Morgantown, West Virginia (WV) Savings Rates - April 2026
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The savings 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.
The best savings rates for Morgantown, West Virginia and the surrounding area include Fairmont Federal Credit UnionFairmont Federal Credit Union1254 Pineview Dr, Morgantown, WV 26505 2731A+5.0 ★Texas Ratio: 2.76% Youth Savings Challenge Club at 5.00% APY, The Huntington National BankThe Huntington National Bank201 High St, Morgantown, WV 26505A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 3.55% APY, PNC BankPNC Bank1550 University Ave, Morgantown, WV 26506A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, WVU Employees Federal Credit UnionWVU Employees Federal Credit Union448 Harding Ave, Morgantown, WV 26505A+5.0 ★Texas Ratio: 1.19% Share Savings Accounts at 0.70% APY, and Bayer Heritage Federal Credit UnionBayer Heritage Federal Credit Union788 N State Route 2, New Martinsville, WV 26155A5.0 ★Texas Ratio: 11.87% High Yield savings account at 10.00% APY. Savings rates as of April 4, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Morgantown, West Virginia, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Morgantown, West Virginia (WV) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Morgantown, West Virginia and the surrounding area. Last Updated and Verified: April 4, 2026
Compare the Best Savings Rates in Morgantown, West Virginia & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1254 Pineview Dr, Morgantown, WV 26505 2731
Youth Savings Challenge Club
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $500.00
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
201 High St, Morgantown, WV 26505
High-Yield Savings
3.55%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1550 University Ave, Morgantown, WV 26506
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
201 High St, Morgantown, WV 26505
High-Yield Savings
2.98%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1254 Pineview Dr, Morgantown, WV 26505 2731
Debit Card Round Up Savings Club
2.50%
$0
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $500.00
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
448 Harding Ave, Morgantown, WV 26505
Share Savings Accounts
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
448 Harding Ave, Morgantown, WV 26505
Share Savings Accounts
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
448 Harding Ave, Morgantown, WV 26505
Share Draft Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1254 Pineview Dr, Morgantown, WV 26505 2731
Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
The minimum required to open a share savings account is the purchase of a share in the credit union.
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1254 Pineview Dr, Morgantown, WV 26505 2731
Business Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1550 University Ave, Morgantown, WV 26506
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1550 University Ave, Morgantown, WV 26506
Standard Savings
0.02%
$0
▼
Rate0.02%
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
Share Savings Accounts
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
788 N State Route 2, New Martinsville, WV 26155
High Yield savings account
10.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Qualifying balance up to $1,000.00
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
502 Grand Central Ave, Vienna, WV 26105
Youth Savings (Prime Savers)
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $1,000.00
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
FREEDOM DIRECT SAVINGS
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
when you add Direct Deposit to a new or existing Justice Federal Checking Account.
The Bank of Romney
Institution Rating:
B+4.7 ★Texas Ratio: 18.78%
95 E Main St, Romney, WV 26757
MMA
3.71%
$2,500
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
UpdatedApr 3, 2026
Details
$5.00 fee under $2,500.00; $200,000.00 & ABOVE
The Bank of Romney
Institution Rating:
B+4.7 ★Texas Ratio: 18.78%
95 E Main St, Romney, WV 26757
MMA
3.56%
$2,500
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 3, 2026
Details
$5.00 fee under $2,500.00; $100,000.00 -$199,999.99)
The Bank of Romney
Institution Rating:
B+4.7 ★Texas Ratio: 18.78%
95 E Main St, Romney, WV 26757
MMA
3.04%
$2,500
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 3, 2026
Details
$5.00 fee under $2,500.00; $50,000.00 - $99,999.99
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
Uplift Savings
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Open Online
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
Savings Elite
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
SAVINGSELITE
2.53%
$25,000
▼
Rate2.50%
Min Deposit$25,000
Min Balance—
UpdatedMar 26, 2026
Details
Balances $25,000.00 or more
The Bank of Romney
Institution Rating:
B+4.7 ★Texas Ratio: 18.78%
95 E Main St, Romney, WV 26757
MMA
2.53%
$2,500
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 3, 2026
Details
$5.00 fee under $2,500.00; $25,000.00 - $49,999.99
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
3143 Frankfort Hwy, Ridgeley, WV 26753 8707
Thrift Savings Accounts
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
3143 Frankfort Hwy, Ridgeley, WV 26753 8707
Thrift Savings Accounts
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
105 E Washington St, Shepherdstown, WV 25443
Premier Savings
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
3143 Frankfort Hwy, Ridgeley, WV 26753 8707
Thrift Savings Accounts
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Element Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
3418 MacCorkle Ave SE, Charleston, WV 25304
