dividend rate 2.95%; $1,000 minimum investment to open an account
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Certificate - 36 Month
$0
3.00%
▲ 0.67% above West Virginia avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.67% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 180 Day
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 10 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
36 Month Share Certificate
$0
3.00%
▲ 0.67% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
West Virginia Average2.33%▲ 0.67% above avgNationally 2.81%
Details
Share Certificate Rates; $1,000.00 minimum balance; early withdrawal penalty may apply; funds disbursed to shares at maturity
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
3-year IRA Certificate
$1,000
2.94%
▲ 0.61% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.61% above avgNationally 2.81%
Details
Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 2.68% → 2.94% ▲ 0.26 pts · high 2.94% / low 2.68%
- 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
$1,000
2.94%
▲ 0.61% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.61% above avgNationally 2.81%
Details
Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 2.68% → 2.94% ▲ 0.26 pts · high 2.94% / low 2.68%
- 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%
Jumbo IRA Certificate - 3 Years
$0
2.94%
▲ 0.61% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.61% above avgNationally 2.81%
Details
Balance: $100,000.00 - $149,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
No change since Oct 15, 2026 · 2.94% APY · checked 2 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Jumbo Share Certificate 3 Years
$0
2.94%
▲ 0.61% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.33%▲ 0.61% above avgNationally 2.81%
Details
Balance: $100,000.00 - $149,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
No change since Sep 14, 2026 · 2.94% APY · checked 10 times
Junction 48 Month CD Rates
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%
▲ 2.49% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 2.49% above avgNationally 2.81%
Details
Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.60% APY · checked 5 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Jumbo Certificate
$0
4.55%
▲ 2.44% above West Virginia avg
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 2.44% above avgNationally 2.81%
Details
Balance: $250,000
Rate History
No change since Oct 8, 2026 · 4.55% APY · checked 3 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
Jumbo Certificates ($250,000) - 48 month
$0
4.55%
▲ 2.44% above West Virginia avg
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 2.44% above avgNationally 2.81%
Details
Min. Balance Requirement: $250,000
Rate History
No change since Oct 23, 2026 · 4.55% APY
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.55%
▲ 2.44% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 2.44% above avgNationally 2.81%
Details
Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.55% APY · checked 5 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.50%
▲ 2.39% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 2.39% above avgNationally 2.81%
Details
Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 5 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
Jumbo Certificates - 48 month
$0
4.45%
▲ 2.34% above West Virginia avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 2.34% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 4 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.40%
▲ 2.29% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 2.29% above avgNationally 2.81%
Details
Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 5 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificate
$0
4.35%
▲ 2.24% above West Virginia avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 2.24% above avgNationally 2.81%
Details
Rate History
1 change since Sep 25, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
- 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%
48 Month Traditional & Roth IRA Certificates
$0
4.20%
▲ 2.09% above West Virginia avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 2.09% above avgNationally 2.81%
Details
Balance: $250,000 minimum; Jumbo tier
Rate History
No change since Sep 25, 2026 · 4.20% APY · checked 4 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Traditional & Roth IRA Certificates
$0
4.10%
▲ 1.99% above West Virginia avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 1.99% above avgNationally 2.81%
Details
Jumbo tier
Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 5 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
Jumbo Traditional & Roth IRA Certificate - 48 Month
$0
4.10%
▲ 1.99% above West Virginia avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 1.99% above avgNationally 2.81%
Details
Balance: $100,000 minimum; Dividend Rate 4.030%
Rate History
No change since Oct 15, 2026 · 4.10% APY · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 48 Months
$500
4.06%
▲ 1.95% above West Virginia avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 1.95% above avgNationally 2.81%
Details
Early withdrawal penalty applies.
Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 4 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
Traditional & Roth IRA Certificate - 48 Month
$0
4.00%
▲ 1.89% above West Virginia avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 1.89% above avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
48 Month Share Certificate
$500
3.82%
▲ 1.71% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 1.71% above avgNationally 2.81%
Details
Add .10% to the rate for $50,000 to $74,999.99; Add .20% to the rate for $75,000 and over
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
Share Certificate - 48 Months
$500
3.81%
▲ 1.70% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 1.70% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 10 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.74%
Certificates of Deposit - 48 Month
$500
3.71%
▲ 1.60% above West Virginia avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 1.60% above avgNationally 2.81%
Details
APR column shown in rate field; Term ($500 Min)
Rate History
No change since Oct 22, 2026 · 3.71% APY · checked 2 times
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
48 Month IRA Certificate
$500
3.65%
▲ 1.54% above West Virginia avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 1.54% above avgNationally 2.81%
Details
Term: 48 Month (Paid Monthly); Substantial penalty for early withdrawal
Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 5 times
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate - 48 Month
$0
3.65%
▲ 1.54% above West Virginia avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 1.54% above avgNationally 2.81%
Details
Paid Monthly
Rate History
No change since Oct 15, 2026 · 3.65% APY · checked 2 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
48 Month IRA Share Certificate
$500
3.56%
▲ 1.45% above West Virginia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 1.45% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.56% ▲ 0.36 pts · high 3.56% / low 3.20%
- 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%
▲ 1.45% above West Virginia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 1.45% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.56% ▲ 0.36 pts · high 3.56% / low 3.20%
- 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 Certificate
$100,000
3.55%
▲ 1.44% above West Virginia avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 1.44% above avgNationally 2.81%
Details
Dividend rate shown under APR column; minimum deposit $100,000; subject to early withdrawal penalty; effective October 1, 2026
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
Share Certificate - 48 Months
$100
3.50%
▲ 1.39% above West Virginia avg
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 1.39% above avgNationally 2.81%
Details
Dividend rate (APR) column; Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty
Rate History
No change since Sep 17, 2026 · 3.50% APY · checked 3 times
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
48 Month Certificate of Deposit
$0
3.30%
▲ 1.19% above West Virginia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
West Virginia Average2.11%▲ 1.19% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 4 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
48 Month Jumbo Share Certificate
$100,000
3.21%
▲ 1.10% above West Virginia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 1.10% above avgNationally 2.81%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.21% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
48 Month Share Certificate
$500
3.11%
▲ 1.00% above West Virginia avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 1.00% above avgNationally 2.81%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
- Oct 15, 20263.11%▼ from 3.21%
- Sep 25, 20263.21%first recorded
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
48 Month Certificate of Deposit
$0
3.04%
▲ 0.93% above West Virginia avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
West Virginia Average2.11%▲ 0.93% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.04% APY · checked 4 times
FNB Bank, Inc. Romney, WV
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 MONTH IRA (Fixed)
$250
3.00%
▲ 0.89% above West Virginia avg
▼
Rate2.96%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.11%▲ 0.89% above avgNationally 2.81%
Details
Fixed rate; Compounding Frequency: Monthly; Substantial penalty on early withdrawal
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Share Certificate - 48 Months
$0
3.00%
▲ 0.89% above West Virginia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 0.89% above avgNationally 2.81%
Details
Balance: $500+; Minimum Deposit $500+
Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 6 times
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
48 Month Certificate of Deposit
$0
2.94%
▲ 0.83% above West Virginia avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
West Virginia Average2.11%▲ 0.83% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 2.94% APY · checked 4 times
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
4 Year Fixed Rate CD
