Bank · FDIC insured
Citizens Bank of West Virginia CD Rates
A $772.5M bank headquartered in Elkins, WV, with 9 branches in 2 states.
How Citizens Bank of West Virginia’s CD rates compare
Compared with banks and credit unions in West Virginia, where Citizens Bank of West Virginia has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank of West Virginia
4.00%APY
- Term
- 4 months
- Minimum
- $10,000
- Earns on $10,000
- $132
Certificate of Deposit
Top rate
First Choice America Community Federal Credit Union
5.22%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $657
2nd-highest rate
4.58%APY
- Term
- 25 months
- Minimum
- $10,000
- Earns on $10,000
- $978
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Certificate of Deposit
Up to 4.00%APY · 12 terms
Deposits of $500 or more may be added to an IRA certificate of deposit at any time. IRA deposits are subject to rules for IRA accounts. Certificates of Deposit will automatically renew at maturity. APY assumes interest will remain on deposit until maturity. Withdrawals, fees and other conditions could reduce earnings. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–3 monthsCompounding at maturity. Term: 7-90 Day | 0.20% | $0 |
| 3 monthsCompounding at maturity | 0.20% | $5 |
| 4 monthsCompounding quarterly. Minimum balance to open a CD and earn stated APY is $10,000. Penalties may be imposed for early withdrawal. At maturity, the 4-month CD will renew to a 3 month CD, at the rate we are paying on the date of maturity for a 3 month CD. Other terms and conditions may apply | 4.00% | $132 |
| 6 monthsCompounding at maturity | 0.25% | $12 |
| 12 monthsCompounding quarterly | 0.30% | $30 |
| 15 monthsCompounding quarterly. Minimum balance to open a CD and earn stated APY is $10,000. Penalties may be imposed for early withdrawal. At maturity, the 15 month CD will renew to a 12 month CD, at the rate we are paying on the date of maturity for a 12 month CD. Other terms and conditions may apply | 3.75% | $471 |
| 18 monthsCompounding quarterly | 0.35% | $53 |
| 24 monthsCompounding quarterly | 0.45% | $90 |
| 30 monthsCompounding quarterly | 0.50% | $125 |
| 36 monthsCompounding quarterly | 0.55% | $166 |
| 48 monthsCompounding quarterly | 0.70% | $283 |
| 60 monthsCompounding quarterly | 1.00% | $510 |
Sources (1)
- citizenswv.com/personal/savings · captured Oct 4, 2026
IRA Certificate of Deposit
Up to 1.00%APY · 10 terms
Deposits of $500 or more may be added to an IRA certificate of deposit at any time. IRA deposits are subject to rules for IRA accounts. Certificates of Deposit will automatically renew at maturity. APY assumes interest will remain on deposit until maturity. Withdrawals, fees and other conditions could reduce earnings. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–3 monthsCompounding at maturity. Term: 7-90 Day | 0.20% | $0 |
| 3 monthsCompounding at maturity | 0.20% | $5 |
| 6 monthsCompounding at maturity | 0.25% | $12 |
| 12 monthsCompounding quarterly | 0.30% | $30 |
| 18 monthsCompounding quarterly | 0.35% | $53 |
| 24 monthsCompounding quarterly | 0.45% | $90 |
| 30 monthsCompounding quarterly | 0.50% | $125 |
| 36 monthsCompounding quarterly | 0.55% | $166 |
| 48 monthsCompounding quarterly | 0.70% | $283 |
| 60 monthsCompounding quarterly | 1.00% | $510 |
Sources (1)
- citizenswv.com/personal/savings · captured Oct 4, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.