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 31–45 results in West Virginia
- 4.00%APY$198 over 6 months on $10,000intro rate
Requirements
Product: Penalty may be imposed for early withdrawal + $25 Service Fee. Fees imposed could reduce earnings on the account.
Offer: Limited time special. Early withdrawal penalty plus $25 service fee may apply.
Promotional rate · 3.93% interest rate · Effective Oct 14, 2026
Rate checked
More details - West Virginia Central Federal Credit UnionCertificate of Deposit Rate SpecialsCD · 6 months · $1,000 min
Credit union · 3 branches
4.00%APY$198 over 6 months on $10,000intro rateRequirements
Product: 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.
Promotional rate
Rate checked
More details - First Priority Federal Credit UnionShare CertificateCD · 6 months · $1,000 min
Credit union · 2 branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: $1,000.00 minimum balance; early withdrawal penalty may apply. Funds are disbursed to shares at maturity. Dividends are paid monthly, either to an alternate share account or back to the certificate.
Offer: $1,000.00 minimum balance; early withdrawal penalty may apply. Funds are disbursed to shares at maturity.
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000with conditions
Requirements
Product: Relationship is defined by having a Main Street Bank checking account with transactions during the last 30 days, or opening a checking account on the same day as opening the Relationship CD. The Bank reserves the right to limit Relationship CD Specials to a maximum deposit amount of $250,000. All Relationship CD Specials automatically renew as a 12 month CD.
Offer: Choose Your Term Relationship CD Special (6 month term). Requires qualifying checking relationship. Automatically renews as 12 month.
Qualified rate · 3.94% interest rate · Balance cap $250,000
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: Promotional rates available for new money only (money not currently on deposit with the bank). At maturity, automatically renews for a term of 12 months. Early withdrawal penalty applies.
Offer: Promotional rate available for new money only (money not currently on deposit with the bank). At maturity, automatically renews for a term of 12 months. Early withdrawal penalty applies.
Promotional rate · 3.94% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000with conditions
Requirements
Product: Must have an existing First National Bank consumer or business checking account or open a new First National Bank consumer or business checking account. Not available for rollovers or transfers from other First National Bank deposit accounts or public funds. New money may be required. Penalty for early withdrawal.
Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $5,000.00. Early withdrawal penalty will be imposed.
Qualified rate · Effective Sep 24, 2026
Rate checked
More details - 4.00%APY$571 over 17 months on $10,000intro rate
Requirements
Product: Online CD promotion. Open online in minutes. Fixed APY.
Offer: Open online in minutes. Limited-time promotional online CD.
Promotional rate
Rate checked
More details - 4.00%APY$1,249 over 36 months on $10,000
Requirements
Product: 3 Month to 60 Month Term CD's Available. Substantial penalty on early withdrawal – Fees May Reduce Earnings. Call for all other terms/rates.
Offer: Quarterly compounding. Substantial penalty on early withdrawal – Fees May Reduce Earnings.
3.94% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.00%APY$1,249 over 36 months on $10,000intro rate
Requirements
Offer: Requires new money from an outside source
Promotional rate · 4.00% interest rate · Effective Sep 1, 2025
Rate checked
More details - 3.96%APY$600 over 18 months on $10,000
Requirements
Product: There is a substantial penalty for early withdrawal. Fixed interest rate for the specified term. FDIC-insured up to $250,000. Fees may reduce earnings.
3.90% interest rate · Effective Aug 3, 2026
Rate checked
More details - 3.95%APY$806 over 24 months on $10,000
Requirements
Product: Choose from a variety of maturity options ranging from 91 days to 72 months. Minimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings.
Offer: Minimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings.
3.89% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
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More details - 3.82%APY$189 over 6 months on $10,000
Requirements
Product: Membership is open to sworn-in members of IBEW Local Union 317 or immediate family members. All accounts opened as Regular Shares with an initial deposit of $5.25.
Offer: Dividends paid monthly.
3.75% interest rate
Rate checked
More details - 3.82%APY$545 over 17 months on $10,000intro rate
Requirements
Product: CD Special Rates. Penalty for early withdrawal may apply; withdrawals within first 6 days subject to 7 days' interest penalty. Automatically renews at maturity into a 6-month or 12-month CD depending on initial term. 10-day grace period to withdraw funds without penalty after maturity.
Offer: Initial term 17 months. Must deposit at least $500 to open and maintain $500 daily balance to obtain disclosed APY. Renews as a 12-month CD.
Promotional rate · Effective Sep 22, 2026
Rate checked
More details - 3.82%APY$2,062 over 60 months on $10,000
Requirements
Product: $500 minimum deposit to open. Terms available from 6 months to 5 years. Early withdrawal penalty may apply. Fixed rates. No setup or maintenance fees. Dividends may be added back into the account, transferred to another credit union account, or mailed each month.
3.75% interest rate · Effective Oct 1, 2026
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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