What are the current interest rates at Davis Trust Company?

Current rates for Davis Trust Company include: 12-Month CD: 1.10%, 18-Month CD: 2.63%, 24-Month CD: 2.88%, 36-Month CD: 2.88%, 60-Month CD: 2.93%, Savings: 0.25%, MMA: 0.50%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Banks›
Davis Trust Company

iAdvertiser Disclosure

Davis Trust Company Rates & Review September 2026

Q: How many branches does Davis Trust Company operate?

Davis Trust Company currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Davis Trust Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Davis Trust Company provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

Davis Trust Company's 25-Month Certificate rates are at 4.32%, 13-Month Certificate rates are at 4.01%, 7-Month Certificate rates are at 3.93%, 60-Month Certificate rates are at 2.93%, 24-Month Certificate rates are at 2.88%. Davis Trust Company's savings rates are at 0.25%. Davis Trust Company's money market rates are at 0.50%. MonitorBankRates evaluates the financial stability of Davis Trust Company with a 4.7 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 11.86%. Rates last updated and verified on 09/20/2026.

Davis Trust Company money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Davis Trust Company? Share your experience about Davis Trust Company by leaving a review below, or read customer reviews before you decide to use Davis Trust Company.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

11.86%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Davis Trust Company

227 Davis Ave
Elkins, WV 26241

https://www.davistrust.com

Davis Trust Company CD Rates

Product	Rate	APY	Term
25 Month Certificate	4.25%	4.32%	25 Month
Min Balance $10,000 Last Updated 09/20/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 11.86%
13 Month Certificate	3.95%	4.01%	13 Month
Min Balance $10,000 Last Updated 09/20/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 11.86%
7 Month Certificate	3.90%	3.93%	7 Month
Min Balance $10,000 Last Updated 09/20/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 11.86%
60 Month Certificate	2.90%	2.93%	60 Month
Min Balance $500 Last Updated 09/20/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 11.86%
24 Month Certificate	2.85%	2.88%	24 Month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 11.86%
36 Month Certificate	2.85%	2.88%	36 Month
Min Balance $500 Last Updated 09/20/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 11.86%
30 Month Certificate	2.70%	2.73%	30 Month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 11.86%
12 Month Certificate	2.60%	2.63%	12 Month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 11.86%
18 Month Certificate	2.60%	2.63%	18 Month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 11.86%
182 Day Certificate	2.60%	2.62%	182 Day
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 11.86%
91 Day Certificate	2.50%	2.52%	91 Day
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 11.86%
12 Month Maturity IRA Variable Rate	1.10%	1.10%	12 Month Maturity
Min Balance $500 Last Updated 09/20/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 11.86%

Davis Trust Company Savings Rates

Product	Rate	APY
Christmas Club	2.50%	2.50%
Min Deposit $1 Last Updated 09/20/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 11.86%
Health Savings Account	0.30%	0.30%
Min Deposit $100 Last Updated 09/20/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 11.86%
Statement Savings	0.25%	0.25%
Min Deposit $100 Min Balance $0 Last Updated 09/20/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 11.86%

Davis Trust Company Money Market Rates

Product	Rate	APY	View More
Money Market (Hi-Fi) Account	0.50%	0.50%
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 11.86%

Davis Trust Company Checking Rates

Product	Rate	APY	View More
Checking Plus Account	0.30%	0.30%
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 11.86%

Davis Trust Company Other Rates

Product	Rate	Points	APY/APR
ICS DDA	4.00%	-	4.08%
Min Balance $245,000 Last Updated 09/20/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 11.86%
ICS SAV	4.10%	-	4.18%
Min Balance $100,000 Last Updated 09/20/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 11.86%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Davis Trust Company’s Texas Ratio fell from 48.64% in Q3 2023 to 11.86% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 1.0 to 4.7 and its Health Grade from F to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$275M	11.86%	4.7	A-
March 31, 2026	$270M	21.52%	4.1	B-
December 31, 2025	$263M	12.13%	4.7	A-
September 30, 2025	$263M	4.15%	4.7	A
June 30, 2025	$247M	14.50%	4.8	A-
March 31, 2025	$243M	5.45%	4.6	A
December 31, 2024	$239M	4.78%	4.5	A-
September 30, 2024	$237M	4.68%	4.6	A
June 30, 2024	$238M	14.02%	4.3	B
March 31, 2024	$238M	17.07%	3.9	B-
December 31, 2023	$239M	39.19%	1.8	F
September 30, 2023	$230M	48.64%	1.0	F

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Davis Trust Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Davis Trust Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Davis Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Davis Trust Company

Bank Holding Company DAVIS TRUST FINANCIAL CORP

Address 227 Davis Ave, Elkins, WV 26241 · Randolph

Website https://www.davistrust.com

FDIC Certificate # 2453

Established 19010617

FDIC Insurance Date 19340101

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 91/100

4.7

Excellent Out of 5.0 Stars

11.86%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5707%

Return on Equity (ROE) 8.5200%

Non-Performing Loans (NPL) 0.54%

Total Assets $274,894,000

Total Deposits $204,212,000

Equity Capital $18,490,000

Net Income $769,000

Headquarters Elkins

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Davis Trust Company earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/davis-trust-company-rates-review-2453">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Davis Trust Company yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Davis Trust Company

Frequently Asked Questions About Davis Trust Company

How many branches does Davis Trust Company operate?

Davis Trust Company currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Davis Trust Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Davis Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does Davis Trust Company offer online and mobile banking?

Most modern institutions like Davis Trust Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.davistrust.com.