Credit union · NCUA insured
Fairmont Federal Credit Union CD Rates
Fairmont Federal Credit Union’s best CD rate is 4.55% APY on a 4-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Fairmont Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Fairmont, WV, where Fairmont Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Fairmont Federal Credit Union
4.35%APY
- Term
- 48 months
- Minimum
- —
- Earns on $10,000
- $1,857
Share Certificates
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
3rd-highest rate
MVB Bank
4.11%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $376
Fairmont Federal Credit Union CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo4.35%
- QualifiedQualified4.35%
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 Fairmont Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.35%APY · 6 terms
Fixed rates throughout length of term. Dividends earned may be: Deposited into another account Compounded monthly back into the certificate Dividend-only penalty for early withdrawal Auto-renewed unless specified $500–$1,500 minimum deposit to open Request Info Membership eligibility requirements may apply
| Term | APY · $500 and up | APY · $1,500 and up | APY · $100,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3–11 months | 0.75% | — | — | — | 0.75% | $19 |
| 3–11 monthsJumbo Certificates | — | — | 0.85% | 0.95% | —0.85% from $100k0.95% from $250k | — |
| 12 months | 4.15% | — | — | — | 4.15% | $415 |
| 12 monthsJumbo Certificates | — | — | 4.25% | 4.35% | —4.25% from $100k4.35% from $250k | — |
| 24 months | — | 4.15% | — | — | 4.15% | $847 |
| 24 monthsJumbo Certificates | — | — | 4.25% | 4.35% | —4.25% from $100k4.35% from $250k | — |
| 35 months | — | 4.25% | — | — | 4.25% | $1,291 |
| 35 monthsJumbo Certificates | — | — | 4.35% | 4.45% | —4.35% from $100k4.45% from $250k | — |
| 48 months | — | 4.35% | — | — | 4.35% | $1,857 |
| 48 monthsJumbo Certificates | — | — | 4.45% | 4.55% | —4.45% from $100k4.55% from $250k | — |
| 60 months | — | 3.00% | — | — | 3.00% | $1,593 |
| 60 monthsJumbo Certificates | — | — | 3.10% | 3.20% | —3.10% from $100k3.20% from $250k | — |
Special-purpose accounts
Traditional & Roth IRA Certificates
Up to 4.00%APY · 3 terms
Traditional and Roth IRA options. No setup fees No monthly or annual maintenance fees IRA Club and Certificate investment options Traditional vs. Roth Which kind of IRA works best for you? Rates subject to change without notice. Penalties may be incurred for early withdrawal of term share certificates. Rates are based upon credit union participation. Membership eligibility requirements may apply.
| Term | APY · $2,000 and up | APY · $100,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 3.00% | — | — | 3.00% | $300 |
| 12 monthsJumbo Certificates | — | 3.10% | 3.20% | —3.10% from $100k3.20% from $250k | — |
| 36 months | 3.50% | — | — | 3.50% | $1,087 |
| 36 monthsJumbo Certificates | — | 3.60% | 3.70% | —3.60% from $100k3.70% from $250k | — |
| 48 months | 4.00% | — | — | 4.00% | $1,699 |
| 48 monthsJumbo Certificates | — | 4.10% | 4.20% | —4.10% from $100k4.20% from $250k | — |
Sources (2)
- fairmontfcu.com/services-tools/tools/rates.html
- fairmontfcu.com/accounts/perso…ement-accounts-iras.html
All captured Oct 15, 2026
Youth Certificate Special
3.85%APY · 1 term
This special is for our youth accounts up to age 17 years old, one certificate per social security number, Jumbo rates do not apply. Penalties may be incurred for early withdrawal of term share certificates. Membership eligibility requirements may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsThis special is for our youth accounts up to age 17 years old, one certificate per social security number, Jumbo rates do not apply | 3.85% | — |
Sources (1)
- fairmontfcu.com/services-tools/tools/rates.html · captured Oct 15, 2026
Who can join Fairmont Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone living or working in Marion, Monongalia, Preston, Harrison and Taylor counties.
Cost to join
- Join Fairmont Federal Credit Union for $5.
Membership information collected October 4, 2026.