Credit union · NCUA insured
West Virginia Federal Credit Union CD Rates
West Virginia Federal Credit Union’s best CD rate is 3.60% APY on an 11-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How West Virginia Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Charleston, WV, where West Virginia Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
West Virginia Federal Credit Union
3.60%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $330
Share Certificates
Top rate
Charleston FCU
4.33%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $433
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
West Virginia Federal Credit Union CD score
72
CD score
Higher than 30% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.20%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.60%
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 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.
Share Certificates
Up to 3.60%APY · 11 terms
Dividends compound and credit monthly. Additional deposits are not permitted. Early withdrawal penalty applies: terms 12 months or less have a 90-day penalty; terms over 12 months have a 180-day penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.30% | $81 |
| 5 months | 3.40% | $140 |
| 6 monthsDividends pay at maturity for 6 Month Certificate | 3.30% | $164 |
| 11 months | 3.60% | $330 |
| 12 months | 3.50% | $350 |
| 18 months | 3.20% | $484 |
| 24 months | 3.20% | $650 |
| 30 months | 3.00% | $767 |
| 36 months | 3.00% | $927 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.50% | $1,314 |
Special-purpose accounts
Traditional/ Roth IRA Certificates
Up to 3.50%APY · 5 terms
Dividends compounded and paid monthly. Additional deposits allowed at maturity. Withdrawals based on IRA limitations. A fee is imposed for transfers or early closeout for non-qualified reason.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.50% | $350 |
| 24 months | 3.20% | $650 |
| 36 months | 3.00% | $927 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.50% | $1,314 |
Who can join West Virginia Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to the community field of membership in Cabell County, WV.
- Membership is open to persons who live, work, worship, or attend school in, and businesses and other legal entities located in Kanawha and Putnam Counties, WV.
- Membership is open to the community field of membership in Wayne, Lincoln, and Boone Counties, WV.
Other ways
- Membership is open to volunteers in the communities served.
Membership information collected October 4, 2026.