CD Rates Switchback, West Virginia (WV) for March 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Switchback, West Virginia CD rates include Fairmont Federal Credit UnionFairmont Federal Credit Union2 The Credit Union Way, Fairmont, WV 26554 1567A+5.0 ★Texas Ratio: 2.76% offering Jumbo Certificates 48 month at 4.20% APY, Members Choice WV Federal Credit UnionMembers Choice WV Federal Credit Union201 Ohio Ave, Charleston, WV 25302 2209A+5.0 ★Texas Ratio: 2.17% offering IRA Certificates 2 Year at 4.01% APY, Partners 1st Federal Credit UnionPartners 1st Federal Credit Union1122 US Highway 220 N, Moorefield, WV 26836A+5.0 ★Texas Ratio: 3.82% offering 12-month Promotional Savings Certificate at 4.00% APY, First Priority Federal Credit UnionFirst Priority Federal Credit Union500 Virginia Ave, Huntington, WV 25701A+5.0 ★Texas Ratio: 2.97% offering Share Certificate - 6 MO at 4.00% APY, and Hancock School Employees Federal Credit UnionHancock School Employees Federal Credit Union384 Penco Rd, Weirton, WV 26062A+5.0 ★Texas Ratio: 1.52% offering 36 Month Certificates at 4.00% APY. CD rates as of March 28, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Switchback, West Virginia, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 28, 2026
Compare Best CD Rates in Switchback, West Virginia & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
The Citizens Bank of Weston
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
201 Main Ave, Weston, WV 26452
3 Month CD/IRA
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
18554 Buffalo Road, Buffalo, WV 25033
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 Minimum to Earn APY
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
Certificates 3 Month
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$1,000.00 minimum investment to open account.
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
90 Day Fixed Rate CDS
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5268 Williamsport Pike, Martinsburg, WV 25404
3 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
1.70%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
809 Division St, Parkersburg, WV 26101 6048
Share Certificate & IRA Certificate 3 Month
$0
1.63%
▼
Rate1.62%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
3 month Share Certificate
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
3-Month CD
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
3 MONTH CD
$2,500
0.50%
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
224 Walnut St, Parsons, WV 26287
7-90 Day CD IRA
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
500 Virginia Ave, Huntington, WV 25701
Share Certificate - 6 MO
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
early withdrawal penalty may apply. Funds are disbursed to shares at maturity.
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
201 Ohio Ave, Charleston, WV 25302 2209
6 Month Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
The Citizens Bank of Weston
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
201 Main Ave, Weston, WV 26452
6 Month CD/IRA (Promo)
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2200 WASHINGTON ST E, CHARLESTON, WV 25311 2219
6 Month Certificate of Deposits
$500
3.60%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Preston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
434 E MAIN ST, KINGWOOD, WV 26537 1722
6 Month CD Special
$0
3.56%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Monthly Compounding
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
18554 Buffalo Road, Buffalo, WV 25033
6-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 Minimum to Earn APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1512 Mary Lou Retton Dr, Fairmont, WV 26554
6 month Share Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
6 Month Fixed Rate CDS
$500
2.85%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
419 1st Ave S, Nitro, WV 25143 2313
6-month IRA Certificate
$0
2.53%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Peoples Preferred Club
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5268 Williamsport Pike, Martinsburg, WV 25404
6 Month Share Certificate
$250,000
2.25%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
384 Penco Rd, Weirton, WV 26062
6 Month Certificates
$0
1.75%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
809 Division St, Parkersburg, WV 26101 6048
Share Certificate & IRA Certificate 6 Month
$0
1.68%
▼
Rate1.67%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Union Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1925 Murdoch Ave, Parkersburg, WV 26101 2528
6 Month Certificate
$500
1.51%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
CD = With $100 in your share account.
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
6-Month CD
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
448 Harding Ave, Morgantown, WV 26505
6 Month CD
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Element Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
3418 MacCorkle Ave SE, Charleston, WV 25304
6 month CD
$100
0.75%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
$100 Minimum Deposit Insured up to $250,000
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV 26041 1605
IRA 6 Month
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
201 8th St, Marlinton, WV 24954
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1122 US Highway 220 N, Moorefield, WV 26836
12-month Promotional Savings Certificate
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2 The Credit Union Way, Fairmont, WV 26554 1567
Youth Certificate Special 12 month
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Exchange Bank
Institution Rating:
B-4.2 ★Texas Ratio: 24.32%
1 Heritage Way, White Hall, WV 26554
12 Month Special CD
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Metro Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.95%
215 18th St, Huntington, WV 25703
12 Month CD
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
317 31st ST, Huntington, WV 25702 1417
12 Month Share Certificate / IRA Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
201 Ohio Ave, Charleston, WV 25302 2209
1 Year Share Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
500 Virginia Ave, Huntington, WV 25701
Share Certificate - 12 MO
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
early withdrawal penalty may apply. Funds are disbursed to shares at maturity.
