Bank · FDIC insured
The Bank of Romney CD Rates
The Bank of Romney’s best CD rate is 4.18% APY on a 30-month CD. Terms run from 9 months to 5 years. Rates checked October 22, 2026.
How The Bank of Romney’s CD rates compare
Compared with banks and credit unions near Winchester, VA-WV, where The Bank of Romney has the most branches. $10,000, best rate first.
This bank’s best
The Bank of Romney
4.18%APY
- Term
- 30 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,078
Certificates of Deposit
Top rate
Apple FCU
5.00%APY
- Term
- 70 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $3,292
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
The Bank of Romney CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 9–15 months9–15 mo4.01%
- 16–30 months16–30 mo4.18%
- 31–60 months31–60 mo3.56%
- QualifiedQualified4.18%
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 The Bank of Romney 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
Up to 4.18%APY · 7 terms
Low minimum deposit of $500.00 for CDs of 18 months or shorter, $1,000.00 for 24-60 month CDs. Terms range from 91 days to 60 months. Penalty for early withdrawal. Interest may be compounded, transferred to another account, or sent by check.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm: 182 days. Compounded quarterly (QTL). Early withdrawal penalty of 30 days. One withdrawal per term with penalty | 3.39% | $0 |
| UnknownTerm: 91 days. Compounded quarterly (QTL). Early withdrawal penalty of 30 days. One withdrawal per term with penalty | 3.29% | $0 |
| 9 monthsCompounded quarterly (QTL). Early withdrawal penalty of 30 days. One withdrawal per term with penalty | 3.60% | $269 |
| 12 monthsCompounded quarterly (QTL). Early withdrawal penalty of 30 days. One withdrawal per term with penalty | 3.65% | $365 |
| 15 monthsSpecial certificate. Compounded quarterly (QTL). Early withdrawal penalty of 30 days. Must be compounded and auto-renews to 12-month term (after 10-day grace period) at current rate on maturity date | 4.01% | $504 |
| 24 monthsCompounded daily. Early withdrawal penalty of 90 days. Three withdrawals per year with penalty | 3.72% | $758 |
| 30 monthsCompounded daily. Early withdrawal penalty of 90 days. Three withdrawals per year with penalty | 4.18% | $1,078 |
| 60 monthsCompounded daily. Early withdrawal penalty of 180 days. Three withdrawals per year with penalty | 3.56% | $1,911 |
Sources (3)
- bankofromney.net/personal/cds-and-iras
- bankofromney.net/personal/savings
- bankofromney.net/resources/rates
All captured Oct 15, 2026
Certificate Builder
3.30%APY · 1 term
18 Months term only. One monthly deposit, $500.00 minimum. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months18 Months term only. One monthly deposit, $500.00 minimum. Compounded daily. Early withdrawal penalty of 90 days | 3.30% | $499 |
Sources (1)
- bankofromney.net/resources/rates · captured Oct 15, 2026
Opening an account
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