$500
2.85%
▲ 0.74% above West Virginia avg
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.11%▲ 0.74% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 8 times
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
Individual Retirement Accounts (IRAs) - 4 Year
$500
2.85%
▲ 0.74% above West Virginia avg
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.11%▲ 0.74% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 2.85% APY
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
IRA 4 Year Certificate
$500
2.85%
▲ 0.74% above West Virginia avg
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.11%▲ 0.74% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
48 Month Certificate of Deposit
$0
2.85%
▲ 0.74% above West Virginia avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.11%▲ 0.74% above avgNationally 2.81%
Details
Balance: Greater than or equal to $100,000
Rate History
No change since Sep 11, 2026 · 2.85% APY · checked 3 times
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
48 Month Certificate of Deposit
$0
2.75%
▲ 0.64% above West Virginia avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.11%▲ 0.64% above avgNationally 2.81%
Details
Balance: Less than $100,000
Rate History
No change since Sep 11, 2026 · 2.75% APY · checked 7 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Certificate - 48 months
$0
2.75%
▲ 0.64% above West Virginia avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 0.64% above avgNationally 2.81%
Details
Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
48 Month CD
$0
2.53%
▲ 0.42% above West Virginia avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 0.42% above avgNationally 2.81%
Details
Dividends pay monthly; Penalty for early withdrawal: 90 days of dividend
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 9 times
Community Bank (PA)
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Certificate of Deposit - 48 Months
$500
2.50%
▲ 0.39% above West Virginia avg
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
West Virginia Average2.11%▲ 0.39% above avgNationally 2.81%
Details
Stated APY as of July 29, 2026; early withdrawal penalties apply
Rate History
No change since Oct 20, 2026 · 2.50% APY · checked 2 times
WV National Guard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
4 Year CD Specials
$0
2.50%
▲ 0.39% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 0.39% above avgNationally 2.81%
Details
Penalties applied for early withdrawal, which may decrease earnings
Rate History
No change since Sep 21, 2026 · 2.50% APY · checked 5 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
48 Month Certificate
$1,000
2.50%
▲ 0.39% above West Virginia avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 0.39% above avgNationally 2.81%
Details
Rate History
No change since Oct 5, 2026 · 2.50% APY · checked 3 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional/Roth IRA Certificate - 48 Months
$1,000
2.50%
▲ 0.39% above West Virginia avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 0.39% above avgNationally 2.81%
Details
Dividend rate 2.47%; $1,000 minimum investment to open an account
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
Element Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
4 year CD
$100
2.50%
▲ 0.39% above West Virginia avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 0.39% above avgNationally 2.81%
Details
Insured up to $250,000
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 9 times
Willow Island Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
CDs to Minors - 48 Months
$500
2.48%
▲ 0.37% above West Virginia avg
▼
Rate2.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 0.37% above avgNationally 2.81%
Details
CDs to Minors
Rate History
No change since Oct 12, 2026 · 2.48% APY · checked 2 times
Willow Island Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
48 Month Share Certificate
$1,000
2.45%
▲ 0.34% above West Virginia avg
▼
Rate2.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 0.34% above avgNationally 2.81%
Details
Share Certificates (Regular Shares) - Minimum Deposit $1,000.00; Share Certificates for Minors - Minimum Deposit $500.00 also listed; Rates Effective May 1, 2022
Rate History
1 change since Oct 8, 2026 · 2.48% → 2.45% ▼ 0.03 pts · high 2.48% / low 2.45%
- Oct 23, 20262.45%▼ from 2.48%
- Oct 8, 20262.48%first recorded
Capon Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.21%
48 Month CD
$500
2.37%
▲ 0.26% above West Virginia avg
▼
Rate2.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.11%▲ 0.26% above avgNationally 2.81%
Details
Balance to achieve stated APY: $500.00; Quarterly compounding; A penalty may be imposed for withdrawal before maturity; Rates effective as of September 18, 2026
Rate History
1 change since Sep 14, 2026 · 1.87% → 2.37% ▲ 0.50 pts · high 2.37% / low 1.87%
- 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%
CD 48 Month
$0
2.12%
▲ 0.01% above West Virginia avg
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▲ 0.01% above avgNationally 2.81%
Details
A minimum balance of $5,000 is required on all Certificates.
