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
- 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 - 4.25%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 - Fairmont Federal Credit UnionShare CertificatesCD · 12 months · $500 min · 4.15%–4.35% by balance
Credit union · 7 branches
4.15%APY$415 over 1 year 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
4.07% interest rate · Compounded monthly · Effective Oct 2, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 4.15% $100,000 and upJumbo Certificates 4.25% $250,000 and upJumbo Certificates 4.35% Rate checked
More details - 4.06%APY$406 over 1 year on $10,000
Requirements
Product: Available to residents in the local market area of Huntington Federal. Subject to penalty for early withdrawal. Rates guaranteed for the term of the certificate. Account fees may affect earnings.
Offer: 12 Month C.D.
4.00% interest rate · Effective Sep 22, 2026
Rate checked
More details - 4.00%APY$400 over 1 year 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 (12 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 - 3.91%APY$391 over 1 year 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: Paid at maturity. Early withdrawal forfeits all earned dividends.
3.84% interest rate · Effective Oct 6, 2026
Rate checked
More details - West Virginia Central Federal Credit UnionCertificate of Deposit Rate SpecialsCD · 12 months · $1,000 min
Credit union · 3 branches
3.85%APY$385 over 1 year 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 - 3.82%APY$382 over 1 year on $10,000
Requirements
Product: Add .10% to the rate for an amount of $50,000 to $74,999.99. Add .20% to the rate for an amount of $75,000 and over. Certificates must be at least $2,500 to qualify for monthly dividend payments. Advantage Plus Checking PLUS Benefit: .25 added to Share Certificates of $25,000 or more.
Offer: Certificates must be at least $2,500 to qualify for monthly dividend payments. Add .10% to the rate for $50,000 to $74,999.99; add .20% for $75,000 and over.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Ohio Valley Community Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 1 branch
3.82%APY$382 over 1 year on $10,000Requirements
Product: Flexible terms from 3 months to 5 years, with a minimum deposit of $1000.00. Dividends compound monthly or can be transferred to savings account monthly or at maturity.
3.75% interest rate · Effective Sep 24, 2026
Rate checked
More details - Fayette Federal Credit UnionShare Certificate / CD (12 Month CD)CD · 12 months · 3.29%–3.80% by balance
Credit union · 1 branch
3.80%APY$380 over 1 year on $10,000Requirements
Product: Early withdrawal penalty applies. Certificates are compounded quarterly. Minimum deposit requirement to open a certificate.
Offer: Under $10k. 3.25% APR. Compounded quarterly. Early withdrawal penalty applies.
3.25% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Share Certificate / CD (12 Month CD) Balance APY Up to $10,000 3.29% $10,000 and upYour amountOver $10k. 3.75% APR. 3.80% Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.
3.68% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.75%APY$375 over 1 year 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: Available to open online. Minimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings.
3.70% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Dividends compounded monthly and remain on deposit until maturity. Early withdrawal penalty applies. Must open a savings account with a minimum deposit of $5.00 for credit union membership.
3.69% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 3.70%APY$370 over 1 year 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.
3.65% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.65%APY$365 over 1 year 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 quarterly (QTL). Early withdrawal penalty of 30 days. One withdrawal per term with penalty.
Promotional rate · 3.60% interest rate · Compounded quarterly · Effective Oct 14, 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 1-year CDs pay in West Virginia
79 CDs at 71 banks and credit unions · checked Oct 16–22
- Typical
- 2.70%
- Top 10% from
- 3.82%
- Banks, typical
- 1.56%
- Credit unions, typical
- 3.25%
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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