Best 3-Year CD Rates in West Virginia, WV

You are viewing rates from banks across West Virginia

Below are three-year CD Rates from banks in West Virginia. Three-years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.

WV - July 30, 2025

3 Year CD National Average : 0.75% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.10% → 4.15% → 4.10% → 4.00% → 4.15%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
Prime Alliance Bank	4.15%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.25% → 4.00% → 3.75% → 4.00% → 4.15%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
Synchrony Bank	4.00%	$0	-	Learn More Add Review
Rate History: 4.15% → 4.00% → 3.90% → 3.75% → 4.00%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
TotalDirect, a division of City National Bank of Florida	4.00%	$25,000	-	Learn More Add Review
Rate History: 3.56% → 4.16% → 4.00%
79Thru \| Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 180 days interest.
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.35% → 4.35% → 4.19% → 3.77% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Colorado Federal Savings Bank	3.95%	$5,000	-	Learn More Add Review
Early Withdrawal penalty is 6 Months' interest. Rate History: 4.50% → 4.40% → 4.15% → 4.00% → 3.95%
jp2 \| Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More
Merrick Bank	3.95%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.10% → 4.30% → 4.10% → 4.00% → 3.95%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
M.Y. Safra Bank	3.91%	$500	-	Learn More
Rate History: 3.00% → 4.45%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Goldman Sachs Bank	3.90%	$500	-	Learn More Add Review
Rate History: 3.90% → 3.60% → 3.65% → 4.00% → 3.90%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.35% → 4.00% → 3.60% → 3.91% → 3.80%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Virtualbank, a division of First Horizon Bank	3.77%	$10,000	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 2% of principal.
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
Limelight Bank, A division of Capital Community Bank	3.75%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.25% → 4.15% → 4.00% → 3.95% → 3.75%
Savvysaver \| Jun 26, 2020 Rate not current Read More
CFG Bank	3.75%	$500	-	Learn More Add Review
Rate History: 3.65% → 3.85% → 3.75% → 3.65% → 3.75%
TJK \| Sep 30, 2023 CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More
American Express Bank, FSB	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
Banesco USA	3.60%	$1,000	-	Learn More
Rate History: 5.10% → 0.55% → 2.50% → 4.00% → 3.60%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity. Rate History: 4.20% → 4.10% → 3.75% → 3.45% → 3.50%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.60% → 3.50% → 3.40% → 3.50%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
LendingClub	3.50%	$2,500	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.30% → 4.00% → 3.50%
overdrawn \| Nov 12, 2022 I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More Reviews (21)
Vio Bank, A Division of MidFirst Bank	3.50%	$500	-	Learn More Add Review
Rate History: 2.75% → 2.75% → 3.50%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
Sallie Mae Bank	3.40%	$2,500	-	Learn More
Rate History: 4.00% → 4.15% → 4.00% → 3.60% → 3.40%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
Gateway First Bank	3.40%	$500	-	Learn More
Rate History: 3.10% → 3.40%
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Bank of Whittier, National Association	3.36%	$1,000	-	Learn More Add Review
Finworth	3.30%	$50,000	-	Learn More Add Review
Geoffrey Christopher 1 \| Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More
Ivy Bank, a division of Cambridge Savings Bank	3.25%	$0	-	Learn More Add Review
Rate History: 3.25% → 3.60% → 3.25%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More
Citizens	3.25%	$5,000	-	Learn More
Rate History: 3.10% → 2.85% → 3.50% → 3.25%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Peak Bank, a division of Idaho First Bank	3.14%	$500	-	Learn More Add Review