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
419 1st Ave S, Nitro, WV 25143 2313
Jumbo IRA Certificates 1 Year
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Peoples Preferred Club
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
18554 Buffalo Road, Buffalo, WV 25033
12-Month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 Minimum to Earn APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
12 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
300 Summers St, Charleston, WV 25301
12-month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1512 Mary Lou Retton Dr, Fairmont, WV 26554
12 month Share Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Williamstown Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
435 Highland Ave, Williamstown, WV 26187
12 Month CD & IRAs
$1,000
2.90%
▼
Rate2.87%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
1 Year Fixed Rate CDS
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Davis Trust Company
Institution Rating:
F2.2 ★Texas Ratio: 48.64%
227 Davis Ave, Elkins, WV 26241
12 Month Certificate
$1,000
2.42%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5268 Williamsport Pike, Martinsburg, WV 25404
12 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
2.35%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
384 Penco Rd, Weirton, WV 26062
12 Month Certificates
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
809 Division St, Parkersburg, WV 26101 6048
Share Certificate & IRA Certificate 12 Month
$0
1.88%
▼
Rate1.86%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Union Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1925 Murdoch Ave, Parkersburg, WV 26101 2528
12 Month Certificate
$500
1.77%
▼
Rate1.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
CD = With $100 in your share account.
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
12-Month CD
$0
1.15%
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
448 Harding Ave, Morgantown, WV 26505
12 Month CD
$0
1.10%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
901 6th Ave, Huntington, WV 25701
12 Month Certificate IRA
$5,000
1.01%
▼
Rate1.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 28, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
12 MONTH CD
$1,000
0.85%
▼
Rate0.85%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Hancock County SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
351 Carolina Ave, Chester, WV 26034
12 MONTH CERTIFICATE or IRA CD*
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV 26041 1605
IRA 12 Month
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
201 8th St, Marlinton, WV 24954
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $49,000.00
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ohio Valley Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
280 E Main St, Milton, WV 25541
18 MONTH IRA / ROTH TDOA
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
18554 Buffalo Road, Buffalo, WV 25033
IRA Certificate Term 18-Month Variable
$100,000
3.72%
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 Minimum to Earn APY
The Citizens Bank of Weston
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
201 Main Ave, Weston, WV 26452
18 Month CD/IRA
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
419 1st Ave S, Nitro, WV 25143 2313
18-month IRA Certificate
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Peoples Preferred Club
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
18 Month Fixed Rate CDS
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Davis Trust Company
Institution Rating:
F2.2 ★Texas Ratio: 48.64%
227 Davis Ave, Elkins, WV 26241
18 Month Certificate
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5268 Williamsport Pike, Martinsburg, WV 25404
18 Month Share Certificate - Traditional IRA or Roth IRA
$0
2.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
384 Penco Rd, Weirton, WV 26062
18 Month Certificates
$0
2.25%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
809 Division St, Parkersburg, WV 26101 6048
Share Certificate & IRA Certificate 18 Month
$0
2.03%
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
18 MONTH IRA (Variable)
$100
1.25%
▼
Rate1.24%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
18-Month CD
$0
1.20%
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Hancock County SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
351 Carolina Ave, Chester, WV 26034
18 MONTH CERTIFICATE or IRA CD*
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV 26041 1605
IRA 18 Month
$1,000
0.40%
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First Exchange Bank
Institution Rating:
B-4.2 ★Texas Ratio: 24.32%
1 Heritage Way, White Hall, WV 26554
18 Month CD
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
201 Ohio Ave, Charleston, WV 25302 2209
IRA Certificates 2 Year
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2 The Credit Union Way, Fairmont, WV 26554 1567
Jumbo Certificates 24 month
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Exchange Bank
Institution Rating:
B-4.2 ★Texas Ratio: 24.32%
1 Heritage Way, White Hall, WV 26554
24 Month Special CD
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
18554 Buffalo Road, Buffalo, WV 25033
24-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 Minimum to Earn APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
24 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
419 1st Ave S, Nitro, WV 25143 2313
2-year IRA Certificate
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Peoples Preferred Club
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
500 Virginia Ave, Huntington, WV 25701
Share Certificate - 24 MO
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
early withdrawal penalty may apply. Funds are disbursed to shares at maturity.