Rate History
No change since Oct 23, 2026 · 2.12% APY
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Variable Rate IRA 48 Month
$0
2.02%
▼ 0.09% below West Virginia avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.11%▼ 0.09% below avgNationally 2.81%
Details
Individual Retirement Account; rate and APY may change after account is opened
Rate History
No change since Sep 24, 2026 · 2.02% APY · checked 3 times
Huntington FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
48 Month C.D.
$0
2.02%
▼ 0.09% below West Virginia avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.11%▼ 0.09% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 2.02% APY · checked 6 times
Jefferson Security Bank
Institution Rating:
A+4.9 ★Texas Ratio: 0.10%
Business Certificate of Deposit - 48 Months
$500
2.02%
▼ 0.09% below West Virginia avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.11%▼ 0.09% below avgNationally 2.81%
Details
Interest rate fixed for specified term; penalty for early withdrawal
Rate History
No change since Oct 22, 2026 · 2.02% APY · checked 2 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
4 Year Standard Rate CDs
$500
1.90%
▼ 0.21% below West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.11%▼ 0.21% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 1.90% APY · checked 7 times
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.10%
48 Month Certificate Account
$50,000
1.86%
▼ 0.25% below West Virginia avg
▼
Rate1.85%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.11%▼ 0.25% below avgNationally 2.81%
Details
Dividend Rate: 1.85%; Effective as of 10/01/2023
Rate History
No change since Oct 22, 2026 · 1.86% APY · checked 2 times
Junction 60 Month CD Rates
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%
60 Month Share Certificate
$0
4.60%
▲ 2.29% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 2.29% above avgNationally 2.92%
Details
Balance: $250,000.01 and over; Rates effective as of September 16, 2026
Rate History
No change since Oct 13, 2026 · 4.60% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.55%
▲ 2.24% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 2.24% above avgNationally 2.92%
Details
Balance: $100,000-$250,000; Rates effective as of September 16, 2026
Rate History
No change since Oct 13, 2026 · 4.55% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.50%
▲ 2.19% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 2.19% above avgNationally 2.92%
Details
Balance: $10,000-$24,999; Rates effective as of September 16, 2026
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.40%
▲ 2.09% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 2.09% above avgNationally 2.92%
Details
Balance: $1,000-$9,999; Rates effective as of September 16, 2026
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 3 times
First Sentinel Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
60-Month CD/IRA
$500
4.22%
▲ 1.91% above West Virginia avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.31%▲ 1.91% above avgNationally 2.92%
Details
Certificates of Deposit & IRA Special Rates as of 09/23/2026; $500 minimum balance to obtain APY
Rate History
No change since Oct 14, 2026 · 4.22% APY · checked 3 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 60 Months
$500
4.06%
▲ 1.75% above West Virginia avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 1.75% above avgNationally 2.92%
Details
Early withdrawal penalty applies.
Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 4 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
60 Month IRA Share Certificate
$500
3.82%
▲ 1.51% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 1.51% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
- 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%
▲ 1.51% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 1.51% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
- Oct 12, 20263.82%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
60 Month Share Certificate
$500
3.82%
▲ 1.51% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 1.51% above avgNationally 2.92%
Details
Add .10% to the rate for $50,000 to $74,999.99; Add .20% to the rate for $75,000 and over
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
60 Month Certificate of Deposit
$0
3.82%
▲ 1.51% above West Virginia avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
West Virginia Average2.31%▲ 1.51% above avgNationally 2.92%
Details
Rate History
No change since Oct 9, 2026 · 3.82% APY · checked 4 times
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
Share Certificate - 60 Months
$500
3.81%
▲ 1.50% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 1.50% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 10 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.74%
Certificates of Deposit - 60 Month
$500
3.77%
▲ 1.46% above West Virginia avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 1.46% above avgNationally 2.92%
Details
APR column shown in rate field; Term ($500 Min)
Rate History
No change since Oct 22, 2026 · 3.77% APY · checked 2 times
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
60 Month IRA Certificate
$500
3.70%
▲ 1.39% above West Virginia avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 1.39% above avgNationally 2.92%
Details
Term: 60 Month (Paid Monthly); Substantial penalty for early withdrawal
Rate History
No change since Sep 21, 2026 · 3.70% APY · checked 5 times
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate - 60 Month
$0
3.70%
▲ 1.39% above West Virginia avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 1.39% above avgNationally 2.92%
Details
Paid Monthly
Rate History
No change since Oct 15, 2026 · 3.70% APY · checked 2 times
The Bank of Romney
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Certificate - 60 Months
$0
3.56%
▲ 1.25% above West Virginia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.31%▲ 1.25% above avgNationally 2.92%
Details
Daily Min. $1,000.00; Penalty 180 Days
Rate History
No change since Sep 11, 2026 · 3.56% APY · checked 8 times
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
60 Month Certificate of Deposit
$0
3.56%
▲ 1.25% above West Virginia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
West Virginia Average2.31%▲ 1.25% above avgNationally 2.92%
Details
Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 4 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
60 Month Jumbo Certificate
$100,000
3.55%
▲ 1.24% above West Virginia avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 1.24% above avgNationally 2.92%
Details
Dividend rate shown under APR column; minimum deposit $100,000; subject to early withdrawal penalty; effective October 1, 2026
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
Share Certificate - 60 Months
$100
3.50%
▲ 1.19% above West Virginia avg
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 1.19% above avgNationally 2.92%
Details
Dividend rate (APR) column; Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty
Rate History
No change since Sep 17, 2026 · 3.50% APY · checked 3 times
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
60 Month Certificate of Deposit
$0
3.45%
▲ 1.14% above West Virginia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
West Virginia Average2.31%▲ 1.14% above avgNationally 2.92%
Details
Rate History
No change since Oct 9, 2026 · 3.45% APY · checked 4 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
60 Month Jumbo Share Certificate
$100,000
3.21%
▲ 0.90% above West Virginia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 0.90% above avgNationally 2.92%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.21% APY · checked 2 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Jumbo Certificate
$0
3.20%
▲ 0.89% above West Virginia avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 0.89% above avgNationally 2.92%
Details
Balance: $250,000
Rate History
No change since Oct 8, 2026 · 3.20% APY · checked 3 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
Jumbo Certificates ($250,000) - 60 month
$0
3.20%
▲ 0.89% above West Virginia avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 0.89% above avgNationally 2.92%
Details
Min. Balance Requirement: $250,000
Rate History
No change since Oct 23, 2026 · 3.20% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
60 Month Share Certificate
$500
3.11%
▲ 0.80% above West Virginia avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 0.80% above avgNationally 2.92%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
- Oct 15, 20263.11%▼ from 3.21%
- Sep 25, 20263.21%first recorded
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
60 Month Certificate of Deposit
$0
3.10%
▲ 0.79% above West Virginia avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.31%▲ 0.79% above avgNationally 2.92%
Details
Balance: Greater than or equal to $100,000
Rate History
No change since Sep 11, 2026 · 3.10% APY · checked 3 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