Gary Smith \| Jan 28, 2025 4.75% is an introductory rate and they are not openly clear about that. Don't expect 4.75% to continue. They are otherwise competitive. Read More
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.15% → 4.50% → 4.35% → 3.50% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Barclays Bank Delaware	3.00%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.30% → 3.50% → 4.00% → 3.50% → 3.00%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
Blue Foundry Bank	3.00%	$1,000	-	Learn More Add Review
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 18 months interest. Rate History: 3.50% → 3.00% → 2.60% → 3.00%
Citizens	2.85%	$5,000	-	Learn More Add Review
james \| Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Rising Bank, a division of Midwest BankCentre	2.70%	$25,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.35% → 2.70%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More
Clear Sky Accounts	2.65%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 2.75% → 2.65%
ruler009 \| May 26, 2017 Before009 Read More
Dollar Savings Direct, a division of Emigrant Bank	2.50%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty in 180 days interest. Rate History: 5.00% → 3.50% → 3.00% → 2.50%
J Dally \| Jun 13, 2023 I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More
My Savings Direct, a division of Emigrant Bank	2.25%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty in 180 days interest. Rate History: 5.00% → 4.00% → 3.00% → 2.25%
not perfect but \| Apr 25, 2023 with all of these online bank, including the well known ones, delaying transfers forever in order to fund these high rates, this one still executes inbound and outbound transfers immediately. Read More
Salem Five Direct	2.00%	$10,000	-	Learn More Add Review
LarryMass \| Dec 8, 2020 Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More
Citibank, National Association	2.00%	$0	-	Learn More
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 1.98% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association Chapmanville Branch	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
United Bank Scott Depot Branch	1.85%	$500	-	Learn More
Jimleestro \| Apr 12, 2019 United Bank in Front Royal does not know how to set up an inherited IRA. It took over two months to transfer it from Merrill Edge. Several mistakes were made. And then they did not title it correctly. T... Read More Reviews (1)
Hingham Institution for Savings	1.70%	$1,000	-	Learn More Add Review
Hingham Savings	1.70%	$1,000	-	Learn More Add Review
USAA Federal Savings Bank	1.55%	$1,000	-	Learn More
Rate History: 2.75% → 2.55% → 1.55%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Woodforest National Bank 0688 Martinburg West Virginia Walmar Branch	1.40%	$500	-	Learn More
Rate History: 1.00% → 1.40% → 2.25% → 1.40%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
USAA Federal Savings Bank	1.30%	$1,000	-	Learn More Add Review
Rate History: 2.75% → 2.55% → 1.30%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
Putnam County Bank Interstate Branch	1.25%	$1,000	-	Learn More
Skamer187 \| Mar 19, 2021 This rate is not true call it is only 0.40 lady she would have it changed a week ago Read More Reviews (1)
BCBank, Inc. Fairmont Branch	1.10%	$10,000	-	Learn More Add Review
FNB Bank, Inc. Hampshire Square Branch	1.10%	$10,000	-	Learn More Add Review
The Harrison County Bank West Milford Branch	0.95%	$100,000	-	Learn More Add Review
New Peoples Bank, Inc. Oakvale Office Branch	0.90%	$10,000	-	Learn More Add Review
Bank5 Connect	0.85%	$500	-	Learn More Add Review
BW \| Jul 17, 2021 I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More
Bank of Commerce and Trust Company	0.85%	$1,000	-	Learn More Add Review
The Harrison County Bank West Milford Branch	0.85%	$1,000	-	Learn More Add Review
First Mutual Bank, FSB 3850 Emerson Ave Branch	0.75%	$10,000	-	Learn More Add Review
Williamstown Bank, Inc. Williamstown Bank, Inc. Branch	0.75%	$500	-	Learn More
