West Virginia Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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.
West Virginia CD rates range from 0.01% to 5.09% APY, verified by MonitorBankRates as of October 13, 2026. Current West Virginia CD rates include Universal Federal Credit UnionUniversal Federal Credit Union317 31st ST, Huntington, WV 25702 1417A+5.0 ★Texas Ratio: 0.91%Real return: +2.29%APY minus CPI (February 2026) offering 12 Month Share Certificate / IRA Certificate at 5.09% APY, Patriot Federal Credit UnionPatriot Federal Credit Union5268 Williamsport Pike, Martinsburg, WV 25404A+5.0 ★Texas Ratio: 1.50%Real return: +1.80%APY minus CPI (February 2026) offering 48 Month Share Certificate at 4.60% APY, Fairmont Federal Credit UnionFairmont Federal Credit Union2 The Credit Union Way, Fairmont, WV 26554 1567A+5.0 ★Texas Ratio: 4.42%Real return: +1.75%APY minus CPI (February 2026) offering 48 Month Jumbo Certificate at 4.55% APY, SFGI DirectSFGI Direct2402 Mountaineer Blvd, Charleston, WV 25309A5.0 ★Texas Ratio: 7.39%Real return: +1.60%APY minus CPI (February 2026) offering 18-Month CD at 4.40% APY, and Charleston Federal Credit UnionCharleston Federal Credit Union300 VIRGINIA ST E RM 4203, CHARLESTON, WV 25301 2513A+5.0 ★Texas Ratio: 2.93%Real return: +1.53%APY minus CPI (February 2026) offering 12 Month CD Special at 4.33% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in West Virginia side-by-side. West Virginia CD rates currently reach as high as 5.09% APY from Universal Federal Credit Union at 317 31st ST, Huntington, WV 25702 1417. Rates are continually updated, so we recommend checking back frequently.
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: October 13, 2026
Compare Best CD Rates in West Virginia
West Virginia 3 Month CD Rates
MonitorBankRates West Virginia Average · 3 Month CD1.40% APY▼ 0.01% from last weekNational 2.09%
The average 3-month CD rate in West Virginia is 1.40% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
The Citizens Bank of Weston
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
201 Main Ave, Weston, WV 26452
3 Month CD/IRA
$500
3.75%
▲ 2.35% above West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average1.40%▲ 2.35% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
- Sep 24, 20263.75%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Unified Bank Martins Ferry, OH
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
700 7th St, Moundsville, WV 26041
3 Month CD
$1,000
3.71%
▲ 2.31% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▲ 2.31% above avgNationally 2.09%
Details
APY = Annual Percentage Yield. The APY's are accurate as of 10/01/26. CD Rates require a minimum of $1,000 to open and attain the stated APY. Penalty may be imposed for early withdrawal. All rates are subject to change without notice. $1,000 minimum needed to earn the listed APY. Please contact us at 888.275.5566 for current rate information.
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.71% ▲ 0.10 pts · high 3.71% / low 3.61%
- Oct 3, 20263.71%▲ from 3.61%
- Sep 14, 20263.61%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18554 Buffalo Road, Buffalo, WV 25033
3 Month IRA Certificate
$0
3.60%
▲ 2.20% above West Virginia avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average1.40%▲ 2.20% above avgNationally 2.09%
Details
Rate History
No change since Sep 29, 2026 · 3.60% APY
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18554 Buffalo Road, Buffalo, WV 25033
3 Month Share Certificates
$0
3.60%
▲ 2.20% above West Virginia avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average1.40%▲ 2.20% above avgNationally 2.09%
Details
Rate History
No change since Sep 29, 2026 · 3.60% APY
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
Certificates - 3 Month
$1,000
3.30%
▲ 1.90% above West Virginia avg
▼
Rate3.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average1.40%▲ 1.90% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 Washington St, Saint Marys, WV 26170
3 Month Certificate
$0
3.24%
▲ 1.84% above West Virginia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average1.40%▲ 1.84% above avgNationally 2.09%
Details
Rate History
1 change since Sep 7, 2026 · 3.14% → 3.24% ▲ 0.10 pts · high 3.24% / low 3.14%
- Sep 27, 20263.24%▲ from 3.14%
- Sep 7, 20263.14%first recorded
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
90 Day Fixed Rate CD
$500
2.70%
▲ 1.30% above West Virginia avg
▼
Rate2.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average1.40%▲ 1.30% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 6 times
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
300 VIRGINIA ST E RM 4203, CHARLESTON, WV 25301 2513
3 Month Share Certificate
$0
2.22%
▲ 0.82% above West Virginia avg
▼
Rate2.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average1.40%▲ 0.82% above avgNationally 2.09%
Details
$10,000 or more
Rate History
No change since Sep 14, 2026 · 2.22% APY · checked 7 times
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
300 VIRGINIA ST E RM 4203, CHARLESTON, WV 25301 2513
3 Month Share Certificate
$0
2.07%
▲ 0.67% above West Virginia avg
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average1.40%▲ 0.67% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.07% APY · checked 7 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
32 Tygart Valley Mall, Fairmont, WV 26554
3 Month CD
$500
2.00%
▲ 0.60% above West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average1.40%▲ 0.60% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
3 Month Share Certificate
$0
1.70%
▲ 0.30% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average1.40%▲ 0.30% above avgNationally 2.09%
Details
Balance: $250,000.01+; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026
Rate History
No change since Oct 5, 2026 · 1.70% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
3 Month Share Certificate
$0
1.65%
▲ 0.25% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average1.40%▲ 0.25% above avgNationally 2.09%
Details
Balance: $100,000-$250,000; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026
Rate History
No change since Oct 5, 2026 · 1.65% APY · checked 3 times
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
809 Division St, Parkersburg, WV 26101 6048
3 Month Share Certificate
$1,000
1.63%
▲ 0.23% above West Virginia avg
▼
Rate1.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average1.40%▲ 0.23% above avgNationally 2.09%
Details
Rate History
No change since Oct 9, 2026 · 1.63% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
3 Month Share Certificate
$0
1.60%
▲ 0.20% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average1.40%▲ 0.20% above avgNationally 2.09%
Details
Balance: $10,000-$24,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026
Rate History
No change since Oct 5, 2026 · 1.60% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
3 Month Share Certificate
$0
1.50%
▲ 0.10% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average1.40%▲ 0.10% above avgNationally 2.09%
Details
Balance: $1,000-$9,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026
Rate History
No change since Oct 5, 2026 · 1.50% APY · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Jumbo Share Certificate - 3 month
$100,000
1.12%
▼ 0.28% below West Virginia avg
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 0.28% below avgNationally 2.09%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 1.12% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Jumbo Traditional and Roth IRA Certificate - 3 month
$100,000
1.12%
▼ 0.28% below West Virginia avg
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 0.28% below avgNationally 2.09%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 1.12% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Share Certificate - 3 month
$500
1.02%
▼ 0.38% below West Virginia avg
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 0.38% below avgNationally 2.09%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 1.12% → 1.02% ▼ 0.10 pts · high 1.12% / low 1.02%
- Oct 12, 20261.02%▼ from 1.12%
- Sep 25, 20261.12%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Traditional and Roth IRA Certificate - 3 month
$500
1.02%
▼ 0.38% below West Virginia avg
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 0.38% below avgNationally 2.09%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 1.02% APY
Community Bank (PA)
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1701 Warwood Ave, Wheeling, WV 26003
3 Month Certificate of Deposit
$500
1.00%
▼ 0.40% below West Virginia avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average1.40%▼ 0.40% below avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
Capon Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.21%
2 W Main St, Wardensville, WV 26851
3 Month CD
$500
0.85%
▼ 0.55% below West Virginia avg
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 0.55% below avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 0.55% → 0.85% ▲ 0.30 pts · high 0.85% / low 0.55%
- Sep 24, 20260.85%▲ from 0.55%
- Sep 14, 20260.55%first recorded
First Mutual Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
3850 Emerson Ave, Parkersburg, WV 26104
3-Month CD
$500
0.75%
▼ 0.65% below West Virginia avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 0.65% below avgNationally 2.09%
Details
Open Online
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
500 Virginia St E, Charleston, WV 25301
3 Month CD
$500
0.50%
▼ 0.90% below West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average1.40%▼ 0.90% below avgNationally 2.09%
Details
Rate History
No change since Sep 9, 2026 · 0.50% APY · checked 3 times
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
280 E Main St, Milton, WV 25541
3 Month CD
$0
0.50%
▼ 0.90% below West Virginia avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average1.40%▼ 0.90% below avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 7 times
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
380 Market Street, Peterstown, WV 24963
3 Month Certificate
$0
0.40%
▼ 1.00% below West Virginia avg
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average1.40%▼ 1.00% below avgNationally 2.09%
Details
Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 7 times
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
224 Walnut St, Parsons, WV 26287
3 Month Certificate
$500
0.20%
▼ 1.20% below West Virginia avg
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 1.20% below avgNationally 2.09%
Details
Compounding: At Maturity
Rate History
No change since Oct 8, 2026 · 0.20% APY · checked 2 times
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
224 Walnut St, Parsons, WV 26287
7-90 Day Certificate
$500
0.20%
▼ 1.20% below West Virginia avg
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 1.20% below avgNationally 2.09%
Details
Compounding: At Maturity
Rate History
No change since Oct 8, 2026 · 0.20% APY · checked 2 times
Pioneer Appalachia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
1316 Kanawha Blvd E, Charleston, WV 25301
3 Month Share Certificate
$250,000
0.10%
▼ 1.30% below West Virginia avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 1.30% below avgNationally 2.09%
Details
Jumbo Plus APY; Balance: $250,000+
Rate History
No change since Oct 8, 2026 · 0.10% APY · checked 2 times
Pioneer Appalachia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
1316 Kanawha Blvd E, Charleston, WV 25301
3 Month Share Certificate
$100,000
0.07%
▼ 1.33% below West Virginia avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 1.33% below avgNationally 2.09%
Details
Jumbo APY; Balance: $100,000 - $249,999.99
Rate History
No change since Oct 8, 2026 · 0.07% APY · checked 2 times
Pioneer Appalachia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
1316 Kanawha Blvd E, Charleston, WV 25301
3 Month Share Certificate
$500
0.05%
▼ 1.35% below West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average1.40%▼ 1.35% below avgNationally 2.09%
Details
Standard APY; Balance: $500 - $99,999.99
Rate History
No change since Oct 8, 2026 · 0.05% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1550 University Ave, Morgantown, WV 26506
3 Month Certificate of Deposit
$0
0.03%
▼ 1.37% below West Virginia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average1.40%▼ 1.37% below avgNationally 2.09%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1550 University Ave, Morgantown, WV 26506
3 Month Certificate of Deposit
$0
0.02%
▼ 1.38% below West Virginia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average1.40%▼ 1.38% below avgNationally 2.09%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1550 University Ave, Morgantown, WV 26506
3 Month Certificate of Deposit
$0
0.01%
▼ 1.39% below West Virginia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average1.40%▼ 1.39% below avgNationally 2.09%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
West Virginia 6 Month CD Rates
MonitorBankRates West Virginia Average · 6 Month CD2.17% APY▼ 0.04% from last weekNational 2.78%
The average 6-month CD rate in West Virginia is 2.17% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
2402 Mountaineer Blvd, Charleston, WV 25309
6-Month CD
$1,000
4.20%
▲ 2.03% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.17%▲ 2.03% above avgNationally 2.78%
Details
A competitive rate with a shorter commitment
Rate History
1 change since Sep 28, 2026 · 4.09% → 4.20% ▲ 0.11 pts · high 4.20% / low 4.09%
- Oct 7, 20264.20%▲ from 4.09%
- Sep 28, 20264.09%first recorded
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV 25701
Share Certificate - 6 MO
$0
4.00%
▲ 1.83% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▲ 1.83% above avgNationally 2.78%
Details
NOTE: $1,000.00 minimum balance and early withdrawal penalty may apply. Funds are disbursed to shares at maturity.