Teen Savings Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
3143 Frankfort Hwy, Ridgeley, WV 26753 8707
Thrift Savings Accounts
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
The Bank of Romney
Institution Rating:
B+4.7 ★Texas Ratio: 18.78%
95 E Main St, Romney, WV 26757
MMA
1.51%
$2,500
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 3, 2026
Details
$5.00 fee under $2,500.00; $10,000.00 - $24,999.99
First Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
700 Wells St, Sistersville, WV 26175
Community Savings
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
Christmas Savings
1.50%
$15
▼
Rate1.50%
Min Deposit$15
Min Balance—
UpdatedMar 29, 2026
Details
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
3143 Frankfort Hwy, Ridgeley, WV 26753 8707
Thrift Savings Accounts
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
809 Division St, Parkersburg, WV 26101 6048
Premium Savings (Share) Account
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
809 Division St, Parkersburg, WV 26101 6048
Premium Savings (Share) Account
1.35%
$0
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
WEE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
3312 Dudley Ave, Parkersburg, WV 26104 1812
Regular Shares, Christmas Club, Vacation Club, And Summer Club
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
Traditional / Roth IRA Savings
1.25%
$100
▼
Rate1.25%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
809 Division St, Parkersburg, WV 26101 6048
Premium Savings (Share) Account
1.20%
$0
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
WEE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
3312 Dudley Ave, Parkersburg, WV 26104 1812
Regular Shares, Christmas Club, Vacation Club, And Summer Club
1.10%
$0
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
809 Division St, Parkersburg, WV 26101 6048
Premium Savings (Share) Account
1.05%
$0
▼
Rate1.04%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
502 Grand Central Ave, Vienna, WV 26105
Savings
1.01%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
502 Grand Central Ave, Vienna, WV 26105
Health Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2200 WASHINGTON ST E, CHARLESTON, WV 25311 2219
Christmas Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
384 Penco Rd, Weirton, WV 26062
Share Balance
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3871 Robert C Byrd Dr, Beckley, WV 25801
Share Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
105 E Washington St, Shepherdstown, WV 25443
Premier Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
PCB Pendleton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
128 N Main St, Franklin, WV 26807
Cub Club Youth Savings
1.00%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedApr 4, 2026
Details
Earn $5 for A/B honor roll or perfect attendance, credited each grading period.
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
Youth Savings Accounts
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
Savings
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
700 Wells St, Sistersville, WV 26175
Community Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
Business Savings
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
Business Savings
0.65%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
700 Wells St, Sistersville, WV 26175
Community Savings
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV 26104
Business Savings
0.55%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
Youth Savings Accounts
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Davis Trust Company
Institution Rating:
F2.2 ★Texas Ratio: 48.64%
227 Davis Ave, Elkins, WV 26241
Health Savings Account
0.35%
$100
▼
Rate0.35%
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
Youth Savings Accounts
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
Health Savings Account
0.30%
$100
▼
Rate0.30%
Min Deposit$100
Min Balance—
UpdatedMar 26, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Morgantown, 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. Every savings rate displayed 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 Morgantown, West Virginia. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in WV.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Morgantown, West Virginia
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in West Virginia, help your money grow faster through a higher APY.
Are savings accounts in Morgantown, West Virginia safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in West Virginia up to $250,000 per depositor, per institution.
How often do savings rates change in Morgantown, West Virginia?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local West Virginia rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Morgantown, West Virginia may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Morgantown, West Virginia?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Morgantown, West Virginia offer in-person customer service, which some customers prefer.
How do I open a savings account in Morgantown, West Virginia?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Morgantown, West Virginia
Here are recent savings rates observed in Morgantown, West Virginia and the surrounding area:
- Fairmont Federal Credit Union
Youth Savings Challenge Club — 5.00% APY - The Huntington National Bank
High-Yield Savings — 3.55% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - WVU Employees Federal Credit Union
Share Savings Accounts — 0.70% APY - Bayer Heritage Federal Credit Union
High Yield savings account — 10.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Morgantown, West Virginia. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 4, 2026
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