HugoZH \| Mar 20, 2023 Would not trust their business services department. Read More Reviews (1)
Bank of Mingo Delbarton Branch	0.75%	$10,000	-	Learn More Add Review
Miners & Merchants Bank Front Street Branch	0.70%	$100,000	-	Learn More Add Review
Bank of Charles Town Martinsburg Branch	0.70%	$10,000	-	Learn More Add Review
Whitesville State Bank Comfort Branch	0.70%	$10,000	-	Learn More Add Review
Calhoun County Bank, Inc. Arnoldsburg Branch	0.65%	$10,000	-	Learn More Add Review
Mountain Valley Bank, N.A. Mill Creek Branch	0.65%	$100,000	-	Learn More Add Review
The Citizens Bank of Weston Jane Lew Branch	0.65%	$10,000	-	Learn More Add Review
MCNB Bank and Trust Co. Drive-In Facility Branch	0.65%	$10,000	-	Learn More
PISSED PARENT \| Jun 5, 2020 MCNB BANK IS NOT A CUSTOMER FRIENDLY BANK AND DOES NOT CARE ABOUT ITS CUSTOMERS. THIER ATM'S ARE PIECES OF JUNK THAT MAY OR MAY NOT GIVE YOU YOUR MONEY AND WHEN IT DOESN'T GIVE YOU YOUR MONEY YOU ARE JUST ... Read More Reviews (1)
First National Bank of Pennsylvania Follansbee Branch	0.60%	$10,000	-	Learn More
Mark \| Apr 21, 2020 Your information is very inaccurate. Interest rates are a fraction of 1%. Call the bank yourself. Read More Reviews (1)
First Exchange Bank Hundred Branch	0.60%	$10,000	-	Learn More Add Review
Freedom Bank, Inc. Buckhannon Branch	0.60%	$10,000	-	Learn More Add Review
West Union Bank Newpointe Plaza Shopping Center Bran Branch	0.60%	$10,000	-	Learn More Add Review
Capon Valley Bank Moorefield Branch	0.60%	$10,000	-	Learn More Add Review
The Grant County Bank The National Bank Of Davis/Branch	0.60%	$10,000	-	Learn More Add Review
Mountain Valley Bank, N.A. Mill Creek Branch	0.60%	$10,000	-	Learn More Add Review
Davis Trust Company Davis Trust Company Branch	0.60%	$10,000	-	Learn More Add Review
The First National Bank of Williamson The First National Bank Of Williamso Branch	0.60%	$100,000	-	Learn More Add Review
Pendleton Community Bank, Inc. Marlinton Branch	0.55%	$10,000	-	Learn More Add Review
The Pleasants County Bank Belmont Branch	0.55%	$10,000	-	Learn More Add Review
Huntington Federal Savings Bank East Hills Mall Branch	0.55%	$500	-	Learn More
Jeffreylynnstrother \| Jan 25, 2017 Local bank Read More Reviews (2)
Pioneer Community Bank, Inc. War Branch	0.55%	$10,000	-	Learn More
WV guy \| Jun 18, 2020 Best local savings rate. Good friendly service. Read More Reviews (1)
The Huntington National Bank The Huntington National Bank Branch	0.50%	$1,000	-	Learn More
Allan \| Mar 18, 2021 I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More Reviews (1)
Clear Mountain Bank Reedsville Office Branch	0.50%	$500	-	Learn More Add Review
WesBanco Bank, Inc. Bruceton Mills Branch	0.50%	$10,000	-	Learn More Add Review
Hancock County Savings Bank, F.S.B. 375 Three Springs Drive Branch	0.50%	$10,000	-	Learn More Add Review
Jefferson Security Bank Jefferson Security Bank Branch	0.50%	$10,000	-	Learn More Add Review
Community Bank of Parkersburg Community Bank Of Parkersburg Branch	0.50%	$10,000	-	Learn More Add Review
The Poca Valley Bank, Inc. Elkview Branch	0.50%	$10,000	-	Learn More Add Review
MVB Bank, Inc Somerset Branch	0.50%	$10,000	-	Learn More Add Review
The First National Bank of Williamson The First National Bank Of Williamso Branch	0.50%	$10,000	-	Learn More Add Review
Citizens Bank of Morgantown, Inc. Citizens Bank Of Morgantown, Inc. Branch	0.45%	$100,000	-	Learn More Add Review
Union Bank, Inc. Hundred Office Branch	0.45%	$100,000	-	Learn More Add Review
The Farmers Bank and Savings Company Mason Branch	0.45%	$10,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.40%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
First United Bank & Trust South Berkeley Branch	0.40%	$10,000	-	Learn More Add Review
MVB Bank, Inc Somerset Branch	0.40%	$10,000	-	Learn More Add Review
Miners & Merchants Bank Front Street Branch	0.40%	$10,000	-	Learn More Add Review
First Neighborhood Bank South Parkersburg Office Branch	0.40%	$10,000	-	Learn More Add Review