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
The Citizens Bank of Weston
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
201 Main Ave, Weston, WV 26452
6 Month CD/IRA
$500
3.80%
▲ 1.63% above West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.17%▲ 1.63% above avgNationally 2.78%
Details
Promo
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
201 8th St, Marlinton, WV 24954
6-Month CD
$0
3.75%
▲ 1.58% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
West Virginia Average2.17%▲ 1.58% above avgNationally 2.78%
Details
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
201 8th St, Marlinton, WV 24954
6-Month Term
$1,000
3.75%
▲ 1.58% above West Virginia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
West Virginia Average2.17%▲ 1.58% above avgNationally 2.78%
Details
Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
80 E Main St, Lost Creek, WV 26385
6 Month Certificate of Deposit
$0
3.65%
▲ 1.48% above West Virginia avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.17%▲ 1.48% above avgNationally 2.78%
Details
Balance: Greater than or equal to $100,000
Rate History
No change since Sep 11, 2026 · 3.65% APY · checked 2 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV 25701 2421
Share Certificate - 6 months
$2,500
3.56%
▲ 1.39% above West Virginia avg
▼
Rate3.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▲ 1.39% above avgNationally 2.78%
Details
Add .10% to the rate for $50,000 to $74,999.99; add .20% to the rate for $75,000 and over; certificates must be at least $2,500 to qualify for monthly dividend payments
Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 5 times
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
80 E Main St, Lost Creek, WV 26385
6 Month Certificate of Deposit
$0
3.55%
▲ 1.38% above West Virginia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.17%▲ 1.38% above avgNationally 2.78%
Details
Balance: Less than $100,000
Rate History
No change since Oct 7, 2026 · 3.55% APY
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18554 Buffalo Road, Buffalo, WV 25033
6 Month IRA Certificate
$0
3.45%
▲ 1.28% above West Virginia avg
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.17%▲ 1.28% above avgNationally 2.78%
Details
Rate History
No change since Sep 29, 2026 · 3.45% APY
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18554 Buffalo Road, Buffalo, WV 25033
6 Month Share Certificates
$0
3.45%
▲ 1.28% above West Virginia avg
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.17%▲ 1.28% above avgNationally 2.78%
Details
Rate History
No change since Sep 29, 2026 · 3.45% APY
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
10767 Energy Hwy, Friendly, WV 26146 7512
6 Month Certificate
$500
3.45%
▲ 1.28% above West Virginia avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▲ 1.28% above avgNationally 2.78%
Details
Paid Monthly
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 Washington St, Saint Marys, WV 26170
6 Month Certificate
$0
3.34%
▲ 1.17% above West Virginia avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.17%▲ 1.17% above avgNationally 2.78%
Details
Rate History
1 change since Sep 7, 2026 · 3.24% → 3.34% ▲ 0.10 pts · high 3.34% / low 3.24%
- Sep 27, 20263.34%▲ from 3.24%
- Sep 7, 20263.24%first recorded
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
Certificates - 6 Months
$1,000
3.30%
▲ 1.13% above West Virginia avg
▼
Rate3.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▲ 1.13% above avgNationally 2.78%
Details
Dividends pay at maturity for 6 Month Certificate
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Jumbo Share Certificate - 6 month
$100,000
3.16%
▲ 0.99% above West Virginia avg
▼
Rate3.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▲ 0.99% above avgNationally 2.78%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.16% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Jumbo Traditional and Roth IRA Certificate - 6 month
$100,000
3.16%
▲ 0.99% above West Virginia avg
▼
Rate3.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▲ 0.99% above avgNationally 2.78%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.16% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Share Certificate - 6 month
$500
3.05%
▲ 0.88% above West Virginia avg
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▲ 0.88% above avgNationally 2.78%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.16% → 3.05% ▼ 0.11 pts · high 3.16% / low 3.05%
- Oct 12, 20263.05%▼ from 3.16%
- Sep 25, 20263.16%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Traditional and Roth IRA Certificate - 6 month
$500
3.05%
▲ 0.88% above West Virginia avg
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▲ 0.88% above avgNationally 2.78%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.05% APY
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
1822 7th St, Parkersburg, WV 26101
Share Certificates - 6 Months
$500
3.04%
▲ 0.87% above West Virginia avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▲ 0.87% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 8 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
201 Ohio Ave, Charleston, WV 25302 2209
6 Month Share Certificate
$1,000
3.03%
▲ 0.86% above West Virginia avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▲ 0.86% above avgNationally 2.78%
Details
Minimum $1,000.00 to open; APY is Annual Percentage Yield if left on deposit for full term
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 3 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
201 Ohio Ave, Charleston, WV 25302 2209
IRA Certificates - 6 Month
$1,000
3.03%
▲ 0.86% above West Virginia avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▲ 0.86% above avgNationally 2.78%
Details
Rates effective: September 1st, 2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 2 times
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
801 Ann St, Parkersburg, WV 26101
6 Month CD
$0
3.00%
▲ 0.83% above West Virginia avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▲ 0.83% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1512 Mary Lou Retton Dr, Fairmont, WV 26554
Share Certificate 6 month
$0
3.00%
▲ 0.83% above West Virginia avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▲ 0.83% above avgNationally 2.78%
Details
Share Certificate Accounts; Rates effective 08/11/2023
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
WV National Guard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1512 Coonskin Dr, Charleston, WV 25311 1022
6 Month CD Specials
$0
2.75%
▲ 0.58% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▲ 0.58% above avgNationally 2.78%
Details
Penalties applied for early withdrawal, which may decrease earnings
Rate History
No change since Sep 21, 2026 · 2.75% APY · checked 3 times
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
6 Month Fixed Rate CD
$500
2.70%
▲ 0.53% above West Virginia avg
▼
Rate2.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.17%▲ 0.53% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 6 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
6-month IRA Certificate - Peoples Preferred Club
$1,000
2.63%
▲ 0.46% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▲ 0.46% above avgNationally 2.78%
Details
Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 21, 2026 · 2.53% → 2.63% ▲ 0.10 pts · high 2.63% / low 2.53%
- Sep 25, 20262.63%▲ from 2.53%
- Sep 21, 20262.53%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
6-month Share Certificate - Peoples Preferred Club
$1,000
2.63%
▲ 0.46% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▲ 0.46% above avgNationally 2.78%
Details
Peoples Preferred Club rate. Compounded Daily - Paid Monthly. Penalty may be imposed for early certificate withdrawal.
Rate History
1 change since Sep 18, 2026 · 2.53% → 2.63% ▲ 0.10 pts · high 2.63% / low 2.53%
- Sep 25, 20262.63%▲ from 2.53%
- Sep 18, 20262.53%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV 26726
6 Month IRA Share Certificate
$500
2.53%
▲ 0.36% above West Virginia avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▲ 0.36% above avgNationally 2.78%
Details
IRA Share Certificate; Minimum $500
Rate History
1 change since Sep 14, 2026 · 2.27% → 2.53% ▲ 0.26 pts · high 2.53% / low 2.27%
- Oct 12, 20262.53%▲ from 2.27%
- Sep 14, 20262.27%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV 26726
6 Month Share Certificate
$500
2.53%
▲ 0.36% above West Virginia avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▲ 0.36% above avgNationally 2.78%
Details
Minimum $500
Rate History
1 change since Sep 14, 2026 · 2.27% → 2.53% ▲ 0.26 pts · high 2.53% / low 2.27%
- Oct 12, 20262.53%▲ from 2.27%
- Sep 14, 20262.27%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
6-month IRA Certificate
$1,000
2.53%
▲ 0.36% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▲ 0.36% above avgNationally 2.78%
Details
Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 2.43% → 2.53% ▲ 0.10 pts · high 2.53% / low 2.43%
- Sep 25, 20262.53%▲ from 2.43%
- Sep 14, 20262.43%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
6-month Share Certificate
$1,000
2.53%
▲ 0.36% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▲ 0.36% above avgNationally 2.78%
Details
Compounded Daily - Paid Monthly. Penalty may be imposed for early certificate withdrawal.
Rate History
1 change since Sep 14, 2026 · 2.43% → 2.53% ▲ 0.10 pts · high 2.53% / low 2.43%
- Sep 25, 20262.53%▲ from 2.43%
- Sep 14, 20262.43%first recorded
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
300 VIRGINIA ST E RM 4203, CHARLESTON, WV 25301 2513
6 Month Share Certificate
$0
2.27%
▲ 0.10% above West Virginia avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▲ 0.10% above avgNationally 2.78%
Details
$10,000 or more
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 7 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
32 Tygart Valley Mall, Fairmont, WV 26554
6 Month CD
$500
2.25%
▲ 0.08% above West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.17%▲ 0.08% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
555 W Main St, Romney, WV 26757 1532
6 Month Share Certificate
$500
2.25%
▲ 0.08% above West Virginia avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▲ 0.08% above avgNationally 2.78%
Details
Minimum Deposit $500
Rate History
No change since Sep 12, 2026 · 2.25% APY · checked 4 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
6 Month Share Certificate
$0
2.25%
▲ 0.08% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▲ 0.08% above avgNationally 2.78%
Details
Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Penalty for early withdrawal
Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
6 Month Share Certificate
$0
2.20%
▲ 0.03% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▲ 0.03% above avgNationally 2.78%
Details
Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Penalty for early withdrawal
Rate History
No change since Oct 5, 2026 · 2.20% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
6 Month Share Certificate
$0
2.15%
▼ 0.02% below West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▼ 0.02% below avgNationally 2.78%
Details
Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Penalty for early withdrawal
Rate History
No change since Oct 5, 2026 · 2.15% APY · checked 3 times
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
300 VIRGINIA ST E RM 4203, CHARLESTON, WV 25301 2513
6 Month Share Certificate
$0
2.12%
▼ 0.05% below West Virginia avg
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▼ 0.05% below avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 2.12% APY · checked 7 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
6 Month Share Certificate
$0
2.05%
▼ 0.12% below West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▼ 0.12% below avgNationally 2.78%
Details
Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Penalty for early withdrawal
Rate History
No change since Oct 5, 2026 · 2.05% APY · checked 3 times
CNB Bank Berkeley Springs, WV
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
101 S Washington St, Berkeley Springs, WV 25411
6 Month Certificate
$0
2.00%
▼ 0.17% below West Virginia avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.17%▼ 0.17% below avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
3143 Frankfort Hwy, Ridgeley, WV 26753 8707
6 Month Certificates
$0
2.00%
▼ 0.17% below West Virginia avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▼ 0.17% below avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
500 Virginia St E, Charleston, WV 25301
6 Month CD
$500
1.75%
▼ 0.42% below West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.17%▼ 0.42% below avgNationally 2.78%
Details
Rate History
No change since Sep 9, 2026 · 1.75% APY · checked 3 times
Community Bank (PA)
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1701 Warwood Ave, Wheeling, WV 26003
6 Month Certificate of Deposit
$500
1.75%
▼ 0.42% below West Virginia avg
▼
Rate1.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.17%▼ 0.42% below avgNationally 2.78%
Details
Rate History
No change since Oct 7, 2026 · 1.75% APY · checked 2 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV 26062
6 Month Certificates
$0
1.75%
▼ 0.42% below West Virginia avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▼ 0.42% below avgNationally 2.78%
Details
Early Withdrawal Penalty: 90 Day
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 5 times
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
809 Division St, Parkersburg, WV 26101 6048
6 Month Share Certificate
$1,000
1.68%
▼ 0.49% below West Virginia avg
▼
Rate1.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▼ 0.49% below avgNationally 2.78%
Details
Rate History
No change since Oct 9, 2026 · 1.68% APY · checked 3 times
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
317 31st ST, Huntington, WV 25702 1417
6 Month Share Certificate / IRA Certificate
$0
1.51%
▼ 0.66% below West Virginia avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▼ 0.66% below avgNationally 2.78%
Details
Rate History
No change since Sep 16, 2026 · 1.51% APY · checked 4 times
Union Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
1925 Murdoch Ave, Parkersburg, WV 26101 2528
6 Month Certificate
$500
1.51%
▼ 0.66% below West Virginia avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.17%▼ 0.66% below avgNationally 2.78%
Details
Early withdrawal penalty: 90 Days of Dividends; *APY = Annual Percentage Yield
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
Capon Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.21%
2 W Main St, Wardensville, WV 26851
6 Month CD
$500
1.26%
▼ 0.91% below West Virginia avg
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▼ 0.91% below avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 1.00% → 1.26% ▲ 0.26 pts · high 1.26% / low 1.00%
- Sep 24, 20261.26%▲ from 1.00%
- Sep 14, 20261.00%first recorded
First Mutual Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
3850 Emerson Ave, Parkersburg, WV 26104
6-Month CD
$500
1.00%
▼ 1.17% below West Virginia avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▼ 1.17% below avgNationally 2.78%
Details
Open Online
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
502 Grand Central Ave, Vienna, WV 26105
6 Month Certificate of Deposit
$0
1.00%
▼ 1.17% below West Virginia avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.17%▼ 1.17% below avgNationally 2.78%
Details
Balance: $500
Rate History
No change since Oct 9, 2026 · 1.00% APY · checked 3 times
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
3501 Main St, Weirton, WV 26062
6 Month Certificate
$500
0.80%
▼ 1.37% below West Virginia avg
▼
Rate0.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.17%▼ 1.37% below avgNationally 2.78%
Details
EARLY WITHDRAWAL PENALTY: 90 days dividend penalty
Rate History
No change since Sep 25, 2026 · 0.80% APY · checked 4 times
West Virginia 12 Month CD Rates
MonitorBankRates West Virginia Average · 12 Month CD2.63% APY▼ 0.05% from last weekNational 2.99%
The average 12-month CD rate in West Virginia is 2.63% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
317 31st ST, Huntington, WV 25702 1417
12 Month Share Certificate / IRA Certificate
$0
5.09%
▲ 2.46% above West Virginia avg
▼
Rate5.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 2.46% above avgNationally 2.99%
Details
Rate History
1 change since Sep 16, 2026 · 3.56% → 5.09% ▲ 1.53 pts · high 5.09% / low 3.56%
- Oct 12, 20265.09%▲ from 3.56%
- Sep 16, 20263.56%first recorded
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
12 Month Jumbo Certificate
$0
4.35%
▲ 1.72% above West Virginia avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 1.72% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
300 VIRGINIA ST E RM 4203, CHARLESTON, WV 25301 2513
12 Month CD Special
$0
4.33%
▲ 1.70% above West Virginia avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 1.70% above avgNationally 2.99%
Details
CD Special; $10,000 or more
Rate History
1 change since Sep 29, 2026 · 3.77% → 4.33% ▲ 0.56 pts · high 4.33% / low 3.77%
- Oct 5, 20264.33%▲ from 3.77%
- Sep 29, 20263.77%first recorded
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
2402 Mountaineer Blvd, Charleston, WV 25309
12-Month CD
$1,000
4.30%
▲ 1.67% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.63%▲ 1.67% above avgNationally 2.99%
Details
A strong rate. A full year of predictable growth.
Rate History
1 change since Sep 28, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 7, 20264.30%▲ from 4.20%
- Sep 28, 20264.20%first recorded
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
12 Month Jumbo Certificate
$0
4.25%
▲ 1.62% above West Virginia avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 1.62% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
12 Month Share Certificate
$0
4.15%
▲ 1.52% above West Virginia avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 1.52% above avgNationally 2.99%
Details
Rate History
1 change since Sep 25, 2026 · 3.50% → 4.15% ▲ 0.65 pts · high 4.15% / low 3.50%
- Oct 4, 20264.15%▲ from 3.50%
- Sep 25, 20263.50%first recorded
Huntington FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1049 5th Ave, Huntington, WV 25701
12 Month C.D.
$0
4.06%
▲ 1.43% above West Virginia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.63%▲ 1.43% above avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 4.06% APY · checked 5 times
Alloy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
515 Hinkle Rd, Fayetteville, WV 25840 6903
12 Month IRA Share Certificate - Limited Certificate Special
$1,000
4.00%
▲ 1.37% above West Virginia avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 1.37% above avgNationally 2.99%
Details
Limited Certificate Special; $1,000 & Above; Dividend Rate and APY shown as 4.00 / 4.00; $500 minimum balance to obtain APY; substantial penalty for early withdrawal; APY based on interest compounded quarterly
Rate History
No change since Oct 13, 2026 · 4.00% APY
Alloy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
515 Hinkle Rd, Fayetteville, WV 25840 6903
Limited Certificate Special - 12 Months
$0
4.00%
▲ 1.37% above West Virginia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 1.37% above avgNationally 2.99%
Details
Balance: $1,000 & Above; $500 minimum balance to obtain APY; substantial penalty for early withdrawal; APY based on interest compounded quarterly
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
201 8th St, Marlinton, WV 24954
1-Year CD
$0
4.00%
▲ 1.37% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
West Virginia Average2.63%▲ 1.37% above avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
201 8th St, Marlinton, WV 24954
1-Year Term
$1,000
4.00%
▲ 1.37% above West Virginia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
West Virginia Average2.63%▲ 1.37% above avgNationally 2.99%
Details
Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
First Exchange Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.90%
1 Heritage Way, White Hall, WV 26554
12 Month CD
$10,000
3.85%
▲ 1.22% above West Virginia avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.63%▲ 1.22% above avgNationally 2.99%
Details
Special CD Rate. Limited time offer. For firstDirect Interest, firstDeluxe and firstPremium Interest Account Holders only.
