What are the current interest rates at Ohio Valley Bank Co.?

Current rates for Ohio Valley Bank Co. include: 12-Month CD: 1.01%, 18-Month CD: 4.25%, 24-Month CD: 1.20%, 36-Month CD: 1.30%, 48-Month CD: 1.40%, 60-Month CD: 1.50%, Savings: 0.10%

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Ohio Valley Bank Co. Rates & Review October 2026

Q: How many branches does Ohio Valley Bank Co. operate?

Ohio Valley Bank Co. currently maintains approximately 16 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, Ohio Valley Bank Co. 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, Ohio Valley Bank Co. 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: October 14, 2026

Ohio Valley Bank Co.'s top rates as of October 14, 2026 are 4.25% APY on its 12 thru 18-Month Certificate of Deposit, 0.10% APY on savings, and credit cards from 15.00% APR, according to rates verified by MonitorBankRates. Other Ohio Valley Bank Co. CD rates include 18-Months 18-Month IRA / Roth TDOA at 4.25%, 5 years 5 Year IRA / Roth at 1.50%, and Certificate of Deposit - 5 Year at 1.50%. MonitorBankRates evaluates the financial stability of Ohio Valley Bank Co. with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.78%. Rates last updated and verified on 10/14/2026.

Ohio Valley Bank Co. 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 Ohio Valley Bank Co.? Share your experience about Ohio Valley Bank Co. by leaving a review below, or read customer reviews before you decide to use Ohio Valley Bank Co..

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.78%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

The Ohio Valley Bank Company

420 3rd Ave
Gallipolis, OH 45631

https://www.ovbc.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Ohio Valley Bank Co. CD Rates

Product	Rate	APY	Term
12 thru 18 Month Certificate of Deposit	4.16%	4.25%	12 thru 18 Month
Min Deposit $5,000 Details Limited Time CD Specials; You Choose The Term!; $5,000.00 initial deposit required except those age 18 and under may open with $500; Public funds over $250,000.00 excluded; Effective Date: 10/12/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 4.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
18 Month IRA / Roth TDOA	4.16%	4.25%	18 months
Min Balance $500 Details Individual Retirement Accounts; TDOA; automatically renewable; penalty may apply for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
5 Year IRA / Roth	1.49%	1.50%	5 years
Min Balance $500 Details Individual Retirement Accounts; automatically renewable; penalty may apply for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Certificate of Deposit - 5 Year	1.49%	1.50%	5 Year
Min Balance $2,500 Details Automatically renewable; penalty may be imposed for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
4 Year IRA / Roth	1.39%	1.40%	4 years
Min Balance $500 Details Individual Retirement Accounts; automatically renewable; penalty may apply for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Certificate of Deposit - 4 Year	1.39%	1.40%	4 Year
Min Balance $2,500 Details Automatically renewable; penalty may be imposed for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
3 Year IRA / Roth	1.29%	1.30%	3 years
Min Balance $500 Details Individual Retirement Accounts; automatically renewable; penalty may apply for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Certificate of Deposit - 3 Year	1.29%	1.30%	3 Year
Min Balance $2,500 Details Automatically renewable; penalty may be imposed for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
2 Year IRA / Roth	1.19%	1.20%	2 years
Min Balance $500 Details Individual Retirement Accounts; automatically renewable; penalty may apply for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Certificate of Deposit - 2 Year	1.19%	1.20%	2 Year
Min Balance $2,500 Details Automatically renewable; penalty may be imposed for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
1 Year IRA / Roth	1.00%	1.01%	1 year
Min Balance $500 Details Individual Retirement Accounts; automatically renewable; penalty may apply for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.01% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Certificate of Deposit - 1 Year	1.00%	1.01%	1 Year
Min Balance $2,500 Details Automatically renewable; penalty may be imposed for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.01% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
6 Month IRA / Roth	0.75%	0.75%	6 months
Min Balance $500 Details Individual Retirement Accounts; automatically renewable; penalty may apply for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Certificate of Deposit - 6 Month CD	0.75%	0.75%	6 Month
Min Balance $2,500 Details Automatically renewable; penalty may be imposed for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Certificate of Deposit - 3 Month CD	0.50%	0.50%	3 Month
Min Balance $2,500 Details Automatically renewable; penalty may be imposed for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Certificate of Deposit - 30-89 day CD	0.50%	0.50%	30-89 day
Min Balance $2,500 Details Automatically renewable; penalty may be imposed for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

