Reader, West Virginia (WV) Savings Rates - March 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 Reader, West Virginia and the surrounding area include Riverview Federal Credit UnionRiverview Federal Credit Union502 Grand Central Ave, Vienna, WV 26105A+5.0 ★Texas Ratio: 5.99% Youth Savings (Prime Savers) at 5.00% APY, Fairmont Federal Credit UnionFairmont Federal Credit Union2 The Credit Union Way, Fairmont, WV 26554 1567A+5.0 ★Texas Ratio: 2.76% Youth Savings Challenge Club at 5.00% APY, Justice Federal Credit UnionJustice Federal Credit Union1000 Custer Hollow Dr, Clarksburg, WV 26306 0001A5.0 ★Texas Ratio: 9.17% FREEDOM DIRECT SAVINGS at 4.00% APY, The Bank of RomneyThe Bank of Romney95 E Main St, Romney, WV 26757B+4.7 ★Texas Ratio: 18.78% MMA at 3.87% APY, and PNC BankPNC Bank1550 University Ave, Morgantown, WV 26506A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY.
To see how these savings rates in Reader, 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 Reader, West Virginia (WV) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Reader, West Virginia and the surrounding area. Last Updated and Verified: March 21, 2026
Reader, WV Savings Rate Trends
Compare local Reader, WV savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — WV Avg
2.272%
West Virginia high-yield savings rates currently average 2.272% APY based on data from institutions in our monitoring network.
Standard Savings — WV Avg
0.341%
West Virginia standard savings rates currently average 0.341% APY based on data from institutions in our monitoring network.
As of Mar 21, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare the Best Savings Rates in Reader, West Virginia & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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 17, 2026
Details
Qualifying balance up to $1,000.00
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2 The Credit Union Way, Fairmont, WV 26554 1567
Youth Savings Challenge Club
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Qualifying balance up to $500.00
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—
UpdatedMar 20, 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
3.87%
$2,500
▼
Rate3.80%
Min Deposit$2,500
Min Balance—
UpdatedMar 18, 2026
Details
$5.00 fee under $2,500.00
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—
UpdatedMar 18, 2026
Details
$5.00 fee under $2,500.00
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 21, 2026
Details
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—
UpdatedMar 18, 2026
Details
$5.00 fee under $2,500.00
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—
UpdatedMar 18, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
121 N Court St, Harrisville, WV 26362
High-Yield Savings
2.98%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 20, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
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 18, 2026
Details
Balances $25,000.00 or more
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 18, 2026
Details
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—
UpdatedMar 18, 2026
Details
$5.00 fee under $2,500.00
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2 The Credit Union Way, Fairmont, WV 26554 1567
Debit Card Round Up Savings Club
2.50%
$0
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Qualifying balance up to $500.00
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 18, 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 18, 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 20, 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 18, 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 18, 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—
UpdatedMar 18, 2026
Details
$5.00 fee under $2,500.00
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 18, 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 15, 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 15, 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 18, 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 15, 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 15, 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 15, 2026
Details
$10,000.00 and above
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 15, 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 15, 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 15, 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 17, 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—
UpdatedMar 16, 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 17, 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 20, 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 15, 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—
UpdatedMar 18, 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
0.95%
$0
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
1822 7th St, Parkersburg, WV 26101
Share Savings Account
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 18, 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
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2200 WASHINGTON ST E, CHARLESTON, WV 25311 2219
Regular Share Savings
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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—
UpdatedMar 20, 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 18, 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
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 16, 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—
UpdatedMar 18, 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
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 18, 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—
UpdatedMar 18, 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 18, 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—
UpdatedMar 18, 2026
Details
The Citizens Bank of Weston
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
201 Main Ave, Weston, WV 26452
Regular Savings
0.50%
$200
▼
Rate0.50%
Min Deposit$200
Min Balance—
UpdatedMar 18, 2026
Details
Fees may reduce the earnings on this account.; Accounts Offered with Online Account Opening
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—
UpdatedMar 20, 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—
UpdatedMar 20, 2026
Details
Davis Trust Company
Institution Rating:
F2.2 ★Texas Ratio: 48.64%
227 Davis Ave, Elkins, WV 26241
Health Savings Account
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 13, 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—
UpdatedMar 20, 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 18, 2026
Details
Davis Trust Company
Institution Rating:
F2.2 ★Texas Ratio: 48.64%
227 Davis Ave, Elkins, WV 26241
Statement Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 13, 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—
UpdatedMar 20, 2026
Details
Wayne Savings Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
2001 Main St, Wheeling, WV 26003
Christmas Club Savings
0.25%
$5
▼
Rate0.25%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details
First Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
700 Wells St, Sistersville, WV 26175
Community Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 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.
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 Reader, 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 Reader, 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 Reader, 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 Reader, 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 Reader, 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 Reader, 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 Reader, West Virginia?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Reader, West Virginia offer in-person customer service, which some customers prefer.
How do I open a savings account in Reader, 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 Reader, West Virginia
Here are recent savings rates observed in Reader, West Virginia and the surrounding area:
- Riverview Federal Credit Union
Youth Savings (Prime Savers) — 5.00% APY - Fairmont Federal Credit Union
Youth Savings Challenge Club — 5.00% APY - Justice Federal Credit Union
FREEDOM DIRECT SAVINGS — 4.00% APY - The Bank of Romney
MMA — 3.87% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Reader, West Virginia. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 21, 2026