Rate History
1 change since Sep 7, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 3, 20263.85%▲ from 3.75%
- Sep 7, 20263.75%first recorded
First Exchange Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.90%
1 Heritage Way, White Hall, WV 26554
12 Month Special CD
$0
3.85%
▲ 1.22% above West Virginia avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.63%▲ 1.22% above avgNationally 2.99%
Details
Rate History
1 change since Sep 19, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 3, 20263.85%▲ from 3.75%
- Sep 19, 20263.75%first recorded
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
12 Month Youth Certificate Special
$500
3.85%
▲ 1.22% above West Virginia avg
▼
Rate3.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 1.22% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 2 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV 25701 2421
Share Certificate - 12 months
$2,500
3.82%
▲ 1.19% above West Virginia avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 1.19% above avgNationally 2.99%
Details
Add .10% to the rate for $50,000 to $74,999.99; add .20% to the rate for $75,000 and over; certificates must be at least $2,500 to qualify for monthly dividend payments
Rate History
No change since Sep 18, 2026 · 3.82% APY · checked 5 times
First Exchange Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.90%
1 Heritage Way, White Hall, WV 26554
12 Month CD
$500
3.75%
▲ 1.12% above West Virginia avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.63%▲ 1.12% above avgNationally 2.99%
Details
Rate History
1 change since Sep 19, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
- Oct 3, 20263.75%▲ from 3.65%
- Sep 19, 20263.65%first recorded
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
555 W Main St, Romney, WV 26757 1532
12 Month Share Certificate
$500
3.75%
▲ 1.12% above West Virginia avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 1.12% above avgNationally 2.99%
Details
Minimum Deposit $500
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 4 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV 26155
12 Month Jumbo Certificate Specials
$500,000
3.75%
▲ 1.12% above West Virginia avg
▼
Rate3.68%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 1.12% above avgNationally 2.99%
Details
Minimum deposit: May be purchased in any denomination above $500,000; Subject to early withdrawal penalty; Limited quantity
Rate History
1 change since Sep 17, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
- Oct 13, 20263.75%▲ from 3.70%
- Sep 17, 20263.70%first recorded
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
80 E Main St, Lost Creek, WV 26385
12 Month Certificate of Deposit
$0
3.70%
▲ 1.07% above West Virginia avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.63%▲ 1.07% above avgNationally 2.99%
Details
Balance: Greater than or equal to $100,000
Rate History
No change since Sep 11, 2026 · 3.70% APY · checked 2 times
FNB Bank, Inc. Romney, WV
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
105 N High St, Romney, WV 26757
12 MONTH CD SPECIAL
$1,000
3.70%
▲ 1.07% above West Virginia avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 1.07% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
- Sep 24, 20263.70%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV 26155
12 Month Jumbo Certificate Specials
$250,000
3.70%
▲ 1.07% above West Virginia avg
▼
Rate3.63%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 1.07% above avgNationally 2.99%
Details
Certificate term minimum $250,000; Minimum deposit: May be purchased in any denomination above $250,000. Subject to early withdrawal penalty. Limited quantity.
Rate History
No change since Sep 17, 2026 · 3.70% APY · checked 3 times
The Bank of Romney
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
95 E Main St, Romney, WV 26757
12 Months Certificate
$500
3.65%
▲ 1.02% above West Virginia avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.63%▲ 1.02% above avgNationally 2.99%
Details
QTL. Min. $500.00 (Penalty 30 Days)
Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 3 times
Metro Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
215 18th St, Huntington, WV 25703
12 Month CD
$0
3.61%
▲ 0.98% above West Virginia avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 0.98% above avgNationally 2.99%
Details
Minimum balance of $5,000 required on all Certificates
Rate History
No change since Oct 12, 2026 · 3.61% APY
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
80 E Main St, Lost Creek, WV 26385
12 Month Certificate of Deposit
$0
3.60%
▲ 0.97% above West Virginia avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.63%▲ 0.97% above avgNationally 2.99%
Details
Balance: Less than $100,000
Rate History
No change since Oct 7, 2026 · 3.60% APY
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV 26155
Jumbo Certificate - 12 Months
$100,000
3.60%
▲ 0.97% above West Virginia avg
▼
Rate3.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 0.97% above avgNationally 2.99%
Details
Minimum $100,000; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 11 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV 26726 9537
IRA Share Certificate - 12 Months
$500
3.55%
▲ 0.92% above West Virginia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 0.92% above avgNationally 2.99%
Details
Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)
Rate History
No change since Oct 12, 2026 · 3.55% APY
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV 26726 9537
Share Certificate - 12 Months
$500
3.55%
▲ 0.92% above West Virginia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 0.92% above avgNationally 2.99%
Details
Early withdrawal penalty applies.
Rate History
No change since Sep 12, 2026 · 3.55% APY · checked 2 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV 26155
Share & IRA Certificate - 12 Months
$0
3.55%
▲ 0.92% above West Virginia avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 0.92% above avgNationally 2.99%
Details
Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 9 times
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
10767 Energy Hwy, Friendly, WV 26146 7512
12 Month Certificate
$500
3.55%
▲ 0.92% above West Virginia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 0.92% above avgNationally 2.99%
Details
Paid Monthly
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
1 Year Jumbo IRA Certificates
$0
3.51%
▲ 0.88% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 0.88% above avgNationally 2.99%
Details
Balance: $200,000.00 and over; Peoples Preferred Club; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
3 changes since Sep 14, 2026 · 3.41% → 3.51% ▲ 0.10 pts · high 3.51% / low 3.30%
- Oct 5, 20263.51%▲ from 3.41%
- Sep 21, 20263.41%▲ from 3.30%
- Sep 18, 20263.30%▼ from 3.41%
- Sep 14, 20263.41%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
1 Year Jumbo Share Certificates - Peoples Preferred Club
$0
3.51%
▲ 0.88% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 0.88% above avgNationally 2.99%
Details
Peoples Preferred Club APY; Balance: $200,000.00 and over; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 3.41% → 3.51% ▲ 0.10 pts · high 3.51% / low 3.41%
- Sep 25, 20263.51%▲ from 3.41%
- Sep 18, 20263.41%first recorded
WV National Guard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1512 Coonskin Dr, Charleston, WV 25311 1022
1 Year CD Specials
$0
3.50%
▲ 0.87% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 0.87% above avgNationally 2.99%
Details
Penalties applied for early withdrawal, which may decrease earnings
Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 3 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
Certificates - 12 months
$1,000
3.50%
▲ 0.87% above West Virginia avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 0.87% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
Traditional/Roth IRA Certificate - 12 Months
$1,000
3.50%
▲ 0.87% above West Virginia avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 0.87% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV 25701
Share Certificate - 12 MO
$0
3.50%
▲ 0.87% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 0.87% above avgNationally 2.99%
Details
NOTE: $1,000.00 minimum balance and early withdrawal penalty may apply. Funds are disbursed to shares at maturity.
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
1 Year Jumbo IRA Certificates
$0
3.46%
▲ 0.83% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 0.83% above avgNationally 2.99%
Details
Balance: $150,000.00 - $199,999.99; Peoples Preferred Club; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.46% ▲ 0.21 pts · high 3.46% / low 3.25%
- Oct 5, 20263.46%▲ from 3.36%
- Sep 21, 20263.36%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
1 Year Jumbo Share Certificates - Peoples Preferred Club
$0
3.46%
▲ 0.83% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 0.83% above avgNationally 2.99%
Details
Peoples Preferred Club APY; Balance: $150,000.00 - $199,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 3.36% → 3.46% ▲ 0.10 pts · high 3.46% / low 3.36%
- Sep 25, 20263.46%▲ from 3.36%
- Sep 18, 20263.36%first recorded
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 Washington St, Saint Marys, WV 26170
12 Month Certificate
$0
3.44%
▲ 0.81% above West Virginia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.63%▲ 0.81% above avgNationally 2.99%
Details
Rate History
1 change since Sep 7, 2026 · 3.34% → 3.44% ▲ 0.10 pts · high 3.44% / low 3.34%
- Sep 27, 20263.44%▲ from 3.34%
- Sep 7, 20263.34%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
1 Year Jumbo IRA Certificates
$0
3.41%
▲ 0.78% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 0.78% above avgNationally 2.99%
Details
Balance: $200,000.00 and over; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.41% → 3.41% ▼ 0.00 pts · high 3.41% / low 3.30%
- Sep 21, 20263.41%▲ from 3.30%
- Sep 18, 20263.30%▼ from 3.41%
- Sep 14, 20263.41%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
1 Year Jumbo Share Certificates - Peoples Preferred Club
$0
3.41%
▲ 0.78% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 0.78% above avgNationally 2.99%
Details
Peoples Preferred Club APY; Balance: $100,000.00 - $149,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
2 changes since Sep 18, 2026 · 3.41% → 3.41% ▼ 0.00 pts · high 3.46% / low 3.41%
- Oct 13, 20263.41%▼ from 3.46%
- Sep 25, 20263.46%▲ from 3.41%
- Sep 18, 20263.41%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18554 Buffalo Road, Buffalo, WV 25033
12 Month IRA Certificate
$0
3.40%
▲ 0.77% above West Virginia avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.63%▲ 0.77% above avgNationally 2.99%
Details
Rate History
No change since Sep 29, 2026 · 3.40% APY
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18554 Buffalo Road, Buffalo, WV 25033
12 Month Share Certificates
$0
3.40%
▲ 0.77% above West Virginia avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.63%▲ 0.77% above avgNationally 2.99%
Details
Rate History
No change since Sep 29, 2026 · 3.40% APY
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
1 Year Jumbo IRA Certificates
$0
3.36%
▲ 0.73% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 0.73% above avgNationally 2.99%
Details
Balance: $150,000.00 - $199,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.36% ▲ 0.11 pts · high 3.36% / low 3.25%
- Sep 21, 20263.36%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
1 Year Jumbo Share Certificates
$0
3.36%
▲ 0.73% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 0.73% above avgNationally 2.99%
Details
Balance: $150,000.00 - $199,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.36% ▲ 0.11 pts · high 3.36% / low 3.25%
- Sep 21, 20263.36%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Jumbo Share Certificate - 12 month
$100,000
3.31%
▲ 0.68% above West Virginia avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 0.68% above avgNationally 2.99%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.31% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Jumbo Traditional and Roth IRA Certificate - 12 month
$100,000
3.31%
▲ 0.68% above West Virginia avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.63%▲ 0.68% above avgNationally 2.99%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.31% APY
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
1822 7th St, Parkersburg, WV 26101
Share Certificates - 12 Months
$500
3.30%
▲ 0.67% above West Virginia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 0.67% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 8 times
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
448 Harding Ave, Morgantown, WV 26505
12 Month CD
$0
3.30%
▲ 0.67% above West Virginia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 0.67% above avgNationally 2.99%
Details
Penalty for early withdrawals: 90 days of dividend; Dividends pay monthly
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
1 Year Jumbo IRA Certificates
$0
3.30%
▲ 0.67% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 0.67% above avgNationally 2.99%
Details
Balance: $100,000.00 - $149,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
- Sep 21, 20263.30%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
1 Year Jumbo Share Certificates
$0
3.30%
▲ 0.67% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.63%▲ 0.67% above avgNationally 2.99%
Details
Balance: $100,000.00 - $149,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
- Sep 21, 20263.30%▲ from 3.20%
- Sep 14, 20263.20%first recorded
West Virginia 18 Month CD Rates
MonitorBankRates West Virginia Average · 18 Month CD2.38% APY▼ 0.05% from last weekNational 2.87%
The average 18-month CD rate in West Virginia is 2.38% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
2402 Mountaineer Blvd, Charleston, WV 25309
18-Month CD
$1,000
4.40%
▲ 2.02% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.38%▲ 2.02% above avgNationally 2.87%
Details
Our highest featured APY, locked in for longer.
Rate History
1 change since Sep 28, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 7, 20264.40%▲ from 4.30%
- Sep 28, 20264.30%first recorded
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
280 E Main St, Milton, WV 25541
12 thru 18 Month Certificate of Deposit
$5,000
4.25%
▲ 1.87% above West Virginia avg
▼
Rate4.16%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.38%▲ 1.87% above avgNationally 2.87%
Details
All certificates are automatically renewable. $5,000.00 initial deposit required except those age 18 and under may open with $500. The annual percentage yields assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. A.P.Y. = Annual Percentage Yield. Public funds over $250,000.00 excluded from this offer. Effective Date: 10/5/2026
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 6 times
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
280 E Main St, Milton, WV 25541
18 MONTH IRA / ROTH TDOA
$0
4.25%
▲ 1.87% above West Virginia avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.38%▲ 1.87% above avgNationally 2.87%
Details
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 24, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Huntington FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1049 5th Ave, Huntington, WV 25701
18 Month C.D.
$0
3.87%
▲ 1.49% above West Virginia avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.38%▲ 1.49% above avgNationally 2.87%
Details
Rate History
No change since Sep 24, 2026 · 3.87% APY · checked 5 times
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
23 Presidents Street, Fort Ashby, WV 26719
18 MONTH SELECT Certificate of Deposit
$1,000
3.85%
▲ 1.47% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.38%▲ 1.47% above avgNationally 2.87%
Details
Requires a qualifying checking account.
