Bank · FDIC insured
First Sentinel Bank CD Rates
First Sentinel Bank’s best CD rate is 4.22% APY on a 5-year CD. Terms run from 9 months to 5 years. Rates checked October 22, 2026.
How First Sentinel Bank’s CD rates compare
Compared with banks and credit unions near Bluefield, WV-VA, where First Sentinel Bank has the most branches. $10,000, best rate first.
This bank’s best
First Sentinel Bank
4.22%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,296
Certificates of Deposit (CDs)
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
First Sentinel Bank CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 9–15 months9–15 mo4.01%
- 16–30 months16–30 mo4.11%
- 31–60 months31–60 mo4.22%
- QualifiedQualified4.22%
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 Sentinel 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.
Certificates of Deposit (CDs)
Up to 4.22%APY · 5 terms
Penalty for early withdrawal. Fees could reduce earnings. Rates are subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months$500 minimum balance to obtain Annual Percentage Yield. Penalty for early withdrawal | 3.85% | $287 |
| 13 months$500 minimum balance to obtain Annual Percentage Yield. Penalty for early withdrawal | 4.01% | $435 |
| 25 months$500 minimum balance to obtain Annual Percentage Yield. Penalty for early withdrawal | 4.11% | $875 |
| 36 months$500 minimum balance to obtain Annual Percentage Yield. Penalty for early withdrawal | 4.16% | $1,301 |
| 60 months$500 minimum balance to obtain Annual Percentage Yield. Penalty for early withdrawal | 4.22% | $2,296 |
Sources (1)
- firstsentinelbank.com/personal/cds-iras · captured Oct 4, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 4.22%APY · 5 terms
Penalty for early withdrawal. Fees could reduce earnings. Rates are subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months$500 minimum balance to obtain Annual Percentage Yield. Penalty for early withdrawal | 3.85% | $287 |
| 13 months$500 minimum balance to obtain Annual Percentage Yield. Penalty for early withdrawal | 4.01% | $435 |
| 25 months$500 minimum balance to obtain Annual Percentage Yield. Penalty for early withdrawal | 4.11% | $875 |
| 36 months$500 minimum balance to obtain Annual Percentage Yield. Penalty for early withdrawal | 4.16% | $1,301 |
| 60 months$500 minimum balance to obtain Annual Percentage Yield. Penalty for early withdrawal | 4.22% | $2,296 |
Sources (1)
- firstsentinelbank.com/personal/cds-iras · 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.