Credit union · NCUA insured
Charleston FCU Savings Rates
Charleston FCU’s best savings rate is 0.25% APY on $10,000, with its Share Accounts (Savings). Rates checked October 22, 2026.
How Charleston FCU’s savings rates compare
Compared with banks and credit unions near Charleston, WV, where Charleston FCU has the most branches. $10,000, best rate first.
This credit union’s best
Charleston FCU
0.25%APY
- Requires
- None
- Minimum
- $27
- Earns on $10,000 a year
- $25
Share Accounts (Savings)
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
West Virginia National Guard FCU
1.51%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $151
Charleston FCU savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Charleston FCU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Accounts (Savings)
0.25%APY
Primary account required for membership. Initial deposit of $27 includes a $25 minimum balance and a one-time $2 opening fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$25 minimum balance and a one-time $2 opening fee ($27 initial deposit required to open).$25 and up | 0.25% | $25 | $25 minimum balance and a one-time $2 opening fee ($27 initial deposit required to open). |
Special-purpose accounts
Christmas Club
2.27%APY · 1 term
Begins in October and pays out at the beginning of the following October. Maximum monthly deposit of $500. $10 fee for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMaximum monthly deposit of $500; payout 1st of October; $10 withdrawal fee for early withdrawals | 2.27% | $227 |
Vacation Club
0.50%APY
Can be opened at any time. Limit of 3 withdrawals per calendar year; $5 fee after the third withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance3 withdrawals per calendar year limit; $5 fee after the third withdrawal.Any balance | 0.50% | $50 | 3 withdrawals per calendar year limit; $5 fee after the third withdrawal. |
Who can join Charleston FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.