Credit union · NCUA insured
West Virginia Central Federal Credit Union Savings Rates
Top CarrotWest Virginia Central Federal Credit Union’s best savings rate is 0.95% APY on $10,000, with its Premium Savings (Share) Account. Rates checked October 22, 2026.
How West Virginia Central Federal Credit Union’s savings 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
0.95%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $95
Premium Savings (Share) Account
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
First Mutual Bank
3.04%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $304
West Virginia Central Federal Credit Union savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.95%
- $100,000 balance$100,0001.35%
- QualifiedQualified4.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Kasasa Saver
4.50%APY on $10,000
Links with free Kasasa Cash or Kasasa Cash Back checking account to build savings automatically. Rewards and ATM fee refunds transfer monthly. No monthly service fee. No minimum balance to earn rewards. No minimum deposit to open.
| Part of the balance | Rate on that part |
|---|---|
| Up to $75,000 | 4.50% |
| Over $75,000 | 0.35% |
On $10,000 the tiers blend to about 4.50% APY, earning $450 a year.
Sources (1)
- wvccu.org/Accounts/Personal-Savings/Kasasa-Saver · captured Oct 4, 2026
Premium Savings (Share) Account
0.95%APY
Dividends paid monthly based on tier amount on deposit. No restrictions on withdrawals. If balance falls below $2,000.00, dividend is paid at the Regular Share Rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $10,000Dividends paid monthly. | 0.80% | — | Dividends paid monthly. |
| $10,000 – $25,000Dividends paid monthly. | 0.95% | $95 | Dividends paid monthly. |
| $25,000 – $50,000Dividends paid monthly. | 1.05% | — | Dividends paid monthly. |
| $50,000 – $100,000Dividends paid monthly. | 1.20% | — | Dividends paid monthly. |
| $100,000 – $200,000Dividends paid monthly. | 1.35% | — | Dividends paid monthly. |
| $200,000 and upDividends paid monthly. | 1.50% | — | Dividends paid monthly. |
Sources (3)
All captured Oct 4, 2026
Regular Savings (Share) Account
0.50%APY
Dividends paid monthly on a minimum daily balance of $25.00. No maintenance fees. Serves as membership account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Dividends paid monthly. | 0.45% | — | Dividends paid monthly. |
| $1,000 and upDividends paid monthly. | 0.50% | $50 | Dividends paid monthly. |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
KODA Youth Savings
5.00%APY
Parents can open an account for their child, separate from their own. Open with $5.00 minimum deposit. Dividends paid monthly. For accounts opened within 6 months of child's birth, WV Central deposits $50.00 held until age 18.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Dividends paid monthly on balances up to $2,500.00.Up to $2,500 | 5.00% | — | Dividends paid monthly on balances up to $2,500.00. |
Sources (3)
- wvccu.org
- wvccu.org/Accounts/Youth-Accounts/New-Birth-Deposit
- wvccu.org/Accounts/Youth-Accounts/Youth-Savings
All captured Oct 4, 2026
Daily IRA Account
1.00%APY
Designed to help save for retirement with tax advantages on contributions. Options include Traditional, Roth, and Coverdell Education IRAs. No monthly or annual service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly.Any balance | 1.00% | $100 | Dividends paid monthly. |
Sources (2)
All captured Oct 4, 2026
Christmas Club Accounts
0.25%APY
No minimum deposit required. Dividends paid monthly. Funds disbursed first day in October by transfer into share savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly. Deposit To Shares.Any balance | 0.25% | $25 | Dividends paid monthly. Deposit To Shares. |
Sources (2)
All captured Oct 4, 2026
Vacation Club Accounts
0.25%APY
No minimum deposit required. Dividends paid monthly. Funds disbursed first day in May by transfer into share savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly. Deposit To Shares.Any balance | 0.25% | $25 | Dividends paid monthly. Deposit To Shares. |
Sources (2)
All captured Oct 4, 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.