Bank · FDIC insured
First Exchange Bank CD Rates
First Exchange Bank’s best CD rate is 3.95% APY on a 2-year CD. Terms run from 6 months to 6 years. Rates checked October 22, 2026.
How First Exchange Bank’s CD rates compare
Compared with banks and credit unions near Fairmont, WV, where First Exchange Bank has the most branches. $10,000, best rate first.
This bank’s best
First Exchange Bank
3.95%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $806
Regular CDs
Top rate
Fairmont Federal Credit Union
4.35%APY
- Term
- 48 months
- Minimum
- —
- Earns on $10,000
- $1,857
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
First Exchange Bank CD score
80
CD score
Higher than 53% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo2.22%
- QualifiedQualified3.95%
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 First Exchange Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Regular CDs
Up to 3.95%APY · 13 terms
Choose from a variety of maturity options ranging from 91 days to 72 months. Minimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months182-day term. Minimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings | 3.55% | $176 |
| 9 monthsMinimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings | 3.65% | $273 |
| 10 monthsMinimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings | 3.70% | $307 |
| 12 monthsAvailable to open online. Minimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings | 3.75% | $375 |
| 15 monthsMinimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings | 3.15% | $395 |
| 18 monthsMinimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings | 0.15% | $23 |
| 24 monthsMinimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings | 3.95% | $806 |
| 27 monthsMinimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings | 0.15% | $34 |
| 30 monthsMinimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings | 0.20% | $50 |
| 36 monthsMinimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings | 2.22% | $681 |
| 48 monthsMinimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings | 0.40% | $161 |
| 60 monthsMinimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings | 0.50% | $253 |
| 72 monthsMinimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings | 0.50% | $304 |
Sources (2)
All captured Oct 15, 2026
Closed to new customers
Special CDs
Up to 4.05%APY · 7 terms
Special CD rates are valid for firstDirect Interest, firstDeluxe, and firstPremium Interest Checking Account holders unless otherwise specified. Substantial penalties may be imposed for early withdrawal. Fees may reduce account earnings. Limited time offer.
| Term | APY · $2,500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months182-day term. Minimum balance to open and maintain advertised APY is $2,500. Substantial penalties may be imposed for early withdrawal. Fees may reduce account earnings. Limited time offer | 3.65% | — | 3.65% | $181 |
| 9 monthsValid for firstDirect Interest, firstDeluxe, and firstPremium Interest Account Holders only. Minimum balance to open and maintain advertised APY is $10,000. Substantial penalties may be imposed for early withdrawal. Fees may reduce account earnings. Limited time offer | — | 3.75% | 3.75% | $280 |
| 12 monthsValid for firstDirect Interest, firstDeluxe, and firstPremium Interest Account Holders only. Minimum balance to open and maintain advertised APY is $10,000. Available to open online. Substantial penalties may be imposed for early withdrawal. Fees may reduce account earnings. Limited time offer | — | 3.85% | 3.85% | $385 |
| 13 monthsValid for firstDirect Interest, firstDeluxe, and firstPremium Interest Account Holders only. Minimum balance to open and maintain advertised APY is $10,000. Substantial penalties may be imposed for early withdrawal. Fees may reduce account earnings. Limited time offer | — | 4.05% | 4.05% | $439 |
| 15 monthsValid for firstDirect Interest, firstDeluxe, and firstPremium Interest Account Holders only. Minimum balance to open and maintain advertised APY is $10,000. Substantial penalties may be imposed for early withdrawal. Fees may reduce account earnings. Limited time offer | — | 3.25% | 3.25% | $408 |
| 24 monthsValid for firstDirect Interest, firstDeluxe, and firstPremium Interest Account Holders only. Minimum balance to open and maintain advertised APY is $10,000. Substantial penalties may be imposed for early withdrawal. Fees may reduce account earnings. Limited time offer | — | 4.05% | 4.05% | $826 |
| 36 monthsValid for firstDirect Interest, firstDeluxe, and firstPremium Interest Account Holders only. Minimum balance to open and maintain advertised APY is $10,000. Substantial penalties may be imposed for early withdrawal. Fees may reduce account earnings. Limited time offer | — | 2.32% | 2.32% | $712 |
Sources (2)
All captured Oct 15, 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.