Credit union · NCUA insured
West Virginia Central Federal Credit Union CD Rates
Top CarrotWest Virginia Central Federal Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 22, 2026.
How West Virginia Central Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Parkersburg, WV, where West Virginia Central Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
West Virginia Central Federal Credit Union
4.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $198
Certificate of Deposit Rate Specials
Top rate
WEE Federal Credit Union
4.34%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,359
2nd-highest rate
First Mutual Bank
4.25%APY
- Term
- 25 months
- Minimum
- $500
- Earns on $10,000
- $906
West Virginia Central Federal Credit Union CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo2.38%
- 31–60 months31–60 mo2.63%
- QualifiedQualified4.00%
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 West Virginia Central 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.
Certificate of Deposit Rate Specials
Up to 4.00%APY · 2 terms
At the time of your maturity date, please call us at (304) 485-4523 to speak to a Member Service Representative in order to receive the special rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 3.85% | $385 |
Savings (Share) Certificates
Up to 2.63%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPaid Monthly | 1.63% | $41 |
| 6 monthsPaid Monthly | 1.68% | $84 |
| 9 monthsPaid Monthly | 1.68% | $126 |
| 12 monthsPaid Monthly | 1.88% | $188 |
| 15 monthsPaid Monthly | 1.88% | $236 |
| 18 monthsPaid Monthly | 2.03% | $306 |
| 21 monthsPaid Monthly | 2.03% | $358 |
| 24 monthsPaid Monthly | 2.38% | $482 |
| 36 monthsPaid Monthly. Request up to 3 rate increases during the 36 month term. An active Share Draft (checking) account is required to request a rate increase (defined as 5 transactions posting and clearing within the last 30 days of the request; online account transfers do not count) | 2.63% | $810 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 2.63%APY · 9 terms
Educational IRAs may be purchased for a minimum of $500.00 for any term. No monthly or annual service charge.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPaid Monthly. Educational IRAs opening minimum is $500.00 | 1.63% | $41 |
| 6 monthsPaid Monthly. Educational IRAs opening minimum is $500.00 | 1.68% | $84 |
| 9 monthsPaid Monthly. Educational IRAs opening minimum is $500.00 | 1.68% | $126 |
| 12 monthsPaid Monthly. Educational IRAs opening minimum is $500.00 | 1.88% | $188 |
| 15 monthsPaid Monthly. Educational IRAs opening minimum is $500.00 | 1.88% | $236 |
| 18 monthsPaid Monthly. Educational IRAs opening minimum is $500.00 | 2.03% | $306 |
| 21 monthsPaid Monthly. Educational IRAs opening minimum is $500.00 | 2.03% | $358 |
| 24 monthsPaid Monthly. Educational IRAs opening minimum is $500.00 | 2.38% | $482 |
| 36 monthsPaid Monthly. Request up to 3 rate increases during the 36 month term. An active Share Draft (checking) account is required to request a rate increase (defined as 5 transactions posting and clearing within the last 30 days of the request; online account transfers do not count). Educational IRAs opening minimum is $500.00 | 2.63% | $810 |
Sources (3)
- wvccu.org/Accounts/Personal-Sa…tirement-Accounts-(IRAs)
- wvccu.org/Rates/Investment-Rates
- wvccu.org/Accounts/Personal-Savings/Share-Certificates
All captured Oct 15, 2026
Who can join West Virginia Central Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.