Jumbo Certificates - 60 month
$0
3.10%
▲ 0.79% above West Virginia avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 0.79% above avgNationally 2.92%
Details
Rate History
No change since Oct 8, 2026 · 3.10% APY · checked 4 times
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
60 Month Certificate of Deposit
$0
3.00%
▲ 0.69% above West Virginia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.31%▲ 0.69% above avgNationally 2.92%
Details
Balance: Less than $100,000
Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 7 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificate
$0
3.00%
▲ 0.69% above West Virginia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 0.69% above avgNationally 2.92%
Details
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 7 times
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Share Certificate - 60 Months
$0
3.00%
▲ 0.69% above West Virginia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 0.69% above avgNationally 2.92%
Details
Balance: $500+; Minimum Deposit $500+
Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 6 times
WV National Guard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
5 Year CD Specials
$0
3.00%
▲ 0.69% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 0.69% above avgNationally 2.92%
Details
Penalties applied for early withdrawal, which may decrease earnings
Rate History
No change since Sep 21, 2026 · 3.00% APY · checked 5 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Certificate - 60 months
$0
3.00%
▲ 0.69% above West Virginia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 0.69% above avgNationally 2.92%
Details
Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 2 times
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
5 Year Fixed Rate CD
$500
2.95%
▲ 0.64% above West Virginia avg
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.31%▲ 0.64% above avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 8 times
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
Individual Retirement Accounts (IRAs) - 5 Year
$500
2.95%
▲ 0.64% above West Virginia avg
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.31%▲ 0.64% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 2.95% APY
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
IRA 5 Year Certificate
$500
2.95%
▲ 0.64% above West Virginia avg
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.31%▲ 0.64% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 6 times
Community Bank (PA)
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Certificate of Deposit - 60 Months
$500
2.50%
▲ 0.19% above West Virginia avg
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
West Virginia Average2.31%▲ 0.19% above avgNationally 2.92%
Details
Stated APY as of July 29, 2026; early withdrawal penalties apply
Rate History
No change since Oct 20, 2026 · 2.50% APY · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
60 Month Certificate
$1,000
2.50%
▲ 0.19% above West Virginia avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 0.19% above avgNationally 2.92%
Details
Rate History
No change since Oct 5, 2026 · 2.50% APY · checked 3 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional/Roth IRA Certificate - 60 Months
$1,000
2.50%
▲ 0.19% above West Virginia avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 0.19% above avgNationally 2.92%
Details
Dividend rate 2.47%; $1,000 minimum investment to open an account
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
Element Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5 year CD
$100
2.50%
▲ 0.19% above West Virginia avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 0.19% above avgNationally 2.92%
Details
Insured up to $250,000
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 9 times
Capon Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.21%
60 Month CD
$500
2.47%
▲ 0.16% above West Virginia avg
▼
Rate2.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.31%▲ 0.16% above avgNationally 2.92%
Details
Balance to achieve stated APY: $500.00; Quarterly compounding; A penalty may be imposed for withdrawal before maturity; Rates effective as of September 18, 2026
Rate History
1 change since Sep 14, 2026 · 2.02% → 2.47% ▲ 0.45 pts · high 2.47% / low 2.02%
- Sep 24, 20262.47%▲ from 2.02%
- Sep 14, 20262.02%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Continuous Saver Share Certificate
$0
2.35%
▲ 0.04% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▲ 0.04% above avgNationally 2.92%
Details
Balance: $250,000.01+; Dividend Earnings: $31,138.10
Rate History
No change since Oct 5, 2026 · 2.35% APY · checked 4 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Continuous Saver Share Certificate
$0
2.30%
▼ 0.01% below West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▼ 0.01% below avgNationally 2.92%
Details
Balance: $100,000-$250,000; Dividend Earnings: $12,175.00
Rate History
No change since Oct 5, 2026 · 2.30% APY · checked 4 times
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
60 Month CD
$0
2.27%
▼ 0.04% below West Virginia avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▼ 0.04% below avgNationally 2.92%
Details
Dividends pay monthly; Penalty for early withdrawal: 90 days of dividend
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 9 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Continuous Saver Share Certificate
$0
2.25%
▼ 0.06% below West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▼ 0.06% below avgNationally 2.92%
Details
Balance: $10,000-$24,999; Dividend Earnings: $1,189.54
Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 4 times
Alloy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
60 Month IRA Share Certificate
$0
2.25%
▼ 0.06% below West Virginia avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▼ 0.06% below avgNationally 2.92%
Details
Dividend Rate 2.25%; $500 minimum balance to obtain APY; APY based on interest compounded quarterly; Substantial penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Alloy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
60 Month Share Certificate
$0
2.25%
▼ 0.06% below West Virginia avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▼ 0.06% below avgNationally 2.92%
Details
$500 minimum balance to obtain APY; Substantial penalty for early withdrawal; APY based on interest compounded quarterly
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
Alloy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
IRA Share Certificate - 60 Months
$0
2.25%
▼ 0.06% below West Virginia avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▼ 0.06% below avgNationally 2.92%
Details
Dividend Rate 2.25%; $500 minimum balance to obtain APY; Substantial penalty for early withdrawal; APY based on interest compounded quarterly
Rate History
No change since Oct 13, 2026 · 2.25% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Continuous Saver Share Certificate
$0
2.20%
▼ 0.11% below West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▼ 0.11% below avgNationally 2.92%
Details
Balance: $1,000-$9,999; Dividend Earnings: $116.17
Rate History
No change since Oct 5, 2026 · 2.20% APY · checked 4 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Continuous Saver Share Certificate
$0
2.15%
▼ 0.16% below West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
West Virginia Average2.31%▼ 0.16% below avgNationally 2.92%
Details
Balance: $25-$999; Dividend Earnings: $2.83
Rate History
No change since Oct 5, 2026 · 2.15% APY · checked 4 times
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Variable Rate IRA 60 Month
$0
2.02%
▼ 0.29% below West Virginia avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.31%▼ 0.29% below avgNationally 2.92%
Details
Individual Retirement Account; rate and APY may change after account is opened
Rate History
No change since Sep 24, 2026 · 2.02% APY · checked 3 times
Huntington FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
60 Month C.D.
$0
2.02%
▼ 0.29% below West Virginia avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
West Virginia Average2.31%▼ 0.29% below avgNationally 2.92%
Details
Rate History
No change since Sep 24, 2026 · 2.02% APY · checked 6 times
Jefferson Security Bank
Institution Rating:
A+4.9 ★Texas Ratio: 0.10%
Business Certificate of Deposit - 60 Months
$500
2.02%
▼ 0.29% below West Virginia avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
West Virginia Average2.31%▼ 0.29% below avgNationally 2.92%
Details
Interest rate fixed for specified term; penalty for early withdrawal
Rate History
No change since Oct 22, 2026 · 2.02% APY · checked 2 times
Powered by
MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Junction, WV CD Rate Trends
Compare local Junction, 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.
12-Month CD WV Avg
2.670%
▲ 0.094 vs 7 days ago
West Virginia 12-month CD rates rose 0.094 points over the past 7 days to 2.670% APY.
6-Month CD WV Avg
2.241%
▲ 0.105 vs 7 days ago
West Virginia 6-month CD rates rose 0.105 points over the past 7 days to 2.241% APY.
As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
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
2.670%
6-Month Forecast
2.670%
Range: 2.47%, 2.82%
12-Month Forecast
2.920%
Range: 2.72%, 3.07%
Powered by
MonitorBankRates
What Your Savings Earn at WV CD Rates Today
Annual interest earnings at today’s West Virginia average APYs. State average used where available; national average as fallback.
| CD Term | WV Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.297% | $64.86 | $129.71 | $324.28 | $648.55 |
| 6-Month CD | 2.241% | $112.05 | $224.10 | $560.25 | $1,120.50 |
| 12-Month CD | 2.670% | $133.51 | $267.01 | $667.53 | $1,335.05 |
| 18-Month CD | 2.370% | $118.48 | $236.95 | $592.38 | $1,184.75 |
| 24-Month CD | 2.501% | $125.07 | $250.14 | $625.35 | $1,250.70 |
| 36-Month CD | 2.329% | $116.45 | $232.89 | $582.23 | $1,164.45 |
| 48-Month CD | 2.114% | $105.70 | $211.39 | $528.48 | $1,056.95 |
| 60-Month CD | 2.313% | $115.65 | $231.29 | $578.23 | $1,156.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
Powered byMonitorBankRates
Sample CD Ladder for Junction, West Virginia Savers
$25,000 split equally across 5 terms using today’s West Virginia average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | WV Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.297% | $64.86 |
| 2 | 6-Month CD | $5,000 | 2.241% | $112.05 |
| 3 | 12-Month CD | $5,000 | 2.670% | $133.51 |
| 4 | 24-Month CD | $5,000 | 2.501% | $125.07 |
| 5 | 36-Month CD | $5,000 | 2.329% | $116.45 |
| Total ($25,000 invested) | $25,000 | 2.208% blended | $551.94/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
595
CD Rates
Tracked in Junction, West Virginia
Tracked in Junction, West Virginia
32 Banks
39 Credit Unions
About Our Junction, West Virginia CD Rate Database
MonitorBankRates tracks 595 CD rates from 32 banks and 39 credit unions with locations in Junction, 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: Patriot Federal Credit Union offers a CD at 4.60% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Junction, West Virginia.