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
23 Presidents Street, Fort Ashby, WV 26719
18-Month M&T Select CD
$0
3.85%
▲ 1.47% above West Virginia avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.38%▲ 1.47% above avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
The Citizens Bank of Weston
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
201 Main Ave, Weston, WV 26452
18 Month CD/IRA
$500
3.85%
▲ 1.47% above West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.38%▲ 1.47% above avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV 25701 2421
Share Certificate - 18 months
$500
3.82%
▲ 1.44% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.38%▲ 1.44% above avgNationally 2.87%
Details
Add .10% to the rate for $50,000 to $74,999.99; add .20% to the rate for $75,000 and over; certificates must be at least $2,500 to qualify for monthly dividend payments
Rate History
No change since Sep 18, 2026 · 3.82% APY · checked 5 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV 26726 9537
IRA Share Certificate - 18 Months
$500
3.80%
▲ 1.42% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▲ 1.42% above avgNationally 2.87%
Details
Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)
Rate History
No change since Oct 12, 2026 · 3.80% APY
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV 26726 9537
Share Certificate - 18 Months
$500
3.80%
▲ 1.42% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▲ 1.42% above avgNationally 2.87%
Details
Early withdrawal penalty applies.
Rate History
No change since Sep 12, 2026 · 3.80% APY · checked 2 times
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
555 W Main St, Romney, WV 26757 1532
18 Month Share Certificate
$500
3.75%
▲ 1.37% above West Virginia avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▲ 1.37% above avgNationally 2.87%
Details
Minimum Deposit $500
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 4 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
18 Month Share Certificate
$0
3.60%
▲ 1.22% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.38%▲ 1.22% above avgNationally 2.87%
Details
Balance: $250,000.01+; Eligible for Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance
Rate History
No change since Oct 5, 2026 · 3.60% APY · checked 2 times
CNB Bank Berkeley Springs, WV
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
101 S Washington St, Berkeley Springs, WV 25411
18 Month Certificate
$0
3.55%
▲ 1.17% above West Virginia avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.38%▲ 1.17% above avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV 26155
Jumbo Certificate - 18 Months
$100,000
3.55%
▲ 1.17% above West Virginia avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.38%▲ 1.17% above avgNationally 2.87%
Details
Minimum $100,000; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 11 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
18 Month Share Certificate
$0
3.55%
▲ 1.17% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.38%▲ 1.17% above avgNationally 2.87%
Details
Balance: $100,000-$250,000; Eligible for Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance
Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 2 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV 26155
Share & IRA Certificate - 18 Month
$0
3.50%
▲ 1.12% above West Virginia avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.38%▲ 1.12% above avgNationally 2.87%
Details
Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
18 Month Share Certificate
$0
3.50%
▲ 1.12% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.38%▲ 1.12% above avgNationally 2.87%
Details
Balance: $10,000-$24,999; Eligible for Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance
Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 2 times
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 Washington St, Saint Marys, WV 26170
18 Month Certificate
$0
3.49%
▲ 1.11% above West Virginia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.38%▲ 1.11% above avgNationally 2.87%
Details
Rate History
1 change since Sep 7, 2026 · 2.02% → 3.49% ▲ 1.47 pts · high 3.49% / low 2.02%
- Sep 27, 20263.49%▲ from 2.02%
- Sep 7, 20262.02%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Jumbo Share Certificate - 18 month
$100,000
3.41%
▲ 1.03% above West Virginia avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▲ 1.03% above avgNationally 2.87%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.41% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Jumbo Traditional and Roth IRA Certificate - 18 month
$100,000
3.41%
▲ 1.03% above West Virginia avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▲ 1.03% above avgNationally 2.87%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.41% APY
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
18 Month Share Certificate
$0
3.40%
▲ 1.02% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.38%▲ 1.02% above avgNationally 2.87%
Details
Balance: $1,000-$9,999; Eligible for Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance
Rate History
No change since Oct 5, 2026 · 3.40% APY · checked 2 times
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18554 Buffalo Road, Buffalo, WV 25033
18 Month IRA Certificate
$0
3.35%
▲ 0.97% above West Virginia avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.38%▲ 0.97% above avgNationally 2.87%
Details
Rate History
No change since Sep 29, 2026 · 3.35% APY
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18554 Buffalo Road, Buffalo, WV 25033
18 Month Share Certificates
$0
3.35%
▲ 0.97% above West Virginia avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.38%▲ 0.97% above avgNationally 2.87%
Details
Rate History
No change since Sep 29, 2026 · 3.35% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Share Certificate - 18 month
$500
3.31%
▲ 0.93% above West Virginia avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▲ 0.93% above avgNationally 2.87%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
- Oct 12, 20263.31%▼ from 3.41%
- Sep 25, 20263.41%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Traditional and Roth IRA Certificate - 18 month
$500
3.31%
▲ 0.93% above West Virginia avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▲ 0.93% above avgNationally 2.87%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.31% APY
The Bank of Romney
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
95 E Main St, Romney, WV 26757
18 Months Certificate
$500
3.30%
▲ 0.92% above West Virginia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.38%▲ 0.92% above avgNationally 2.87%
Details
Daily Min. $500.00 (Penalty 90 Days)
Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
Certificates - 18 Months
$1,000
3.20%
▲ 0.82% above West Virginia avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.38%▲ 0.82% above avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 2 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
18 months Share Certificate - Peoples Preferred Club
$1,000
3.15%
▲ 0.77% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.38%▲ 0.77% above avgNationally 2.87%
Details
Peoples Preferred Club APY; compounded daily, paid monthly; penalty may be imposed for early certificate withdrawal
Rate History
No change since Sep 25, 2026 · 3.15% APY · checked 3 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
18-month IRA Certificate - Peoples Preferred Club
$1,000
3.15%
▲ 0.77% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.38%▲ 0.77% above avgNationally 2.87%
Details
Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 21, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05%
- Sep 25, 20263.15%▲ from 3.05%
- Sep 21, 20263.05%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
18-month Share Certificate - Peoples Preferred Club
$1,000
3.15%
▲ 0.77% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.38%▲ 0.77% above avgNationally 2.87%
Details
Peoples Preferred Club rate. Compounded Daily - Paid Monthly. Penalty may be imposed for early certificate withdrawal.
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05%
- Oct 13, 20263.15%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
18 months Share Certificate
$1,000
3.05%
▲ 0.67% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.38%▲ 0.67% above avgNationally 2.87%
Details
Compounded daily, paid monthly; penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 2.94% → 3.05% ▲ 0.11 pts · high 3.05% / low 2.94%
- Oct 13, 20263.05%▲ from 2.94%
- Sep 14, 20262.94%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
18-month IRA Certificate
$1,000
3.05%
▲ 0.67% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.38%▲ 0.67% above avgNationally 2.87%
Details
Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 2.94% → 3.05% ▲ 0.11 pts · high 3.05% / low 2.94%
- Sep 25, 20263.05%▲ from 2.94%
- Sep 14, 20262.94%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
18-month Share Certificate
$1,000
3.05%
▲ 0.67% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.38%▲ 0.67% above avgNationally 2.87%
Details
Compounded Daily - Paid Monthly. Penalty may be imposed for early certificate withdrawal.
Rate History
1 change since Sep 14, 2026 · 2.94% → 3.05% ▲ 0.11 pts · high 3.05% / low 2.94%
- Sep 25, 20263.05%▲ from 2.94%
- Sep 14, 20262.94%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
201 8th St, Marlinton, WV 24954
18-Month CD
$0
2.75%
▲ 0.37% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
West Virginia Average2.38%▲ 0.37% above avgNationally 2.87%
Details
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
201 8th St, Marlinton, WV 24954
18-Month Term
$1,000
2.75%
▲ 0.37% above West Virginia avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
West Virginia Average2.38%▲ 0.37% above avgNationally 2.87%
Details
Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
Davis Trust Company
Institution Rating:
A-4.7 ★Texas Ratio: 11.86%
227 Davis Ave, Elkins, WV 26241
18 Month Certificate
$0
2.63%
▲ 0.25% above West Virginia avg
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▲ 0.25% above avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 2.63% APY · checked 7 times
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
18 Month Fixed Rate CD
$500
2.60%
▲ 0.22% above West Virginia avg
▼
Rate2.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.38%▲ 0.22% above avgNationally 2.87%
Details
Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 6 times
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
300 VIRGINIA ST E RM 4203, CHARLESTON, WV 25301 2513
18 Month Share Certificate
$0
2.48%
▲ 0.10% above West Virginia avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.38%▲ 0.10% above avgNationally 2.87%
Details
$10,000 or more
Rate History
No change since Sep 14, 2026 · 2.48% APY · checked 7 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
3143 Frankfort Hwy, Ridgeley, WV 26753 8707
18 Month Certificates
$0
2.40%
▲ 0.02% above West Virginia avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.38%▲ 0.02% above avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 8 times
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
300 VIRGINIA ST E RM 4203, CHARLESTON, WV 25301 2513
18 Month Share Certificate
$0
2.32%
▼ 0.06% below West Virginia avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.38%▼ 0.06% below avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 2.32% APY · checked 7 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV 26062
18 Month Certificates
$0
2.25%
▼ 0.13% below West Virginia avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.38%▼ 0.13% below avgNationally 2.87%
Details
Early Withdrawal Penalty: 180 Day
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 5 times
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
809 Division St, Parkersburg, WV 26101 6048
18 Month Share Certificate
$1,000
2.03%
▼ 0.35% below West Virginia avg
▼
Rate2.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.38%▼ 0.35% below avgNationally 2.87%
Details
Rate History
No change since Oct 9, 2026 · 2.03% APY · checked 3 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
500 Virginia St E, Charleston, WV 25301
18 Month CD
$500
1.80%
▼ 0.58% below West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.38%▼ 0.58% below avgNationally 2.87%
Details
Rate History
No change since Sep 9, 2026 · 1.80% APY · checked 3 times
FNB Bank, Inc. Romney, WV
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
105 N High St, Romney, WV 26757
18 MONTH IRA
$100
1.25%
▼ 1.13% below West Virginia avg
▼
Rate1.24%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▼ 1.13% below avgNationally 2.87%
Details
Variable
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 6 times
Lb&t
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
43 Washington Ave, Logan, WV 25601
18 MONTH CD & CD IRA
$500
1.21%
▼ 1.17% below West Virginia avg
▼
Rate1.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.38%▼ 1.17% below avgNationally 2.87%
Details
Early Withdrawal: 3 MO INTEREST
Rate History
No change since Sep 24, 2026 · 1.21% APY · checked 5 times
First Mutual Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
3850 Emerson Ave, Parkersburg, WV 26104
18-Month CD
$500
1.20%
▼ 1.18% below West Virginia avg
▼
Rate1.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▼ 1.18% below avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 6 times
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
3501 Main St, Weirton, WV 26062
18 Month Certificate
$500
0.90%
▼ 1.48% below West Virginia avg
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.38%▼ 1.48% below avgNationally 2.87%
Details
EARLY WITHDRAWAL PENALTY: 180 days dividend penalty
Rate History
No change since Sep 25, 2026 · 0.90% APY · checked 4 times
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
380 Market Street, Peterstown, WV 24963
18 Month IRA Certificate
$0
0.85%
▼ 1.53% below West Virginia avg
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.38%▼ 1.53% below avgNationally 2.87%
Details
Rate History
No change since Sep 24, 2026 · 0.85% APY · checked 5 times
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
380 Market Street, Peterstown, WV 24963
18 Month Certificate
$0
0.75%
▼ 1.63% below West Virginia avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.38%▼ 1.63% below avgNationally 2.87%
Details
Rate History
No change since Sep 11, 2026 · 0.75% APY · checked 7 times
Hancock County SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
351 Carolina Ave, Chester, WV 26034
18 MONTH CERTIFICATE
$500
0.50%
▼ 1.88% below West Virginia avg
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.38%▼ 1.88% below avgNationally 2.87%
Details
Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 2 times
West Virginia 24 Month CD Rates
MonitorBankRates West Virginia Average · 24 Month CD2.48% APY▼ 0.06% from last weekNational 2.88%
The average 24-month CD rate in West Virginia is 2.48% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
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: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
24 Month Jumbo Certificate
$0
4.35%
▲ 1.87% above West Virginia avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 1.87% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
24 Month Share Certificate
$0
4.30%
▲ 1.82% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 1.82% above avgNationally 2.88%
Details
Balance: $250,000.01+; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $24,409.71; Rates effective as of September 15, 2026
Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 3 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
24 Month Jumbo Certificate
$0
4.25%
▲ 1.77% above West Virginia avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 1.77% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
24 Month Share Certificate
$0
4.25%
▲ 1.77% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 1.77% above avgNationally 2.88%
Details
Balance: $100,000-$250,000; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $8,855.36; Rates effective as of September 15, 2026
Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
24 Month Share Certificate
$0
4.20%
▲ 1.72% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 1.72% above avgNationally 2.88%
Details
Balance: $10,000-$24,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $874.69; Rates effective as of September 15, 2026
Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 3 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
24 Month Share Certificate
$0
4.15%
▲ 1.67% above West Virginia avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 1.67% above avgNationally 2.88%
Details
Rate History
1 change since Sep 25, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 4, 20264.15%▲ from 3.75%
- Sep 25, 20263.75%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
24 Month Share Certificate
$0
4.10%
▲ 1.62% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 1.62% above avgNationally 2.88%
Details
Balance: $1,000-$9,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $85.30; Rates effective as of September 15, 2026
Rate History
No change since Oct 5, 2026 · 4.10% APY · checked 3 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV 25701 2421
Share Certificate - 24 months
$500
4.08%
▲ 1.60% above West Virginia avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 1.60% above avgNationally 2.88%
Details
Add .10% to the rate for $50,000 to $74,999.99; add .20% to the rate for $75,000 and over; certificates must be at least $2,500 to qualify for monthly dividend payments
Rate History
1 change since Sep 18, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
- Oct 13, 20264.08%▲ from 3.82%
- Sep 18, 20263.82%first recorded
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV 26726 9537
IRA Share Certificate - 24 Months
$500
4.06%
▲ 1.58% above West Virginia avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 1.58% above avgNationally 2.88%
Details
Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)
Rate History
No change since Oct 12, 2026 · 4.06% APY
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV 26726 9537
Share Certificate - 24 Months
$500
4.06%
▲ 1.58% above West Virginia avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 1.58% above avgNationally 2.88%
Details
Early withdrawal penalty applies.
Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
First Exchange Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.90%
1 Heritage Way, White Hall, WV 26554
24 Month CD
$10,000
4.05%
▲ 1.57% above West Virginia avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.48%▲ 1.57% above avgNationally 2.88%
Details
Special CD Rate. Limited time offer. For firstDirect Interest, firstDeluxe and firstPremium Interest Account Holders only.
