Credit union · NCUA insured
West Virginia Federal Credit Union Savings Rates
West Virginia Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Super Saver Savings Accounts. Rates checked October 22, 2026.
How West Virginia Federal Credit Union’s savings 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
1.00%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $100
Super Saver Savings Accounts
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
West Virginia National Guard FCU
1.51%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $151
West Virginia Federal Credit Union savings score
85
Savings score
Higher than 70% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.00%
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 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.
Super Saver Savings Accounts
1.00%APY
Six withdrawals per calendar month without fee. Dividends calculated by the daily balance method and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier 1 rate tier. Dividends calculated by daily balance method (paid monthly). Six withdrawals per calendar month without fee. | 0.00% | — | Tier 1 rate tier. Dividends calculated by daily balance method (paid monthly). Six withdrawals per calendar month without fee. |
| $5,000 – $10,000Tier 2 rate tier. Dividends calculated by daily balance method (paid monthly). Six withdrawals per calendar month without fee. | 0.50% | — | Tier 2 rate tier. Dividends calculated by daily balance method (paid monthly). Six withdrawals per calendar month without fee. |
| $10,000 – $25,000Tier 3 rate tier. Dividends calculated by daily balance method (paid monthly). Six withdrawals per calendar month without fee. | 1.00% | $100 | Tier 3 rate tier. Dividends calculated by daily balance method (paid monthly). Six withdrawals per calendar month without fee. |
| $25,000 – $50,000Tier 4 rate tier. Dividends calculated by daily balance method (paid monthly). Six withdrawals per calendar month without fee. | 1.25% | — | Tier 4 rate tier. Dividends calculated by daily balance method (paid monthly). Six withdrawals per calendar month without fee. |
| $50,000 and upTier 5 rate tier. Dividends calculated by daily balance method (paid monthly). Six withdrawals per calendar month without fee. | 1.50% | — | Tier 5 rate tier. Dividends calculated by daily balance method (paid monthly). Six withdrawals per calendar month without fee. |
Sources (3)
All captured Sep 19, 2026
Regular Savings
0.50%APY
Requires maintaining credit union membership. Six withdrawals per calendar month without fee. Dividends calculated by daily balance method, compounded and paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$1.00 minimum balance must be maintained to establish membership and retain access to credit union services. $100 minimum daily balance to earn stated APY. Dividends compounded and paid monthly. Six withdrawals per calendar month without fee.$100 and up | 0.50% | $50 | $1.00 minimum balance must be maintained to establish membership and retain access to credit union services. $100 minimum daily balance to earn stated APY. Dividends compounded and paid monthly. Six withdrawals per calendar month without fee. |
Sources (3)
All captured Sep 19, 2026
Special-purpose accounts
Christmas Savings
1.50%APY
Dividends compounded monthly and paid monthly. Payout issued by check on the first of October. Fee is imposed on each withdrawal prior to the annual October payout.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $15 and upPayout check issued October 1st. Early withdrawal fee applies prior to October payout. Dividends compounded and paid monthly.$15 and up | 1.50% | $150 | Payout check issued October 1st. Early withdrawal fee applies prior to October payout. Dividends compounded and paid monthly. |
Sources (3)
All captured Sep 19, 2026
Traditional/ Roth IRA Savings
1.25%APY
Traditional and Roth IRA options available. IRA limitations apply. Cannot be pledged as collateral. Dividends calculated by the daily balance method (compounded and posted monthly).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Dividends calculated by daily balance method and posted monthly. Minimum daily balance of $100 to earn stated APY. IRA limitations apply. | 0.50% | — | Dividends calculated by daily balance method and posted monthly. Minimum daily balance of $100 to earn stated APY. IRA limitations apply. |
| $10,000 and upDividends calculated by daily balance method and posted monthly. IRA limitations apply. | 1.25% | $125 | Dividends calculated by daily balance method and posted monthly. IRA limitations apply. |
Sources (3)
All captured Sep 19, 2026
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.