How to Find the Best CD Rates in Junction, West Virginia
What to compare when shopping for a CD in Junction, West Virginia
To find the best APYs in Junction, West Virginia, start with credit unions and online-only banks: Junction, West Virginia has 39 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 Junction, 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 Junction, West Virginia: 71 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Junction, West Virginia savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Junction, West Virginia money market rates
West Virginia Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
21.0%
National avg: 17.3%
Median Individual Earnings
$40,236
National avg: $47,340
Poverty Rate
16.7%
National avg: 11.1%
Unemployment Rate
5.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$107/yr
At WV 12-mo avg 2.670% APY
21.0% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s WV 12-month CD average of 2.670%, saving 10% of the local median salary ($4,023/year) and putting it in a CD would earn an additional $107 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 Junction, 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 Junction, 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 Junction, 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 Junction, West Virginia as everywhere in the U.S.
Choosing a CD Term in Junction, 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 Junction, 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, Patriot Federal Credit Union is offering its 60 Month Share Certificate at 4.60% 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 Junction, 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 Junction, 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 Junction, 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 Junction, 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 Junction, West Virginia
Most CDs carry a fixed rate that is locked for the entire term, protecting a Junction, 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 Junction, West Virginia
Are CD rates in Junction, West Virginia FDIC insured?
Yes, most established banks in Junction, 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 Junction, 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 Junction, 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 Junction, 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 Junction, West Virginia?
Here are recent top rates found for this area:
- 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)
- Hope Federal Credit Union: 4.35% APY (Share Certificate - 24 Months)
- 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)
- Preston Federal Credit Union: 4.17% APY (Time Share Certificate - 36 Months)
- Desco Federal Credit Union: 4.08% APY (24 Month Share Certificate)
- Huntington FSB: 4.06% APY (12 Month C.D.)
Rates reflect recent verified offers available in Junction, West Virginia. Last Updated: October 23, 2026
Junction, 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 Junction, 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.
CD Calculators for Junction, West Virginia
Junction, West Virginia CD Calculator
At today’s WV top rate of 4.60% APY, a $10,000 deposit earns $460 in the first year. Enter your amount to see your exact return.
Junction, West Virginia CD LadderWV CD rates currently range from 1.297% (3-month) to 2.329% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Junction, West Virginia CD at 4.60% 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 SavingsWest Virginia’s average 12-month CD is 2.670% 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 Junction, 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 Junction, 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 Junction, 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 23, 2026
Junction, West Virginia Rates & Resources
Junction, West Virginia Mortgage Rates
Junction, West Virginia Refinance Rates
Junction, West Virginia Home Equity Loan Rates
Junction, West Virginia Savings Rates
Junction, West Virginia Money Market Rates
Junction, West Virginia Checking Rates
Junction, West Virginia Auto Loan Rates
Junction, West Virginia Personal Loan Rates
Junction, West Virginia Homeowners Insurance
Junction, West Virginia Car Insurance
Rate Assistant
MonitorBankRates.com · Live Data
Try asking