Bank · FDIC insured
First Mutual Bank CD Rates
Top CarrotFirst Mutual Bank’s best CD rate is 4.25% APY on a 25-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First Mutual Bank’s CD rates compare
Compared with banks and credit unions near Parkersburg, WV, where First Mutual Bank has the most branches. $10,000, best rate first.
This bank’s best
First Mutual Bank
4.25%APY
- Term
- 25 months
- Minimum
- $500
- Earns on $10,000
- $906
25-Month CD Special
Top rate
WEE Federal Credit Union
4.34%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,359
3rd-highest rate
Huntington Bank
4.10%APY
- Term
- 5 months
- Minimum
- $1,000
- Earns on $10,000
- $169
First Mutual Bank CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo1.56%
- QualifiedQualified4.25%
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 First Mutual 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.
25-Month CD Special
4.25%APY · 1 term
At maturity, the 25-month certificate automatically renews for a term of 24-months. Funds must remain on deposit for the term of the certificate. A penalty for early withdrawal may apply. Fees could reduce earnings. This special is available for a limited time and is subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 25 monthsAt maturity, automatically renews for a term of 24-months. Funds must remain on deposit for the term of the certificate. A penalty for early withdrawal may apply. Fees could reduce earnings. This special is available for a limited time and is subject to change without notice | 4.25% | $906 |
Sources (2)
All captured Oct 16, 2026
13-Month CD Special
4.00%APY · 1 term
Promotional rates available for new money only (money not currently on deposit with the bank). At maturity, automatically renews for a term of 12 months. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsPromotional rate available for new money only (money not currently on deposit with the bank). At maturity, automatically renews for a term of 12 months. Early withdrawal penalty applies | 4.00% | $434 |
9-Month CD
Up to 3.90%APY · 1 term
Compounded & credited quarterly. Automatic renewal for same term. 7-day grace period for deposits or withdrawals after maturity date. Early withdrawal penalty applies.
| Term | APY · Any balance | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 9 monthsCompounded & credited quarterly. Automatic renewal for same term. 7-day grace period for deposits or withdrawals after maturity date. Early withdrawal penalty applies | — | 1.00% | 1.00% | $75 |
| 9 monthsLimited time checking account bundle: must bundle with any First Mutual Bank checking account. Call local branch to reserve | 3.90% | — | 3.90% | $291 |
7-Month CD Special
3.75%APY · 1 term
Promotional rates available for new money only (money not currently on deposit with the bank). At maturity, automatically renews for a term of 6 months. Compounded & credited quarterly. 7-day grace period. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsPromotional rate available for new money only (money not currently on deposit with the bank). At maturity, automatically renews for a term of 6 months. Compounded & credited quarterly. 7-day grace period. Early withdrawal penalty applies | 3.75% | $217 |
60-Month CD
1.56%APY · 1 term
Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsEarly withdrawal penalty applies | 1.56% | $805 |
Sources (3)
- open.firstmutual.bank/products
- firstmutual.bank/bank/bank-rates
- firstmutual.bank/bank/certificates-of-deposit
All captured Oct 16, 2026
DirectSave CD
1.51%APY · 1 term
Compounded & credited monthly. Must set up ACH transfer of at least $25 per month from a checking account or outside savings account at account opening. Automatic renewal. 7 day grace period. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounded & credited monthly. Must set up ACH transfer of at least $25 per month from a checking account or outside savings account at account opening. Automatic renewal. 7 day grace period. Penalty for early withdrawal | 1.51% | $75 |
Sources (2)
All captured Oct 16, 2026
48-Month CD
1.45%APY · 1 term
Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsEarly withdrawal penalty applies | 1.45% | $593 |
Sources (3)
- open.firstmutual.bank/products
- firstmutual.bank/bank/bank-rates
- firstmutual.bank/bank/certificates-of-deposit
All captured Oct 16, 2026
36-Month CD
1.35%APY · 1 term
Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsEarly withdrawal penalty applies | 1.35% | $410 |
Sources (3)
- open.firstmutual.bank/products
- firstmutual.bank/bank/bank-rates
- firstmutual.bank/bank/certificates-of-deposit
All captured Oct 16, 2026
24-Month CD
1.25%APY · 1 term
Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsEarly withdrawal penalty applies | 1.25% | $252 |
Sources (3)
- open.firstmutual.bank/products
- firstmutual.bank/bank/bank-rates
- firstmutual.bank/bank/certificates-of-deposit
All captured Oct 16, 2026
18-Month CD
1.20%APY · 1 term
Renewal term is 18 months for the 18-Month CD. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsRenewal term is 18 months. Early withdrawal penalty applies | 1.20% | $181 |
Sources (3)
- open.firstmutual.bank/products
- firstmutual.bank/bank/bank-rates
- firstmutual.bank/bank/certificates-of-deposit
All captured Oct 16, 2026
12-Month CD
1.15%APY · 1 term
Compounded & credited quarterly. Automatic renewal for same term. 7-day grace period for deposits or withdrawals after maturity date. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounded & credited quarterly. Automatic renewal for same term. 7-day grace period for deposits or withdrawals after maturity date. Early withdrawal penalty applies | 1.15% | $115 |
Sources (3)
- open.firstmutual.bank/products
- firstmutual.bank/bank/bank-rates
- firstmutual.bank/bank/certificates-of-deposit
All captured Oct 16, 2026
6-Month CD
1.00%APY · 1 term
Compounded & credited quarterly. Automatic renewal for same term. 7-day grace period for deposits or withdrawals after maturity date. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounded & credited quarterly. Automatic renewal for same term. 7-day grace period for deposits or withdrawals after maturity date. Early withdrawal penalty applies | 1.00% | $50 |
Sources (3)
- open.firstmutual.bank/products
- firstmutual.bank/bank/bank-rates
- firstmutual.bank/bank/certificates-of-deposit
All captured Oct 16, 2026
Jump Rate CD
1.00%APY · 1 term
Opportunity to jump up to higher interest rate one time during the 27-month life of the CD after 6 months if current interest rate is higher. Renews for 24 months at maturity. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 27 monthsOpportunity to jump up to a higher interest rate one time after 6 months during the 27-month term if the current interest rate is higher. Renews for 24 months at maturity | 1.00% | $226 |
Sources (2)
All captured Oct 16, 2026
3-Month CD
0.75%APY · 1 term
Compounded & credited quarterly. Automatic renewal for same term. 7-day grace period for deposits or withdrawals after maturity date. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCompounded & credited quarterly. Automatic renewal for same term. 7-day grace period for deposits or withdrawals after maturity date. Early withdrawal penalty applies | 0.75% | $19 |
Sources (3)
- open.firstmutual.bank/products
- firstmutual.bank/bank/bank-rates
- firstmutual.bank/bank/certificates-of-deposit
All captured Oct 16, 2026
Opening an account
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