Compare Bank & Credit Union Rates
Best CD rates in West Virginia
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in West Virginia
- First Choice America Community Federal Credit UnionCertificate SpecialsCD · 15 months · $500 min
Credit union · 6 branches
5.22%APY$657 over 15 months on $10,000intro rateRequirements
Product: Limited time offer. Minimum purchase is $500. Penalty for early withdrawal. Membership eligibility required. Federally insured by NCUA.
Offer: Limited time offer. Minimum purchase is $500. Penalty for early withdrawal. Membership eligibility required.
Promotional rate · Effective Mar 4, 2024
Rate checked
More details - 4.58%APY$978 over 25 months on $10,000
Requirements
Product: Penalty for early withdrawal.
Offer: Substantial penalty for early withdrawal.
4.50% interest rate · Effective Oct 22, 2026
Rate checked
More details - Patriot Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min · 4.40%–4.60% by balance
Credit union · 1 branch
4.50%APY$1,925 over 48 months on $10,000Requirements
Product: Penalty for early withdrawal. Rates tiered based on amount of deposit. Fixed dividend rate, monthly dividends. Insured up to $250,000 by NCUA. Open with as little as $1,000. Available in terms of 3 months to 5 years.
Offer: Penalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance.
Effective Sep 16, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $9,999 4.40% $10,000 – $24,999Your amount 4.50% $25,000 – $99,999 4.50% $100,000 – $250,000 4.55% Over $250,000 4.60% Rate checked
More details - Fairmont Federal Credit UnionShare CertificatesCD · 48 months · $1,500 min · 4.35%–4.55% by balance
Credit union · 7 branches
4.35%APY$1,857 over 48 months on $10,000Requirements
Product: Fixed rates throughout length of term. Dividends earned may be: Deposited into another account Compounded monthly back into the certificate Dividend-only penalty for early withdrawal Auto-renewed unless specified $500–$1,500 minimum deposit to open Request Info Membership eligibility requirements may apply
4.27% interest rate · Compounded monthly · Effective Oct 2, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,500 and upYour amount 4.35% $100,000 and upJumbo Certificates 4.45% $250,000 and upJumbo Certificates 4.55% Rate checked
More details - 4.34%APY$1,359 over 36 months on $10,000
Requirements
Product: All dividends earned on share certificates will be forfeited if funds are withdrawn before maturity. Dividends paid at maturity.
Offer: Rising Market Certificate. Members may request 2 rate increases during the 36 month term. Rates are based on 36 month rate offered by WEE Federal Credit Union. Paid at maturity. Early withdrawal forfeits all earned dividends.
4.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - Charleston FCUShare Certificate AccountsCD · 12 months · 2.27%–4.33% by balance
Credit union · 1 branch
4.33%APY$433 over 1 year on $10,000intro rateRequirements
Product: Fees could reduce the earnings on Club and Share Certificate Accounts. Rates subject to change without notice.
Promotional rate · 2.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Accounts Balance APY Any balance 2.27% $10,000 and upYour amountCD SPECIAL; $10,000 or more 4.33% Rate checked
More details - 4.31%APY$919 over 25 months on $10,000
Requirements
Product: $1,000 minimum deposit required. Flexible terms. Interest compounded and credited monthly; monthly interest distribution available. Early withdrawal penalties may apply.
Offer: $1,000 minimum deposit required to open and attain the stated APY. Early withdrawal penalty may apply. Compounded and credited monthly.
Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - 4.25%APYintro rate
Requirements
Product: All certificates are automatically renewable. $5,000.00 initial deposit required except those age 18 and under may open with $500. The annual percentage yields assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. Public funds over $250,000.00 excluded from this offer.
Offer: 12 thru 18 Month Certificate of Deposit. $5,000.00 initial deposit required except those age 18 and under may open with $500. Public funds over $250,000.00 excluded.
Promotional rate · 4.16% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.25%APY$461 over 13 months on $10,000with conditions
Requirements
Product: Guaranteed fixed rate certificate. PFI members unlock rates up to 4.25% APY with checking account and direct deposit. APY accurate as of 1/1/26.
Offer: PFI rate. Requires Primary Financial Institution (PFI) relationship (open checking account and set up direct deposit).
Qualified rate · Effective Jan 1, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$906 over 25 months on $10,000intro rate
Requirements
Product: At maturity, the 25-month certificate automatically renews for a term of 24-months. Funds must remain on deposit for the term of the certificate. A penalty for early withdrawal may apply. Fees could reduce earnings. This special is available for a limited time and is subject to change without notice.
Offer: At maturity, automatically renews for a term of 24-months. Funds must remain on deposit for the term of the certificate. A penalty for early withdrawal may apply. Fees could reduce earnings. This special is available for a limited time and is subject to change without notice.
Promotional rate · 4.18% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.22%APY$2,296 over 60 months on $10,000
Requirements
Product: Penalty for early withdrawal. Fees could reduce earnings. Rates are subject to change without notice.
Offer: $500 minimum balance to obtain Annual Percentage Yield. Penalty for early withdrawal.
4.15% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.18%APY$1,078 over 30 months on $10,000intro rate
Requirements
Product: 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.
Offer: Compounded daily. Early withdrawal penalty of 90 days. Three withdrawals per year with penalty.
Promotional rate · 4.10% interest rate · Compounded daily · Effective Oct 14, 2026
Rate checked
More details - Justice Federal Credit UnionSpecial 10-Month Share CertificateCD · 10 months · $500 min
Credit union · 3 branches
4.15%APY$345 over 10 months on $10,000with conditionsRequirements
Product: Certificate is subject to penalty for early withdrawal (terms of 12 months or less will lose 90 days of dividends; terms of 13 months or more will lose 180 days of dividends). Certificate will renew at prevailing rates upon maturity. Rates with relationship boost include a 0.10% (10 basis points) Justice National or Beyond the Badge Checking Account relationship rate increase on the new certificate. Accounts must be under the same Member Number. Justice Federal reserves the right to end promotional offer without prior notice.
Offer: With a Justice National or Beyond the Badge Account (includes a .10% relationship rate increase).
Qualified rate · 4.09% interest rate · Effective Oct 1, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in West Virginia
672 CDs at 81 banks and credit unions · checked Oct 16–22
- Typical
- 2.44%
- Top 10% from
- 4.00%
- Banks, typical
- 1.81%
- Credit unions, typical
- 3.08%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
West Virginia
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- CommunityAmerica Credit UnionCredit union · 1 branch
- First Peoples Community Federal Credit UnionCredit union · 2 branches
- WEPCO Federal Credit UnionCredit union · 2 branches