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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Wheeling, WV-OH metro
- First Choice America Community Federal Credit UnionCertificate SpecialsCD · 15 months · $500 min
Credit union · 3 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 - 4.31%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 This is a limited time offer and may be withdrawn at any time without notice.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 - 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 - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - WesBancoCertificates of Deposit (CDs)CD · 14 months · $1,000 min · 3.35%–4.10% by balance
Bank · 12 branches
4.10%APY$480 over 14 months on $10,000with conditionsRequirements
Product: Available in term increments from 3-60 months, earning a fixed-rate of interest. A penalty will be imposed for early withdrawal. Automatically renews at the end of the term unless instructed otherwise. Fees can reduce earnings.
Offer: $1,000 min. balance requirement to open. Apply Online. Penalty for early withdrawal.
Qualified rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Any balance 3.35% $1,000 – $9,999$1,000 – $9,999 in new money to WesBanco and have an active WesBanco checking account. Open in Branch. Funds deposited to a WesBanco deposit account within 30 days of opening the CD may qualify as new money. 3.85% $10,000 and upYour amountAbove $10,000 in new money to WesBanco and have an active WesBanco checking account. Open in Branch. The minimum to obtain the advertised APY is $10,000. Funds deposited to a WesBanco deposit account within 30 days of opening the CD may qualify as new money. 4.10% Rate checked
More details - Ohio Valley Community Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · 2 branches
4.08%APY$2,213 over 60 months 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.
4.00% interest rate · Effective Sep 24, 2026
Rate checked
More details - 4.05%APY$371 over 11 months on $10,000
Requirements
Product: Available for accounts opened online only. Minimum balance to open and obtain APY is $500; maximum amount is $10,000,000. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. At maturity, automatically rolls into a Standard CD at the standard rate closest to the initial term unless otherwise directed.
Offer: Opened online only. Interest credited quarterly. Early withdrawal penalty may apply.
3.99% interest rate · Balance cap $10,000,000
Rate checked
More details - First Choice America Community Federal Credit UnionADD-VantageCD · 7 months · $500 min
Credit union · 3 branches
4.02%APY$233 over 7 months on $10,000Requirements
Product: Based on a 7-month certificate option. Add to initial investment in increments of $500 or more. No additions to certificate can be made 7 days before maturity. Dividends calculated using Daily Balance Method and credited monthly.
Offer: Add to initial investment in increments of $500 or more. No additions can be made 7 days before maturity. Early withdrawal penalty: 180 days dividend penalty.
3.95% interest rate · Effective Aug 12, 2026
Rate checked
More details - First Choice America Community Federal Credit UnionCertificatesCD · 7 months · $500 min
Credit union · 3 branches
4.02%APY$233 over 7 months on $10,000Requirements
Product: Certificate rates are subject to change daily. Dividends are calculated using the Daily Balance Method and credited monthly. Dividends may be compounded, deposited into savings account, or paid by check. Penalty for early withdrawal.
Offer: Early withdrawal penalty: 180 days dividend penalty.
3.95% interest rate · Effective Aug 12, 2026
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 - 3.97%APY$397 over 1 year on $10,000
Requirements
Product: Monthly interest paid on all accounts. Early withdrawal penalties may apply. Rates are subject to change without notice.
Offer: Monthly interest paid on all accounts. Early withdrawal penalties may apply.
3.90% interest rate · Effective Aug 3, 2026
Rate checked
More details - Bayer Heritage Federal Credit UnionShare CertificatesCD · 12 months · $100 min
Credit union · 1 branch
3.55%APY$355 over 1 year on $10,000Requirements
Product: Add to certificate balance at any time; 10-day grace period; early withdrawal penalties apply.
3.49% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.50%APY$380 over 13 months on $10,000
Requirements
Product: Early withdrawal penalties apply. Fees may reduce earnings. APY assumes interest remains on deposit until maturity; withdrawals reduce earnings. Interest begins to accrue from the date of deposit. Interest can be paid monthly, quarterly, semiannually, or at maturity.
3.47% interest rate · Effective Jul 29, 2026
Rate checked
More details - 3.34%APY$334 over 1 year on $10,000
Requirements
Product: Certificate rates may change daily.
3.30% interest rate
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
What CDs pay in Wheeling, WV-OH metro
204 CDs at 15 banks and credit unions · checked Oct 16–22
- Typical
- 1.75%
- Top 10% from
- 3.99%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.43%
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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