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5268 Williamsport Pike, Martinsburg, WV 25404
24 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
2.75%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
Davis Trust Company
Institution Rating:
F2.2 ★Texas Ratio: 48.64%
227 Davis Ave, Elkins, WV 26241
24 Month Certificate
$1,000
2.63%
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Metro Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.95%
215 18th St, Huntington, WV 25703
24 Month CD
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
317 31st ST, Huntington, WV 25702 1417
24 Month Share Certificate / IRA Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
384 Penco Rd, Weirton, WV 26062
24 Month Certificates
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
809 Division St, Parkersburg, WV 26101 6048
Share Certificate & IRA Certificate 24 Month
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Union Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1925 Murdoch Ave, Parkersburg, WV 26101 2528
24 Month Certificate
$500
2.28%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
CD = With $100 in your share account.
Element Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
3418 MacCorkle Ave SE, Charleston, WV 25304
2 year CD
$100
2.25%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
$100 Minimum Deposit Insured up to $250,000
Williamstown Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
435 Highland Ave, Williamstown, WV 26187
24 Month CD & IRAs
$1,000
2.00%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
24-Month CD
$0
1.25%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
448 Harding Ave, Morgantown, WV 26505
24 Month CD
$0
1.20%
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
901 6th Ave, Huntington, WV 25701
24 Month Certificate IRA
$5,000
1.16%
▼
Rate1.15%
Min Deposit$5,000
Min Balance—
UpdatedMar 28, 2026
Details
Hancock County SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
351 Carolina Ave, Chester, WV 26034
24 MONTH CERTIFICATE or IRA CD*
$500
0.60%
▼
Rate0.60%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV 26041 1605
IRA 24 Month
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
384 Penco Rd, Weirton, WV 26062
36 Month Certificates
$0
4.00%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
*New Money from an outside source*
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2 The Credit Union Way, Fairmont, WV 26554 1567
Jumbo Certificates 36 month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
18554 Buffalo Road, Buffalo, WV 25033
IRA Certificate Term 36-Month Variable
$100,000
3.67%
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 Minimum to Earn APY
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5268 Williamsport Pike, Martinsburg, WV 25404
36 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
36 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
500 Virginia Ave, Huntington, WV 25701
Share Certificate - 36 MO
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
early withdrawal penalty may apply. Funds are disbursed to shares at maturity.
Union Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1925 Murdoch Ave, Parkersburg, WV 26101 2528
36 Month Certificate
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
CD = With $100 in your share account.
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
3 Year Fixed Rate CDS
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
419 1st Ave S, Nitro, WV 25143 2313
3-year IRA Certificate
$0
2.68%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Davis Trust Company
Institution Rating:
F2.2 ★Texas Ratio: 48.64%
227 Davis Ave, Elkins, WV 26241
36 Month Certificate
$500
2.63%
▼
Rate2.60%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2200 WASHINGTON ST E, CHARLESTON, WV 25311 2219
36 Month Certificate of Deposits
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
First Exchange Bank
Institution Rating:
B-4.2 ★Texas Ratio: 24.32%
1 Heritage Way, White Hall, WV 26554
36 Month Special CD
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Element Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
3418 MacCorkle Ave SE, Charleston, WV 25304
3 year CD
$100
2.25%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
$100 Minimum Deposit Insured up to $250,000
Metro Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.95%
215 18th St, Huntington, WV 25703
36 Month CD
$0
2.23%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
36-Month CD
$0
1.35%
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
448 Harding Ave, Morgantown, WV 26505
36 Month CD
$0
1.30%
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Hancock County SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
351 Carolina Ave, Chester, WV 26034
36 MONTH CERTIFICATE or IRA CD*
$500
0.65%
▼
Rate0.65%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV 26041 1605
IRA 36 Month
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
317 31st ST, Huntington, WV 25702 1417
36 Month Share Certificate / IRA Certificate
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Williamstown Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
435 Highland Ave, Williamstown, WV 26187
36 Month* CD & IRAs
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2 The Credit Union Way, Fairmont, WV 26554 1567
Jumbo Certificates 48 month
$0
4.20%
▼
Rate4.12%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
18554 Buffalo Road, Buffalo, WV 25033
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 Minimum to Earn APY
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5268 Williamsport Pike, Martinsburg, WV 25404
48 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