Rate History
1 change since Sep 7, 2026 · 3.49% → 4.05% ▲ 0.56 pts · high 4.05% / low 3.49%
- Oct 3, 20264.05%▲ from 3.49%
- Sep 7, 20263.49%first recorded
First Exchange Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.90%
1 Heritage Way, White Hall, WV 26554
24 Month Special CD
$0
4.05%
▲ 1.57% above West Virginia avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.48%▲ 1.57% above avgNationally 2.88%
Details
Rate History
1 change since Sep 19, 2026 · 3.49% → 4.05% ▲ 0.56 pts · high 4.05% / low 3.49%
- Oct 3, 20264.05%▲ from 3.49%
- Sep 19, 20263.49%first recorded
First Exchange Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.90%
1 Heritage Way, White Hall, WV 26554
24 Month CD
$500
3.95%
▲ 1.47% above West Virginia avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.48%▲ 1.47% above avgNationally 2.88%
Details
Rate History
1 change since Sep 19, 2026 · 3.39% → 3.95% ▲ 0.56 pts · high 3.95% / low 3.39%
- Oct 3, 20263.95%▲ from 3.39%
- Sep 19, 20263.39%first recorded
FNB Bank, Inc. Romney, WV
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
105 N High St, Romney, WV 26757
24 MONTH CD SPECIAL
$1,000
3.85%
▲ 1.37% above West Virginia avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 1.37% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 5 times
Hancock County SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
351 Carolina Ave, Chester, WV 26034
24 Month Certificate of IRA CD
$500
3.75%
▲ 1.27% above West Virginia avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.48%▲ 1.27% above avgNationally 2.88%
Details
Balance: $500 $0.01
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
555 W Main St, Romney, WV 26757 1532
24 Month Share Certificate
$0
3.75%
▲ 1.27% above West Virginia avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 1.27% above avgNationally 2.88%
Details
Balance: $500+; Minimum Deposit $500+
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 4 times
The Bank of Romney
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
95 E Main St, Romney, WV 26757
24 Months Certificate
$1,000
3.72%
▲ 1.24% above West Virginia avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.48%▲ 1.24% above avgNationally 2.88%
Details
Daily Min. $1,000.00 (Penalty 90 Days)
Rate History
No change since Oct 7, 2026 · 3.72% APY · checked 2 times
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
1822 7th St, Parkersburg, WV 26101
Share Certificates - 24 Months
$500
3.56%
▲ 1.08% above West Virginia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 1.08% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 8 times
Huntington FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1049 5th Ave, Huntington, WV 25701
24 Month C.D.
$0
3.55%
▲ 1.07% above West Virginia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.48%▲ 1.07% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 5 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
201 Ohio Ave, Charleston, WV 25302 2209
2 Year Share Certificate
$1,000
3.55%
▲ 1.07% above West Virginia avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 1.07% above avgNationally 2.88%
Details
Minimum $1,000.00 to open; APY is Annual Percentage Yield if left on deposit for full term
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
201 Ohio Ave, Charleston, WV 25302 2209
IRA Certificates - 2 Year
$1,000
3.55%
▲ 1.07% above West Virginia avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 1.07% above avgNationally 2.88%
Details
Rates effective: September 1st, 2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV 26155
Jumbo Certificate - 24 Months
$100,000
3.55%
▲ 1.07% above West Virginia avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 1.07% above avgNationally 2.88%
Details
Minimum $100,000; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 11 times
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
10767 Energy Hwy, Friendly, WV 26146 7512
24 Month Certificate
$500
3.55%
▲ 1.07% above West Virginia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 1.07% above avgNationally 2.88%
Details
Paid Monthly
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
10767 Energy Hwy, Friendly, WV 26146 7512
24 Month IRA Certificate
$500
3.55%
▲ 1.07% above West Virginia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 1.07% above avgNationally 2.88%
Details
Paid Monthly; Substantial penalty for early withdrawal
Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 4 times
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 Washington St, Saint Marys, WV 26170
24 Month Certificate
$0
3.52%
▲ 1.04% above West Virginia avg
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.48%▲ 1.04% above avgNationally 2.88%
Details
Rate History
1 change since Sep 7, 2026 · 2.02% → 3.52% ▲ 1.50 pts · high 3.52% / low 2.02%
- Sep 27, 20263.52%▲ from 2.02%
- Sep 7, 20262.02%first recorded
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV 26155
Share & IRA Certificate - 24 Months
$0
3.50%
▲ 1.02% above West Virginia avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 1.02% above avgNationally 2.88%
Details
Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18554 Buffalo Road, Buffalo, WV 25033
24 Month IRA Certificate
$0
3.45%
▲ 0.97% above West Virginia avg
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.48%▲ 0.97% above avgNationally 2.88%
Details
Rate History
No change since Sep 29, 2026 · 3.45% APY
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18554 Buffalo Road, Buffalo, WV 25033
24 Month Share Certificates
$0
3.45%
▲ 0.97% above West Virginia avg
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.48%▲ 0.97% above avgNationally 2.88%
Details
Rate History
No change since Sep 29, 2026 · 3.45% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Jumbo Share Certificate - 24 month
$100,000
3.41%
▲ 0.93% above West Virginia avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 0.93% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.41% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Jumbo Traditional and Roth IRA Certificate - 24 month
$100,000
3.41%
▲ 0.93% above West Virginia avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 0.93% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.41% APY
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
2 Year Jumbo IRA Certificates
$0
3.41%
▲ 0.93% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 0.93% above avgNationally 2.88%
Details
Balance: $200,000.00 and over; Peoples Preferred Club; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.20% → 3.41% ▲ 0.21 pts · high 3.41% / low 3.20%
- Oct 5, 20263.41%▲ from 3.30%
- Sep 21, 20263.30%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
2 Year Jumbo Share Certificates - Peoples Preferred Club
$0
3.41%
▲ 0.93% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 0.93% above avgNationally 2.88%
Details
Peoples Preferred Club APY; Balance: $200,000.00 and over; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.41% ▲ 0.11 pts · high 3.41% / low 3.30%
- Sep 25, 20263.41%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
Jumbo Share Certificates - 2 Years - Peoples Preferred Club
$0
3.41%
▲ 0.93% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 0.93% above avgNationally 2.88%
Details
Balance: $200,000.00 and over; Peoples Preferred Club APY; Compounded daily, paid monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.41% ▲ 0.11 pts · high 3.41% / low 3.30%
- Sep 25, 20263.41%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
2 Year Jumbo IRA Certificates
$0
3.36%
▲ 0.88% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 0.88% above avgNationally 2.88%
Details
Balance: $150,000.00 - $199,999.99; Peoples Preferred Club; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
3 changes since Sep 14, 2026 · 3.25% → 3.36% ▲ 0.11 pts · high 3.36% / low 3.15%
- Oct 5, 20263.36%▲ from 3.25%
- Sep 21, 20263.25%▲ from 3.15%
- Sep 18, 20263.15%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
2 Year Jumbo Share Certificates - Peoples Preferred Club
$0
3.36%
▲ 0.88% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 0.88% above avgNationally 2.88%
Details
Peoples Preferred Club APY; Balance: $150,000.00 - $199,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.36% ▲ 0.11 pts · high 3.36% / low 3.25%
- Sep 25, 20263.36%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
Jumbo Share Certificates - 2 Years - Peoples Preferred Club
$0
3.36%
▲ 0.88% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 0.88% above avgNationally 2.88%
Details
Balance: $150,000.00 - $199,999.99; Peoples Preferred Club APY; Compounded daily, paid monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.36% ▲ 0.06 pts · high 3.36% / low 3.30%
- Sep 25, 20263.36%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
80 E Main St, Lost Creek, WV 26385
24 Month Certificate of Deposit
$0
3.35%
▲ 0.87% above West Virginia avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.48%▲ 0.87% above avgNationally 2.88%
Details
Balance: Greater than or equal to $100,000
Rate History
No change since Sep 11, 2026 · 3.35% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Share Certificate - 24 month
$500
3.31%
▲ 0.83% above West Virginia avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 0.83% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
- Oct 12, 20263.31%▼ from 3.41%
- Sep 25, 20263.41%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Traditional and Roth IRA Certificate - 24 month
$500
3.31%
▲ 0.83% above West Virginia avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.48%▲ 0.83% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.31% APY
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
2 Year Jumbo IRA Certificates
$0
3.30%
▲ 0.82% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 0.82% above avgNationally 2.88%
Details
Balance: $200,000.00 and over; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
- Sep 21, 20263.30%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
2 Year Jumbo Share Certificates
$0
3.30%
▲ 0.82% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 0.82% above avgNationally 2.88%
Details
Balance: $200,000.00 and over; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
- Sep 21, 20263.30%▲ from 3.20%
- Sep 18, 20263.20%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
Jumbo Share Certificates - 2 Years
$0
3.30%
▲ 0.82% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 0.82% above avgNationally 2.88%
Details
Balance: $200,000.00 and over; Compounded daily, paid monthly; Penalty may be imposed for early certificate withdrawal
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
80 E Main St, Lost Creek, WV 26385
24 Month Certificate of Deposit
$0
3.25%
▲ 0.77% above West Virginia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.48%▲ 0.77% above avgNationally 2.88%
Details
Balance: Less than $100,000
Rate History
No change since Oct 7, 2026 · 3.25% APY
WV National Guard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1512 Coonskin Dr, Charleston, WV 25311 1022
2 Year CD Specials
$0
3.25%
▲ 0.77% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 0.77% above avgNationally 2.88%
Details
Penalties applied for early withdrawal, which may decrease earnings
Rate History
No change since Sep 21, 2026 · 3.25% APY · checked 3 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
2 Year Jumbo IRA Certificates
$0
3.25%
▲ 0.77% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 0.77% above avgNationally 2.88%
Details
Balance: $150,000.00 - $199,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.25% ▼ 0.00 pts · high 3.25% / low 3.15%
- Sep 21, 20263.25%▲ from 3.15%
- Sep 18, 20263.15%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
2 Year Jumbo Share Certificates - Peoples Preferred Club
$0
3.25%
▲ 0.77% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 0.77% above avgNationally 2.88%
Details
Peoples Preferred Club APY; Balance: $100,000.00 - $149,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
2 changes since Sep 18, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.36% / low 3.25%
- Oct 13, 20263.25%▼ from 3.36%
- Sep 25, 20263.36%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
Jumbo Share Certificates - 2 Years - Peoples Preferred Club
$0
3.25%
▲ 0.77% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 0.77% above avgNationally 2.88%
Details
Balance: $100,000.00 - $149,999.99; Peoples Preferred Club APY; Compounded daily, paid monthly; Penalty may be imposed for early certificate withdrawal
Rate History
2 changes since Sep 18, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.36% / low 3.25%
- Oct 13, 20263.25%▼ from 3.36%
- Sep 25, 20263.36%▲ from 3.30%
- Sep 18, 20263.30%first recorded
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
Certificates - 24 Months
$1,000
3.20%
▲ 0.72% above West Virginia avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 0.72% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
Traditional/Roth IRA Certificate - 24 Months
$1,000
3.20%
▲ 0.72% above West Virginia avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 0.72% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 7 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
2 Year Jumbo IRA Certificates
$0
3.15%
▲ 0.67% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.48%▲ 0.67% above avgNationally 2.88%
Details
Balance: $100,000.00 - $149,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05%
- Sep 21, 20263.15%▲ from 3.05%
- Sep 14, 20263.05%first recorded
West Virginia 36 Month CD Rates
MonitorBankRates West Virginia Average · 36 Month CD2.31% APY▼ 0.05% from last weekNational 2.81%
The average 36-month CD rate in West Virginia is 2.31% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
36 Month Share Certificate
$0
4.50%
▲ 2.19% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 2.19% above avgNationally 2.81%
Details
Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
36 Month Share Certificate
$0
4.45%
▲ 2.14% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 2.14% above avgNationally 2.81%
Details
Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.45% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
36 Month Share Certificate
$0
4.40%
▲ 2.09% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 2.09% above avgNationally 2.81%
Details
Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
36 Month Share Certificate
$0
4.30%
▲ 1.99% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 1.99% above avgNationally 2.81%
Details
Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 3 times
First Sentinel Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
329 Ingleside Rd, Princeton, WV 24740
36-Month CD/IRA
$500
4.16%
▲ 1.85% above West Virginia avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.85% above avgNationally 2.81%
Details
Rate History
No change since Sep 30, 2026 · 4.16% APY · checked 4 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV 25701 2421
Share Certificate - 36 months
$500
4.08%
▲ 1.77% above West Virginia avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 1.77% above avgNationally 2.81%
Details
Add .10% to the rate for $50,000 to $74,999.99; add .20% to the rate for $75,000 and over; certificates must be at least $2,500 to qualify for monthly dividend payments
Rate History
1 change since Sep 18, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
- Oct 13, 20264.08%▲ from 3.82%
- Sep 18, 20263.82%first recorded
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV 26726 9537
IRA Share Certificate - 36 Months
$500
4.06%
▲ 1.75% above West Virginia avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.75% above avgNationally 2.81%
Details
Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)
Rate History
No change since Oct 12, 2026 · 4.06% APY
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV 26726 9537
Share Certificate - 36 Months
$500
4.06%
▲ 1.75% above West Virginia avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.75% above avgNationally 2.81%
Details
Early withdrawal penalty applies.
Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
FNB Bank, Inc. Romney, WV
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
105 N High St, Romney, WV 26757
36 MONTH CD SPECIAL
$1,000
4.00%
▲ 1.69% above West Virginia avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.69% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Sep 24, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV 26062
36 Month Certificates
$0
4.00%
▲ 1.69% above West Virginia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 1.69% above avgNationally 2.81%
Details
*New Money from an outside source*; Early Withdrawal Penalty: 180 Day
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
1822 7th St, Parkersburg, WV 26101
Share Certificates - 36 Months
$500
3.81%
▲ 1.50% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 1.50% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 8 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
IRA Jumbo Certificate - 36 month
$0
3.70%
▲ 1.39% above West Virginia avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.39% above avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 3.70% APY
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
IRA Jumbo Certificate - 36 month
$0
3.60%
▲ 1.29% above West Virginia avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.29% above avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 3.60% APY
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
10767 Energy Hwy, Friendly, WV 26146 7512
36 Month Certificate
$500
3.60%
▲ 1.29% above West Virginia avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 1.29% above avgNationally 2.81%
Details
Paid Monthly
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
10767 Energy Hwy, Friendly, WV 26146 7512
36 Month IRA Certificate
$500
3.60%
▲ 1.29% above West Virginia avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 1.29% above avgNationally 2.81%
Details
Paid Monthly; Substantial penalty for early withdrawal
Rate History
No change since Sep 21, 2026 · 3.60% APY · checked 4 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV 26155
Jumbo Certificate - 36 Months
$100,000
3.55%
▲ 1.24% above West Virginia avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 1.24% above avgNationally 2.81%
Details
Minimum $100,000; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 11 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
Traditional & Roth IRA Certificate - 36 month
$0
3.50%
▲ 1.19% above West Virginia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.19% above avgNationally 2.81%
Details
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 5 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
Traditional & Roth IRA Certificates - 36 month
$0
3.50%
▲ 1.19% above West Virginia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.19% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV 26155
Share & IRA Certificate - 36 Months
$0
3.50%
▲ 1.19% above West Virginia avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 1.19% above avgNationally 2.81%
Details
Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18554 Buffalo Road, Buffalo, WV 25033
36 Month IRA Certificate
$0
3.50%
▲ 1.19% above West Virginia avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.31%▲ 1.19% above avgNationally 2.81%
Details
Rate History
No change since Sep 29, 2026 · 3.50% APY
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18554 Buffalo Road, Buffalo, WV 25033
36 Month Share Certificates
$0
3.50%
▲ 1.19% above West Virginia avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.31%▲ 1.19% above avgNationally 2.81%
Details
Rate History
No change since Sep 29, 2026 · 3.50% APY
WV National Guard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1512 Coonskin Dr, Charleston, WV 25311 1022
3 Year CD Specials
$0
3.45%
▲ 1.14% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 1.14% above avgNationally 2.81%
Details
Penalties applied for early withdrawal, which may decrease earnings
Rate History
No change since Sep 21, 2026 · 3.45% APY · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Jumbo Share Certificate - 36 month
$100,000
3.31%
▲ 1.00% above West Virginia avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.00% above avgNationally 2.81%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.31% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Jumbo Traditional and Roth IRA Certificate - 36 month
$100,000
3.31%
▲ 1.00% above West Virginia avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 1.00% above avgNationally 2.81%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.31% APY
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV 26726
36 Month IRA Share Certificate
$500
3.30%
▲ 0.99% above West Virginia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 0.99% above avgNationally 2.81%
Details
IRA Share Certificate; Minimum $500
Rate History
1 change since Sep 14, 2026 · 3.14% → 3.30% ▲ 0.16 pts · high 3.30% / low 3.14%
- Oct 12, 20263.30%▲ from 3.14%
- Sep 14, 20263.14%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV 26726
36 Month Share Certificate
$500
3.30%
▲ 0.99% above West Virginia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 0.99% above avgNationally 2.81%
Details
Minimum $500
Rate History
1 change since Sep 14, 2026 · 3.14% → 3.30% ▲ 0.16 pts · high 3.30% / low 3.14%
- Oct 12, 20263.30%▲ from 3.14%
- Sep 14, 20263.14%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
3 Year Jumbo IRA Certificates
$0
3.30%
▲ 0.99% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 0.99% above avgNationally 2.81%
Details
Balance: $200,000.00 and over; Peoples Preferred Club; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
4 changes since Sep 14, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 2.94%
- Oct 5, 20263.30%▲ from 3.20%
- Sep 25, 20263.20%▲ from 3.05%
- Sep 21, 20263.05%▲ from 2.94%
- Sep 18, 20262.94%▼ from 3.05%
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
3 Year Jumbo Share Certificates - Peoples Preferred Club
$0
3.30%
▲ 0.99% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 0.99% above avgNationally 2.81%
Details
Peoples Preferred Club APY; Balance: $200,000.00 and over; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
- Sep 25, 20263.30%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
Jumbo Share Certificates - 3 Years - Peoples Preferred Club
$0
3.30%
▲ 0.99% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 0.99% above avgNationally 2.81%
Details
Balance: $200,000.00 and over; Peoples Preferred Club APY; Compounded daily, paid monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
- Sep 25, 20263.30%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
555 W Main St, Romney, WV 26757 1532
36 Month Share Certificate
$0
3.25%
▲ 0.94% above West Virginia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 0.94% above avgNationally 2.81%
Details
Balance: $500+; Minimum Deposit $500+
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 4 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
3 Year Jumbo IRA Certificates
$0
3.25%
▲ 0.94% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 0.94% above avgNationally 2.81%
Details
Balance: $150,000.00 - $199,999.99; Peoples Preferred Club; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
3 changes since Sep 14, 2026 · 2.89% → 3.25% ▲ 0.36 pts · high 3.25% / low 2.89%
- Oct 5, 20263.25%▲ from 3.15%
- Sep 25, 20263.15%▲ from 2.99%
- Sep 21, 20262.99%▲ from 2.89%
- Sep 14, 20262.89%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
3 Year Jumbo Share Certificates - Peoples Preferred Club
$0
3.25%
▲ 0.94% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 0.94% above avgNationally 2.81%
Details
Peoples Preferred Club APY; Balance: $150,000.00 - $199,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 2.99% → 3.25% ▲ 0.26 pts · high 3.25% / low 2.99%
- Sep 25, 20263.25%▲ from 2.99%
- Sep 18, 20262.99%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
Jumbo Share Certificates - 3 Years - Peoples Preferred Club
$0
3.25%
▲ 0.94% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 0.94% above avgNationally 2.81%
Details
Balance: $150,000.00 - $199,999.99; Peoples Preferred Club APY; Compounded daily, paid monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.25% ▲ 0.20 pts · high 3.25% / low 3.05%
- Sep 25, 20263.25%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Share Certificate - 36 month
$500
3.21%
▲ 0.90% above West Virginia avg
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 0.90% above avgNationally 2.81%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.31% → 3.21% ▼ 0.10 pts · high 3.31% / low 3.21%
- Oct 12, 20263.21%▼ from 3.31%
- Sep 25, 20263.31%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Traditional and Roth IRA Certificate - 36 month
$500
3.21%
▲ 0.90% above West Virginia avg
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.31%▲ 0.90% above avgNationally 2.81%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.21% APY
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
3 Year Jumbo IRA Certificates
$0
3.20%
▲ 0.89% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 0.89% above avgNationally 2.81%
Details
Balance: $200,000.00 and over; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
3 changes since Sep 14, 2026 · 3.05% → 3.20% ▲ 0.15 pts · high 3.20% / low 2.94%
- Sep 25, 20263.20%▲ from 3.05%
- Sep 21, 20263.05%▲ from 2.94%
- Sep 18, 20262.94%▼ from 3.05%
- Sep 14, 20263.05%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
3 Year Jumbo Share Certificates
$0
3.20%
▲ 0.89% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 0.89% above avgNationally 2.81%
Details
Balance: $200,000.00 and over; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
2 changes since Sep 18, 2026 · 2.94% → 3.20% ▲ 0.26 pts · high 3.20% / low 2.94%
- Sep 25, 20263.20%▲ from 3.05%
- Sep 21, 20263.05%▲ from 2.94%
- Sep 18, 20262.94%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
Jumbo Share Certificates - 3 Years
$0
3.20%
▲ 0.89% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 0.89% above avgNationally 2.81%
Details
Balance: $200,000.00 and over; Compounded daily, paid monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 3.05% → 3.20% ▲ 0.15 pts · high 3.20% / low 3.05%
- Oct 13, 20263.20%▲ from 3.05%
- Sep 14, 20263.05%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
3 Year Jumbo IRA Certificates
$0
3.15%
▲ 0.84% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 0.84% above avgNationally 2.81%
Details
Balance: $150,000.00 - $199,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
2 changes since Sep 14, 2026 · 2.89% → 3.15% ▲ 0.26 pts · high 3.15% / low 2.89%
- Sep 25, 20263.15%▲ from 2.99%
- Sep 21, 20262.99%▲ from 2.89%
- Sep 14, 20262.89%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
3 Year Jumbo Share Certificates
$0
3.15%
▲ 0.84% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 0.84% above avgNationally 2.81%
Details
Balance: $150,000.00 - $199,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
2 changes since Sep 14, 2026 · 2.89% → 3.15% ▲ 0.26 pts · high 3.15% / low 2.89%
- Sep 25, 20263.15%▲ from 2.99%
- Sep 21, 20262.99%▲ from 2.89%
- Sep 14, 20262.89%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
Jumbo Share Certificates - 3 Years
$0
3.15%
▲ 0.84% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 0.84% above avgNationally 2.81%
Details
Balance: $150,000.00 - $199,999.99; Compounded daily, paid monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 14, 2026 · 2.99% → 3.15% ▲ 0.16 pts · high 3.15% / low 2.99%
- Oct 13, 20263.15%▲ from 2.99%
- Sep 14, 20262.99%first recorded
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
80 E Main St, Lost Creek, WV 26385
36 Month Certificate of Deposit
$0
3.10%
▲ 0.79% above West Virginia avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.31%▲ 0.79% above avgNationally 2.81%
Details
Balance: Greater than or equal to $100,000
Rate History
No change since Sep 11, 2026 · 3.10% APY · checked 2 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
3 Year Jumbo IRA Certificates
$0
3.05%
▲ 0.74% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 0.74% above avgNationally 2.81%
Details
Balance: $100,000.00 - $149,999.99; Peoples Preferred Club; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
2 changes since Sep 14, 2026 · 2.84% → 3.05% ▲ 0.21 pts · high 3.05% / low 2.84%
- Oct 5, 20263.05%▲ from 2.94%
- Sep 21, 20262.94%▲ from 2.84%
- Sep 14, 20262.84%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
3 Year Jumbo Share Certificates - Peoples Preferred Club
$0
3.05%
▲ 0.74% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 0.74% above avgNationally 2.81%
Details
Peoples Preferred Club APY; Balance: $100,000.00 - $149,999.99; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
No change since Sep 25, 2026 · 3.05% APY · checked 3 times
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
3-year IRA Certificate - Peoples Preferred Club
$1,000
3.05%
▲ 0.74% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 0.74% above avgNationally 2.81%
Details
Peoples Preferred Club APY; Compounded Daily - Paid Monthly; Penalty may be imposed for early certificate withdrawal
Rate History
1 change since Sep 21, 2026 · 2.79% → 3.05% ▲ 0.26 pts · high 3.05% / low 2.79%
- Sep 25, 20263.05%▲ from 2.79%
- Sep 21, 20262.79%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
3-year Share Certificate - Peoples Preferred Club
$1,000
3.05%
▲ 0.74% above West Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 0.74% above avgNationally 2.81%
Details
Peoples Preferred Club rate. Compounded Daily - Paid Monthly. Penalty may be imposed for early certificate withdrawal.
Rate History
1 change since Sep 18, 2026 · 2.79% → 3.05% ▲ 0.26 pts · high 3.05% / low 2.79%
- Sep 25, 20263.05%▲ from 2.79%
- Sep 18, 20262.79%first recorded
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
419 1st Ave S, Nitro, WV 25143 2313
Jumbo Share Certificates - 3 Years - Peoples Preferred Club
$0
3.05%
▲ 0.74% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 0.74% above avgNationally 2.81%
Details
Balance: $100,000.00 - $149,999.99; Peoples Preferred Club APY; Compounded daily, paid monthly; Penalty may be imposed for early certificate withdrawal
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 4 times
Huntington FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1049 5th Ave, Huntington, WV 25701
36 Month C.D.
$0
3.03%
▲ 0.72% above West Virginia avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.31%▲ 0.72% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 3.03% APY · checked 5 times
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
80 E Main St, Lost Creek, WV 26385
36 Month Certificate of Deposit
$0
3.00%
▲ 0.69% above West Virginia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.31%▲ 0.69% above avgNationally 2.81%
Details
Balance: Less than $100,000
Rate History
No change since Oct 7, 2026 · 3.00% APY
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
Certificates - 36 Month
$1,000
3.00%
▲ 0.69% above West Virginia avg
▼
Rate2.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.31%▲ 0.69% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
West Virginia 48 Month CD Rates
MonitorBankRates West Virginia Average · 48 Month CD2.14% APY▼ 0.05% from last weekNational 2.80%
The average 48-month CD rate in West Virginia is 2.14% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
48 Month Share Certificate
$0
4.60%
▲ 2.46% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.14%▲ 2.46% above avgNationally 2.80%
Details
Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance
Rate History
No change since Oct 5, 2026 · 4.60% APY · checked 3 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
48 Month Jumbo Certificate
$0
4.55%
▲ 2.41% above West Virginia avg
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 2.41% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 4.55% APY · checked 2 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
48 Month Share Certificate
$0
4.55%
▲ 2.41% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.14%▲ 2.41% above avgNationally 2.80%
Details
Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance
Rate History
No change since Oct 5, 2026 · 4.55% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
48 Month Share Certificate
$0
4.50%
▲ 2.36% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.14%▲ 2.36% above avgNationally 2.80%
Details
Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance
Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 3 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
48 Month Jumbo Certificate
$0
4.45%
▲ 2.31% above West Virginia avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 2.31% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 2 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
48 Month Share Certificate
$0
4.40%
▲ 2.26% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.14%▲ 2.26% above avgNationally 2.80%
Details
Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance
Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 3 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
48 Month Share Certificate
$0
4.35%
▲ 2.21% above West Virginia avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 2.21% above avgNationally 2.80%
Details
Rate History
1 change since Sep 25, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
- Oct 4, 20264.35%▲ from 4.25%
- Sep 25, 20264.25%first recorded
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
IRA Jumbo Certificate - 48 month
$0
4.20%
▲ 2.06% above West Virginia avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 2.06% above avgNationally 2.80%
Details
Rate History
No change since Oct 12, 2026 · 4.20% APY
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
IRA Jumbo Certificate - 48 month
$0
4.10%
▲ 1.96% above West Virginia avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 1.96% above avgNationally 2.80%
Details
Rate History
No change since Oct 12, 2026 · 4.10% APY
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV 26726 9537
IRA Share Certificate - 48 Months
$500
4.06%
▲ 1.92% above West Virginia avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 1.92% above avgNationally 2.80%
Details
Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)
Rate History
No change since Oct 12, 2026 · 4.06% APY
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV 26726 9537
Share Certificate - 48 Months
$500
4.06%
▲ 1.92% above West Virginia avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 1.92% above avgNationally 2.80%
Details
Early withdrawal penalty applies.
Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
Traditional & Roth IRA Certificate - 48 month
$0
4.00%
▲ 1.86% above West Virginia avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 1.86% above avgNationally 2.80%
Details
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 5 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
Traditional & Roth IRA Certificates - 48 month
$0
4.00%
▲ 1.86% above West Virginia avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 1.86% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV 25701 2421
Share Certificate - 48 months
$500
3.82%
▲ 1.68% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.14%▲ 1.68% above avgNationally 2.80%
Details
Add .10% to the rate for $50,000 to $74,999.99; add .20% to the rate for $75,000 and over; certificates must be at least $2,500 to qualify for monthly dividend payments
Rate History
No change since Sep 18, 2026 · 3.82% APY · checked 5 times
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
1822 7th St, Parkersburg, WV 26101
Share Certificates - 48 Months
$500
3.81%
▲ 1.67% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.14%▲ 1.67% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 8 times
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
10767 Energy Hwy, Friendly, WV 26146 7512
48 Month Certificate
$500
3.65%
▲ 1.51% above West Virginia avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.14%▲ 1.51% above avgNationally 2.80%
Details
Paid Monthly
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
10767 Energy Hwy, Friendly, WV 26146 7512
48 Month IRA Certificate
$500
3.65%
▲ 1.51% above West Virginia avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.14%▲ 1.51% above avgNationally 2.80%
Details
Paid Monthly; Substantial penalty for early withdrawal
Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 4 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV 26726
48 Month IRA Share Certificate
$500
3.56%
▲ 1.42% above West Virginia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 1.42% above avgNationally 2.80%
Details
IRA Share Certificate; Minimum $500
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.56% ▲ 0.36 pts · high 3.56% / low 3.20%
- Oct 12, 20263.56%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV 26726
48 Month Share Certificate
$500
3.56%
▲ 1.42% above West Virginia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 1.42% above avgNationally 2.80%
Details
Minimum $500
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.56% ▲ 0.36 pts · high 3.56% / low 3.20%
- Oct 12, 20263.56%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV 26155
Jumbo Certificate - 48 Months
$100,000
3.55%
▲ 1.41% above West Virginia avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.14%▲ 1.41% above avgNationally 2.80%
Details
Minimum $100,000; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 11 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV 26155
Share & IRA Certificate - 48 Months
$0
3.50%
▲ 1.36% above West Virginia avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.14%▲ 1.36% above avgNationally 2.80%
Details
Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18554 Buffalo Road, Buffalo, WV 25033
48 Month IRA Certificate
$0
3.50%
▲ 1.36% above West Virginia avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.14%▲ 1.36% above avgNationally 2.80%
Details
Rate History
No change since Sep 29, 2026 · 3.50% APY
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18554 Buffalo Road, Buffalo, WV 25033
48 Month Share Certificates
$0
3.50%
▲ 1.36% above West Virginia avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.14%▲ 1.36% above avgNationally 2.80%
Details
Rate History
No change since Sep 29, 2026 · 3.50% APY
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
502 Grand Central Ave, Vienna, WV 26105
48 Month Certificate of Deposit
$0
3.30%
▲ 1.16% above West Virginia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▲ 1.16% above avgNationally 2.80%
Details
Balance: $50,000 and over
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Jumbo Share Certificate - 48 month
$100,000
3.21%
▲ 1.07% above West Virginia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 1.07% above avgNationally 2.80%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.21% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Jumbo Traditional and Roth IRA Certificate - 48 month
$100,000
3.21%
▲ 1.07% above West Virginia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 1.07% above avgNationally 2.80%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.21% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Share Certificate - 48 month
$500
3.11%
▲ 0.97% above West Virginia avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 0.97% above avgNationally 2.80%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
- Oct 12, 20263.11%▼ from 3.21%
- Sep 25, 20263.21%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Traditional and Roth IRA Certificate - 48 month
$500
3.11%
▲ 0.97% above West Virginia avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 0.97% above avgNationally 2.80%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.11% APY
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
502 Grand Central Ave, Vienna, WV 26105
48 Month Certificate of Deposit
$0
3.04%
▲ 0.90% above West Virginia avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▲ 0.90% above avgNationally 2.80%
Details
Balance: $10,000 - $49,999.99
Rate History
No change since Oct 9, 2026 · 3.04% APY · checked 3 times
FNB Bank, Inc. Romney, WV
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
105 N High St, Romney, WV 26757
48 MONTH IRA
$250
3.00%
▲ 0.86% above West Virginia avg
▼
Rate2.96%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 0.86% above avgNationally 2.80%
Details
Fixed
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
555 W Main St, Romney, WV 26757 1532
48 Month Share Certificate
$0
3.00%
▲ 0.86% above West Virginia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 0.86% above avgNationally 2.80%
Details
Balance: $500+; Minimum Deposit $500+
Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 4 times
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
502 Grand Central Ave, Vienna, WV 26105
48 Month Certificate of Deposit
$0
2.94%
▲ 0.80% above West Virginia avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.14%▲ 0.80% above avgNationally 2.80%
Details
Balance: $500
Rate History
No change since Oct 9, 2026 · 2.94% APY · checked 3 times
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
4 Year Fixed Rate CD
$500
2.85%
▲ 0.71% above West Virginia avg
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.14%▲ 0.71% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 6 times
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
80 E Main St, Lost Creek, WV 26385
48 Month Certificate of Deposit
$0
2.85%
▲ 0.71% above West Virginia avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.14%▲ 0.71% above avgNationally 2.80%
Details
Balance: Greater than or equal to $100,000
Rate History
No change since Sep 11, 2026 · 2.85% APY · checked 2 times
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
80 E Main St, Lost Creek, WV 26385
48 Month Certificate of Deposit
$0
2.75%
▲ 0.61% above West Virginia avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.14%▲ 0.61% above avgNationally 2.80%
Details
Balance: Less than $100,000
Rate History
No change since Oct 7, 2026 · 2.75% APY
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
3143 Frankfort Hwy, Ridgeley, WV 26753 8707
48 Month Certificates
$0
2.75%
▲ 0.61% above West Virginia avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.14%▲ 0.61% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
448 Harding Ave, Morgantown, WV 26505
48 Month CD
$0
2.53%
▲ 0.39% above West Virginia avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.14%▲ 0.39% above avgNationally 2.80%
Details
Penalty for early withdrawals: 90 days of dividend; Dividends pay monthly
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 7 times
Community Bank (PA)
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1701 Warwood Ave, Wheeling, WV 26003
48 Month Certificate of Deposit
$500
2.50%
▲ 0.36% above West Virginia avg
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.14%▲ 0.36% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
WV National Guard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1512 Coonskin Dr, Charleston, WV 25311 1022
4 Year CD Specials
$0
2.50%
▲ 0.36% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.14%▲ 0.36% above avgNationally 2.80%
Details
Penalties applied for early withdrawal, which may decrease earnings
Rate History
No change since Sep 21, 2026 · 2.50% APY · checked 3 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
Certificates - 48 Month
$1,000
2.50%
▲ 0.36% above West Virginia avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.14%▲ 0.36% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
Traditional/Roth IRA Certificate - 48 Months
$1,000
2.50%
▲ 0.36% above West Virginia avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.14%▲ 0.36% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Element Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3418 MacCorkle Ave SE, Charleston, WV 25304
4 year CD
$100
2.50%
▲ 0.36% above West Virginia avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.14%▲ 0.36% above avgNationally 2.80%
Details
Insured up to $250,000
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Willow Island Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
7910 S Pleasants HWY, Saint Marys, WV 26170 8028
CDs to Minors - 48 Months
$500
2.48%
▲ 0.34% above West Virginia avg
▼
Rate2.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 0.34% above avgNationally 2.80%
Details
Rate History
No change since Oct 12, 2026 · 2.48% APY
Capon Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.21%
2 W Main St, Wardensville, WV 26851
48 Month CD
$500
2.37%
▲ 0.23% above West Virginia avg
▼
Rate2.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▲ 0.23% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 1.87% → 2.37% ▲ 0.50 pts · high 2.37% / low 1.87%
- Sep 24, 20262.37%▲ from 1.87%
- Sep 14, 20261.87%first recorded
Metro Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
215 18th St, Huntington, WV 25703
48 Month CD
$0
2.12%
▼ 0.02% below West Virginia avg
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▼ 0.02% below avgNationally 2.80%
Details
Minimum balance of $5,000 required on all Certificates
Rate History
No change since Oct 12, 2026 · 2.12% APY
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 Washington St, Saint Marys, WV 26170
48 Month Certificate
$0
2.02%
▼ 0.12% below West Virginia avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.14%▼ 0.12% below avgNationally 2.80%
Details
Rate History
No change since Sep 7, 2026 · 2.02% APY · checked 6 times
Huntington FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1049 5th Ave, Huntington, WV 25701
48 Month C.D.
$0
2.02%
▼ 0.12% below West Virginia avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.14%▼ 0.12% below avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 2.02% APY · checked 5 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
500 Virginia St E, Charleston, WV 25301
4 Year CD
$500
1.90%
▼ 0.24% below West Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.14%▼ 0.24% below avgNationally 2.80%
Details
Rate History
No change since Sep 9, 2026 · 1.90% APY · checked 3 times
First Mutual Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
3850 Emerson Ave, Parkersburg, WV 26104
48-Month CD
$500
1.45%
▼ 0.69% below West Virginia avg
▼
Rate1.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.14%▼ 0.69% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 1.45% APY · checked 6 times
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
280 E Main St, Milton, WV 25541
4 Year CD
$0
1.40%
▼ 0.74% below West Virginia avg
▼
Rate1.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.14%▼ 0.74% below avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 1.40% APY · checked 3 times
West Virginia 60 Month CD Rates
MonitorBankRates West Virginia Average · 60 Month CD2.36% APY▼ 0.03% from last weekNational 2.90%
The average 60-month CD rate in West Virginia is 2.36% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
60 Month Share Certificate
$0
4.60%
▲ 2.24% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▲ 2.24% above avgNationally 2.90%
Details
Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026
Rate History
No change since Oct 13, 2026 · 4.60% APY
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
60 Month Share Certificate
$0
4.55%
▲ 2.19% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▲ 2.19% above avgNationally 2.90%
Details
Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026
Rate History
No change since Oct 13, 2026 · 4.55% APY
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
60 Month Share Certificate
$0
4.50%
▲ 2.14% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▲ 2.14% above avgNationally 2.90%
Details
Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026
Rate History
No change since Oct 13, 2026 · 4.50% APY
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
60 Month Share Certificate
$0
4.40%
▲ 2.04% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▲ 2.04% above avgNationally 2.90%
Details
Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026
Rate History
No change since Oct 13, 2026 · 4.40% APY
First Sentinel Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
329 Ingleside Rd, Princeton, WV 24740
60-Month CD/IRA
$500
4.22%
▲ 1.86% above West Virginia avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 1.86% above avgNationally 2.90%
Details
Rate History
No change since Sep 30, 2026 · 4.22% APY · checked 4 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV 26726 9537
IRA Share Certificate - 60 Months
$500
4.06%
▲ 1.70% above West Virginia avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 1.70% above avgNationally 2.90%
Details
Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)
Rate History
No change since Oct 12, 2026 · 4.06% APY
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV 26726 9537
Share Certificate - 60 Months
$500
4.06%
▲ 1.70% above West Virginia avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 1.70% above avgNationally 2.90%
Details
Early withdrawal penalty applies.
Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV 26726
60 Month IRA Share Certificate
$500
3.82%
▲ 1.46% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 1.46% above avgNationally 2.90%
Details
IRA Share Certificate; Minimum $500
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
- Oct 12, 20263.82%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV 26726
60 Month Share Certificate
$500
3.82%
▲ 1.46% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 1.46% above avgNationally 2.90%
Details
Minimum $500
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
- Oct 12, 20263.82%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV 25701 2421
Share Certificate - 60 months
$500
3.82%
▲ 1.46% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▲ 1.46% above avgNationally 2.90%
Details
Add .10% to the rate for $50,000 to $74,999.99; add .20% to the rate for $75,000 and over; certificates must be at least $2,500 to qualify for monthly dividend payments
Rate History
No change since Sep 18, 2026 · 3.82% APY · checked 5 times
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
502 Grand Central Ave, Vienna, WV 26105
60 Month Certificate of Deposit
$0
3.82%
▲ 1.46% above West Virginia avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.36%▲ 1.46% above avgNationally 2.90%
Details
Balance: $50,000 and over
Rate History
No change since Oct 9, 2026 · 3.82% APY · checked 3 times
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
1822 7th St, Parkersburg, WV 26101
Share Certificates - 60 Months
$500
3.81%
▲ 1.45% above West Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▲ 1.45% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 8 times
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
10767 Energy Hwy, Friendly, WV 26146 7512
60 Month Certificate
$500
3.70%
▲ 1.34% above West Virginia avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▲ 1.34% above avgNationally 2.90%
Details
Paid Monthly
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
10767 Energy Hwy, Friendly, WV 26146 7512
60 Month IRA Certificate
$500
3.70%
▲ 1.34% above West Virginia avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▲ 1.34% above avgNationally 2.90%
Details
Paid Monthly; Substantial penalty for early withdrawal
Rate History
No change since Sep 21, 2026 · 3.70% APY · checked 4 times
The Bank of Romney
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
95 E Main St, Romney, WV 26757
60 Months Certificate
$1,000
3.56%
▲ 1.20% above West Virginia avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
West Virginia Average2.36%▲ 1.20% above avgNationally 2.90%
Details
Daily Min. $1,000.00 (Penalty 180 Days)
Rate History
No change since Oct 7, 2026 · 3.56% APY · checked 2 times
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
502 Grand Central Ave, Vienna, WV 26105
60 Month Certificate of Deposit
$0
3.56%
▲ 1.20% above West Virginia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.36%▲ 1.20% above avgNationally 2.90%
Details
Balance: $10,000 - $49,999.99
Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 3 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV 26155
Jumbo Certificate - 60 Months
$100,000
3.55%
▲ 1.19% above West Virginia avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▲ 1.19% above avgNationally 2.90%
Details
Minimum $100,000; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 11 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV 26155
Share & IRA Certificate - 60 Months
$0
3.50%
▲ 1.14% above West Virginia avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▲ 1.14% above avgNationally 2.90%
Details
Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18554 Buffalo Road, Buffalo, WV 25033
60 Month IRA Certificate
$0
3.50%
▲ 1.14% above West Virginia avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.36%▲ 1.14% above avgNationally 2.90%
Details
Rate History
No change since Sep 29, 2026 · 3.50% APY
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18554 Buffalo Road, Buffalo, WV 25033
60 Month Share Certificates
$0
3.50%
▲ 1.14% above West Virginia avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
West Virginia Average2.36%▲ 1.14% above avgNationally 2.90%
Details
Rate History
No change since Sep 29, 2026 · 3.50% APY
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
502 Grand Central Ave, Vienna, WV 26105
60 Month Certificate of Deposit
$0
3.45%
▲ 1.09% above West Virginia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
West Virginia Average2.36%▲ 1.09% above avgNationally 2.90%
Details
Balance: $500
Rate History
No change since Oct 9, 2026 · 3.45% APY · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Jumbo Share Certificate - 60 month
$100,000
3.21%
▲ 0.85% above West Virginia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.85% above avgNationally 2.90%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.21% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Jumbo Traditional and Roth IRA Certificate - 60 month
$100,000
3.21%
▲ 0.85% above West Virginia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.85% above avgNationally 2.90%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.21% APY
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
60 Month Jumbo Certificate
$0
3.20%
▲ 0.84% above West Virginia avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.84% above avgNationally 2.90%
Details
Rate History
No change since Oct 8, 2026 · 3.20% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Share Certificate - 60 month
$500
3.11%
▲ 0.75% above West Virginia avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.75% above avgNationally 2.90%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
- Oct 12, 20263.11%▼ from 3.21%
- Sep 25, 20263.21%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV 26306 0001
Traditional and Roth IRA Certificate - 60 month
$500
3.11%
▲ 0.75% above West Virginia avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.75% above avgNationally 2.90%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.11% APY
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
80 E Main St, Lost Creek, WV 26385
60 Month Certificate of Deposit
$0
3.10%
▲ 0.74% above West Virginia avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.36%▲ 0.74% above avgNationally 2.90%
Details
Balance: Greater than or equal to $100,000
Rate History
No change since Sep 11, 2026 · 3.10% APY · checked 2 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
60 Month Jumbo Certificate
$0
3.10%
▲ 0.74% above West Virginia avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.74% above avgNationally 2.90%
Details
Rate History
No change since Oct 8, 2026 · 3.10% APY · checked 2 times
Harrison County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
80 E Main St, Lost Creek, WV 26385
60 Month Certificate of Deposit
$0
3.00%
▲ 0.64% above West Virginia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.36%▲ 0.64% above avgNationally 2.90%
Details
Balance: Less than $100,000
Rate History
No change since Oct 7, 2026 · 3.00% APY
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
60 Month Share Certificate
$0
3.00%
▲ 0.64% above West Virginia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.64% above avgNationally 2.90%
Details
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 5 times
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
555 W Main St, Romney, WV 26757 1532
60 Month Share Certificate
$0
3.00%
▲ 0.64% above West Virginia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.64% above avgNationally 2.90%
Details
Balance: $500+; Minimum Deposit $500+
Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 4 times
WV National Guard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1512 Coonskin Dr, Charleston, WV 25311 1022
5 Year CD Specials
$0
3.00%
▲ 0.64% above West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▲ 0.64% above avgNationally 2.90%
Details
Penalties applied for early withdrawal, which may decrease earnings
Rate History
No change since Sep 21, 2026 · 3.00% APY · checked 3 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
3143 Frankfort Hwy, Ridgeley, WV 26753 8707
60 Month Certificates
$0
3.00%
▲ 0.64% above West Virginia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▲ 0.64% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
1000 Jerry Dove Dr Suite 101, Bridgeport, WV 26330
5 Year Fixed Rate CD
$500
2.95%
▲ 0.59% above West Virginia avg
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.36%▲ 0.59% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 6 times
Davis Trust Company
Institution Rating:
A-4.7 ★Texas Ratio: 11.86%
227 Davis Ave, Elkins, WV 26241
60 Month Certificate
$0
2.93%
▲ 0.57% above West Virginia avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.57% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 2.93% APY · checked 7 times
Community Bank (PA)
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1701 Warwood Ave, Wheeling, WV 26003
60 Month Certificate of Deposit
$500
2.50%
▲ 0.14% above West Virginia avg
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.36%▲ 0.14% above avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
Certificates - 60 Month
$1,000
2.50%
▲ 0.14% above West Virginia avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▲ 0.14% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV 25177 2008
Traditional/Roth IRA Certificate - 60 Months
$1,000
2.50%
▲ 0.14% above West Virginia avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▲ 0.14% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Element Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3418 MacCorkle Ave SE, Charleston, WV 25304
5 year CD
$100
2.50%
▲ 0.14% above West Virginia avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▲ 0.14% above avgNationally 2.90%
Details
Insured up to $250,000
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Capon Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.21%
2 W Main St, Wardensville, WV 26851
60 Month CD
$500
2.47%
▲ 0.11% above West Virginia avg
▼
Rate2.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
West Virginia Average2.36%▲ 0.11% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 2.02% → 2.47% ▲ 0.45 pts · high 2.47% / low 2.02%
- Sep 24, 20262.47%▲ from 2.02%
- Sep 14, 20262.02%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
60 Month Continuous Saver Share Certificate
$0
2.35%
▼ 0.01% below West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▼ 0.01% below avgNationally 2.90%
Details
Balance: $250,000.01+; Available for Savings Certificate, Traditional IRA or Roth IRA
Rate History
No change since Oct 5, 2026 · 2.35% APY · checked 2 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
60 Month Continuous Saver Share Certificate
$0
2.30%
▼ 0.06% below West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▼ 0.06% below avgNationally 2.90%
Details
Balance: $100,000-$250,000; Available for Savings Certificate, Traditional IRA or Roth IRA
Rate History
No change since Oct 5, 2026 · 2.30% APY · checked 2 times
WVU Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
448 Harding Ave, Morgantown, WV 26505
60 Month CD
$0
2.27%
▼ 0.09% below West Virginia avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▼ 0.09% below avgNationally 2.90%
Details
Penalty for early withdrawals: 90 days of dividend; Dividends pay monthly
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 7 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
60 Month Continuous Saver Share Certificate
$0
2.25%
▼ 0.11% below West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▼ 0.11% below avgNationally 2.90%
Details
Balance: $10,000-$24,999; Available for Savings Certificate, Traditional IRA or Roth IRA
Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 2 times
Alloy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
515 Hinkle Rd, Fayetteville, WV 25840 6903
60 Month IRA Share Certificate
$0
2.25%
▼ 0.11% below West Virginia avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▼ 0.11% below avgNationally 2.90%
Details
Dividend Rate and APY shown as 2.25 / 2.25; $500 minimum balance to obtain APY; substantial penalty for early withdrawal; APY based on interest compounded quarterly
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
Alloy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
515 Hinkle Rd, Fayetteville, WV 25840 6903
60 Month Share Certificate
$0
2.25%
▼ 0.11% below West Virginia avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▼ 0.11% below avgNationally 2.90%
Details
$500 minimum balance to obtain APY; Substantial penalty for early withdrawal; APY based on interest compounded quarterly
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Alloy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
515 Hinkle Rd, Fayetteville, WV 25840 6903
IRA Share Certificate - 60 Months
$0
2.25%
▼ 0.11% below West Virginia avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▼ 0.11% below avgNationally 2.90%
Details
Dividend rate and APY; $500 minimum balance to obtain APY; substantial penalty for early withdrawal; APY based on interest compounded quarterly
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
60 Month Continuous Saver Share Certificate
$0
2.20%
▼ 0.16% below West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▼ 0.16% below avgNationally 2.90%
Details
Balance: $1,000-$9,999; Available for Savings Certificate, Traditional IRA or Roth IRA
Rate History
No change since Oct 5, 2026 · 2.20% APY · checked 2 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5268 Williamsport Pike, Martinsburg, WV 25404
60 Month Continuous Saver Share Certificate
$0
2.15%
▼ 0.21% below West Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
West Virginia Average2.36%▼ 0.21% below avgNationally 2.90%
Details
Balance: $25-$999; Available for Savings Certificate, Traditional IRA or Roth IRA
Rate History
No change since Oct 5, 2026 · 2.15% APY · checked 2 times
Pleasants County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 Washington St, Saint Marys, WV 26170
60 Month Certificate
$0
2.02%
▼ 0.34% below West Virginia avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
West Virginia Average2.36%▼ 0.34% below avgNationally 2.90%
Details
Rate History
No change since Sep 7, 2026 · 2.02% APY · checked 6 times
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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. 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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West Virginia CD Rate Trends
Compare local West Virginia CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD WV Avg
2.628%
▼ 0.046 vs 7 days ago
West Virginia 12-month CD rates fell 0.046 points over the past 7 days to 2.628% APY.
6-Month CD WV Avg
2.171%
▼ 0.041 vs 7 days ago
West Virginia 6-month CD rates fell 0.041 points over the past 7 days to 2.171% APY.
As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions
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WV CD Rate Forecast, Next 12 Months
Where are West Virginia CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
WV 12-Month Avg APY
2.628%
6-Month Forecast
2.628%
Range: 2.43%, 2.78%
12-Month Forecast
2.878%
Range: 2.68%, 3.03%
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What Your Savings Earn at WV CD Rates Today
Annual interest earnings at today’s West Virginia average APYs. State average used where available; national average as fallback.
| CD Term | WV Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.398% | $69.90 | $139.81 | $349.53 | $699.05 |
| 6-Month CD | 2.171% | $108.54 | $217.08 | $542.70 | $1,085.40 |
| 12-Month CD | 2.628% | $131.39 | $262.78 | $656.95 | $1,313.90 |
| 18-Month CD | 2.385% | $119.23 | $238.46 | $596.15 | $1,192.30 |
| 24-Month CD | 2.477% | $123.85 | $247.70 | $619.25 | $1,238.50 |
| 36-Month CD | 2.307% | $115.34 | $230.67 | $576.68 | $1,153.35 |
| 48-Month CD | 2.138% | $106.89 | $213.77 | $534.43 | $1,068.85 |
| 60-Month CD | 2.355% | $117.77 | $235.54 | $588.85 | $1,177.70 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026. | |||||
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Sample CD Ladder for West Virginia Savers
$25,000 split equally across 5 terms using today’s West Virginia average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | WV Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.398% | $69.90 |
| 2 | 6-Month CD | $5,000 | 2.171% | $108.54 |
| 3 | 12-Month CD | $5,000 | 2.628% | $131.39 |
| 4 | 24-Month CD | $5,000 | 2.477% | $123.85 |
| 5 | 36-Month CD | $5,000 | 2.307% | $115.34 |
| Total ($25,000 invested) | $25,000 | 2.196% blended | $549.02/yr | |
Ladder example uses equal $5,000 rungs and West Virginia average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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514
CD Rates
Tracked in West Virginia
Tracked in West Virginia
31 Banks
34 Credit Unions
About Our West Virginia CD Rate Database
MonitorBankRates tracks 514 CD rates from 31 banks and 34 credit unions with locations in West Virginia, plus national online institutions available to West Virginia residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Universal Federal Credit Union offers a CD at 5.09% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in West Virginia.
How to Find the Best CD Rates in West Virginia
What to compare when shopping for a CD in West Virginia
To find the best APYs in West Virginia, start with credit unions and online-only banks: West Virginia has 34 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in West Virginia
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in West Virginia: 65 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare West Virginia savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare West Virginia money market rates
West Virginia Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
21.0%
National avg: 17.3%
Median Individual Earnings
$40,236
National avg: $47,340
Poverty Rate
16.7%
National avg: 11.1%
Unemployment Rate
5.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$106/yr
At WV 12-mo avg 2.628% APY
21.0% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s WV 12-month CD average of 2.628%, saving 10% of the local median salary ($4,023/year) and putting it in a CD would earn an additional $106 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in West Virginia
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in West Virginia
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in West Virginia typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in West Virginia as everywhere in the U.S.
Choosing a CD Term in West Virginia
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give West Virginia savers easier access to their funds. For example, SFGI Direct is offering its 6-Month CD at 4.20% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Patriot Federal Credit Union is offering its 60 Month Share Certificate at 4.60% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for West Virginia Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a West Virginia saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in West Virginia
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the West Virginia CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in West Virginia
Most CDs carry a fixed rate that is locked for the entire term, protecting a West Virginia depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in West Virginia
Are CD rates in West Virginia FDIC insured?
Yes, most established banks in 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 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 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 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 West Virginia?
Here are recent top rates found for this area:
- Universal Federal Credit Union: 5.09% APY (12 Month Share Certificate / IRA Certificate)
- Patriot Federal Credit Union: 4.60% APY (48 Month Share Certificate)
- Fairmont Federal Credit Union: 4.55% APY (48 Month Jumbo Certificate)
- SFGI Direct: 4.40% APY (18-Month CD)
- Charleston Federal Credit Union: 4.33% APY (12 Month CD Special)
- Ohio Valley Bank Co.: 4.25% APY (12 thru 18 Month Certificate of Deposit)
- First Sentinel Bank: 4.22% APY (60-Month CD/IRA)
- Desco Federal Credit Union: 4.08% APY (Share Certificate - 24 months)
- Huntington FSB: 4.06% APY (12 Month C.D.)
- WEPCO Federal Credit Union: 4.06% APY (IRA Share Certificate - 24 Months)
Rates reflect recent verified offers available in West Virginia. Last Updated: October 13, 2026
West Virginia CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current West Virginia rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for West Virginia
West Virginia CD Calculator
At today’s WV top rate of 5.09% APY, a $10,000 deposit earns $509 in the first year. Enter your amount to see your exact return.
West Virginia CD LadderWV CD rates currently range from 1.398% (3-month) to 2.307% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a West Virginia CD at 5.09% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsWest Virginia’s average 12-month CD is 2.628% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our West Virginia CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for 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 sourcing data 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 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: October 13, 2026
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