Ohio Valley Bank Co. Savings Rates

Product	Rate	APY
Christmas Savings	0.10%	0.10%
Min Deposit $20 Details Money Mgt. account; rates in effect until payout; Early Closeout Fee $25.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Vacation Savings	0.10%	0.10%
Min Deposit $20 Details Money Mgt. account; rates in effect until payout; Early Closeout Fee $25.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Statement Savings	0.05%	0.05%
Details Minimum balance $100.00, no minimum for GenNEXT customers (ages 18 and under); $2.00 monthly service charge if average monthly balance is below $100.00; limit of 6 transfers or withdrawals each month Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

Ohio Valley Bank Co. Credit Card Rates

Product	Rate	APR	View More
OVB Visa Platinum Rewards	-	15.00%
Details APR range 15.00% - 17.00%; 15.00% APR for purchases and balance transfers if card limit is $5,000 or greater, 17.00% if less than $5,000; cash advance APR 20.75%; variable rate based on Wall Street Journal Prime +8%; balance transfer fee 3% ($5 minimum) Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 14.75% → 15.00% ▲ 0.25 pts · high 15.00% / low 14.75% Oct 2, 202615.00%▲ from 14.75% Sep 27, 202614.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

Ohio Valley Bank Co. Other Rates

Product	Rate	Points	APY/APR
Business Money Fund	1.39%	-	1.40%
Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Fund	1.88%	-	1.90%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Fund	2.37%	-	2.40%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Fund	2.71%	-	2.75%
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Fund	2.96%	-	3.00%
Min Balance $500,000 Details Balance: $500,000-$999,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Business Money Fund	3.20%	-	3.25%
Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Earnie Now	0.05%	-	0.05%
Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Money Fund	1.39%	-	1.40%
Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Money Fund	1.88%	-	1.90%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
Money Fund	2.37%	-	2.40%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
My Health - HSA	0.05%	-	0.05%
Min Deposit $100 Min Balance $0 Details Balance: $0.00-$9,999.99; HSA eligibility brochure available from an OVB Account Services Representative; $10.00 new account set-up fee; $5.00 quarterly service fee if average quarterly balance is below $100.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
My Health - HSA	0.05%	-	0.05%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000-$49,999.99; HSA eligibility brochure available from an OVB Account Services Representative; $10.00 new account set-up fee; $5.00 quarterly service fee if average quarterly balance is below $100.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
My Health - HSA	0.05%	-	0.05%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000-$99,999.99; HSA eligibility brochure available from an OVB Account Services Representative; $10.00 new account set-up fee; $5.00 quarterly service fee if average quarterly balance is below $100.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%
My Health - HSA	0.10%	-	0.10%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000.00 and over; HSA eligibility brochure available from an OVB Account Services Representative; $10.00 new account set-up fee; $5.00 quarterly service fee if average quarterly balance is below $100.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.78%

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.
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Financial Health History

Ohio Valley Bank Co.’s Texas Ratio rose from 2.03% in Q3 2023 to 10.78% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ 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	$1.6B	10.78%	5.0	A
March 31, 2026	$1.7B	12.11%	5.0	A
December 31, 2025	$1.6B	10.23%	5.0	A
September 30, 2025	$1.6B	2.97%	5.0	A+
June 30, 2025	$1.5B	3.13%	5.0	A+
March 31, 2025	$1.5B	3.32%	5.0	A+
December 31, 2024	$1.5B	3.36%	5.0	A+
September 30, 2024	$1.5B	3.14%	5.0	A+
June 30, 2024	$1.4B	3.71%	5.0	A+
March 31, 2024	$1.4B	2.61%	5.0	A+
December 31, 2023	$1.3B	1.82%	5.0	A+
September 30, 2023	$1.3B	2.03%	5.0	A+

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 Ohio Valley Bank Co. 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 Ohio Valley Bank Co. 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 Ohio Valley Bank Co.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Ohio Valley Bank Co.

Bank Holding Company OHIO VALLEY BANC CORP

Address 420 3rd Ave, Gallipolis, OH 45631 · Gallia

Website https://www.ovbc.com

FDIC Certificate # 384

Established 18720101

FDIC Insurance Date 19340101

Domestic Offices 16

Total Branches 16

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.78%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8874%

Return on Equity (ROE) 8.8100%

Non-Performing Loans (NPL) 1.08%

Total Assets $1,646,225,000

Total Deposits $1,413,087,000

Equity Capital $165,438,000

Net Income $7,213,000

Headquarters Gallipolis

Total Branches and Offices 16

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Ohio Valley Bank Co. earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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

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Frequently Asked Questions About Ohio Valley Bank Co.

How many branches does Ohio Valley Bank Co. operate?

Ohio Valley Bank Co. currently maintains approximately 16 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, Ohio Valley Bank Co. 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, Ohio Valley Bank Co. provides members with tools to manage their accounts and build a solid financial history.

Does Ohio Valley Bank Co. offer online and mobile banking?

Most modern institutions like Ohio Valley Bank Co. 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.ovbc.com.