48 MONTH IRA (Fixed)
$250
3.00%
▼
Rate2.96%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
4 Year Fixed Rate CDS
$500
2.85%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Element Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
3418 MacCorkle Ave SE, Charleston, WV 25304
4 year CD
$100
2.50%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
$100 Minimum Deposit Insured up to $250,000
Metro Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.95%
215 18th St, Huntington, WV 25703
48 Month CD
$0
2.12%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
48-Month CD
$0
1.45%
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Ohio Valley Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
280 E Main St, Milton, WV 25541
4 YEAR IRA / ROTH
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Hancock County SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
351 Carolina Ave, Chester, WV 26034
48 MONTH CERTIFICATE or IRA CD*
$500
0.75%
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
317 31st ST, Huntington, WV 25702 1417
48 Month Share Certificate / IRA Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Williamstown Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
435 Highland Ave, Williamstown, WV 26187
48 Month CD & IRAs
$500
0.45%
▼
Rate0.45%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
First Exchange Bank
Institution Rating:
B-4.2 ★Texas Ratio: 24.32%
1 Heritage Way, White Hall, WV 26554
48 Month CD
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
18554 Buffalo Road, Buffalo, WV 25033
60-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 Minimum to Earn APY
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5268 Williamsport Pike, Martinsburg, WV 25404
60 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1122 US Highway 220 N, Moorefield, WV 26836
60-month Promotional Savings Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Open to new and existing funds
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2 The Credit Union Way, Fairmont, WV 26554 1567
Jumbo Certificates 60 month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
5 Year Fixed Rate CDS
$500
2.95%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
60 MONTH CD
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Davis Trust Company
Institution Rating:
F2.2 ★Texas Ratio: 48.64%
227 Davis Ave, Elkins, WV 26241
60 Month Certificate
$500
2.73%
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Element Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
3418 MacCorkle Ave SE, Charleston, WV 25304
5 year CD
$100
2.50%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
$100 Minimum Deposit Insured up to $250,000
Metro Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.95%
215 18th St, Huntington, WV 25703
60 Month CD
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
60-Month CD
$0
1.56%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Ohio Valley Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
280 E Main St, Milton, WV 25541
5 YEAR IRA / ROTH
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Hancock County SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
351 Carolina Ave, Chester, WV 26034
60 MONTH CERTIFICATE or IRA CD*
$500
1.00%
▼
Rate0.99%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Williamstown Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
435 Highland Ave, Williamstown, WV 26187
60 Month CD & IRAs
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
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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.
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Switchback, WV CD Rate Trends
Compare local Switchback, WV CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — WV Avg
2.785%
▼ 0.198 from last week
West Virginia 12-month CD rates fell 0.198 points this week to 2.785% APY, down from 2.983% last week.
6-Month CD — WV Avg
2.122%
▼ 0.588 from last week
West Virginia 6-month CD rates fell 0.588 points this week to 2.122% APY, down from 2.710% last week.
As of Mar 28, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Switchback, West Virginia
Are CD rates in Switchback, West Virginia FDIC insured?
Yes, most established banks in Switchback, 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 Switchback, 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 Switchback, 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 Switchback, 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 Switchback, West Virginia?
Here are recent top rates found for this area:
- Fairmont Federal Credit Union: 4.20% APY (Jumbo Certificates 48 month)
- Members Choice WV Federal Credit Union: 4.01% APY (IRA Certificates 2 Year)
- Partners 1st Federal Credit Union: 4.00% APY (12-month Promotional Savings Certificate)
- First Priority Federal Credit Union: 4.00% APY (Share Certificate - 6 MO)
- Hancock School Employees Federal Credit Union: 4.00% APY (36 Month Certificates)
- Ohio Valley Bank Co.: 3.85% APY (18 MONTH IRA / ROTH TDOA)
- First Exchange Bank: 3.75% APY (12 Month Special CD)
- The Citizens Bank of Weston: 3.75% APY (6 Month CD/IRA (Promo))
- UNIFY Financial Federal Credit Union: 3.72% APY (IRA Certificate Term 18-Month Variable)
- Patriot Federal Credit Union: 3.65% APY (36 Month Share Certificate - Traditional IRA or Roth IRA)
Rates reflect recent verified offers available in Switchback, West Virginia. Last Updated: March 28, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Switchback, West Virginia directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Switchback, 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: March 28, 2026