The Ohio Valley Bank Company Point Pleasant Branch	0.40%	$10,000	-	Learn More Add Review
Clay County Bank, Inc. Clay Branch	0.40%	$1,000	-	Learn More Add Review
The Bank of Monroe Lewisburg Branch	0.40%	$10,000	-	Learn More Add Review
Logan Bank & Trust Company Harts Branch	0.40%	$10,000	-	Learn More Add Review
CNB Bank, Inc. Hedgesville Branch	0.35%	$500	-	Learn More Add Review
Community Bank	0.35%	$10,000	-	Learn More Add Review
Citizens Bank of Morgantown, Inc. Citizens Bank Of Morgantown, Inc. Branch	0.35%	$10,000	-	Learn More Add Review
Union Bank, Inc. Hundred Office Branch	0.35%	$10,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
WebBank	0.25%	$2,500	-	Learn More
Rate History: 2.75% → 0.25%
dbestway@gmail.com \| Aug 13, 2019 I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More Reviews (2)
Citizens Bank of West Virginia, Inc. Third And Kerens Drive-In Branch	0.25%	$10,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
First Community Bank Cherry River Plaza Branch	0.19%	$10,000	-	Learn More Add Review
TD Bank, National Association	0.15%	$10,000	-	Learn More
Rate History: 3.51% → 1.00% → 3.51% → 1.00% → 0.15%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Peoples Bank Sistersvile Branch	0.12%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmethreethousanddollars Read More Reviews (1)
U.S. Bank National Association	0.10%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
OneWest Bank, a division of First-Citizens Bank and Trust	0.05%	$500	-	Learn More Add Review
First-Citizens Bank & Trust Company Fairlea Express Branch	0.05%	$500	-	Learn More
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.02% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
PNC Bank, National Association Suncrest Towne Centre Branch	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)
Fifth Third Bank, National Association Charleston Banking Center Branch	0.01%	$500	-	Learn More
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116

Branch	Street	City	State
JPMorgan Chase Bank, National Association Chapmanville Branch	510 Airport Rd	Chapmanville	WV
United Bank Scott Depot Branch	Route 34 At Poplar Fork Road	Scott Depot	WV
Woodforest National Bank 0688 Martinburg West Virginia Walmar Branch	800 Foxcroft Avenue	Martinsburg	WV
Putnam County Bank Interstate Branch	300 Hurricane Creek Road	Hurricane	WV
BCBank, Inc. Fairmont Branch	936 East Park Avenue	Fairmont	WV
FNB Bank, Inc. Hampshire Square Branch	Route 50, Hc-63, Box 3270	Romney	WV
The Harrison County Bank West Milford Branch	Main Street & Vesta Drive	West Milford	WV
New Peoples Bank, Inc. Oakvale Office Branch	207 Oakvale Rd	Princeton	WV
The Harrison County Bank West Milford Branch	Main Street & Vesta Drive	West Milford	WV
First Mutual Bank, FSB 3850 Emerson Ave Branch	3850 Emerson Ave	Parkersburg	WV
Williamstown Bank, Inc. Williamstown Bank, Inc. Branch	435 Highland Avenue	Williamstown	WV
Guaranty Bank Inc. Delbarton Branch	U.S. Highway 52 And State Route 65	Delbarton	WV
Miners & Merchants Bank Front Street Branch	Front Street	Bayard	WV
Bank of Charles Town Martinsburg Branch	9738 Tuscarora Pike	Martinsburg	WV
Whitesville State Bank Comfort Branch	7070 Coal River Rd	Comfort	WV
Calhoun County Bank, Inc. Arnoldsburg Branch	Route 33 West	Arnoldsburg	WV
Mountain Valley Bank, N.A. Mill Creek Branch	9896 Seneca Trail	Mill Creek	WV
The Citizens Bank of Weston Jane Lew Branch	47 Industrial Park Rd	Jane Lew	WV
MCNB Bank and Trust Co. Drive-In Facility Branch	94 Howard Street	Welch	WV
First National Bank of Pennsylvania Follansbee Branch	1409 Main Street	Follansbee	WV
First Exchange Bank Hundred Branch	Po Box 780 Rt 250	Hundred	WV
Freedom Bank, Inc. Buckhannon Branch	302 Rr 20, South Road	Buckhannon	WV
West Union Bank Newpointe Plaza Shopping Center Bran Branch	320 Emily Drive	Clarksburg	WV
Capon Valley Bank Moorefield Branch	717 North Main Street	Moorefield	WV
The Grant County Bank The National Bank Of Davis/Branch	William Avenue	Davis	WV
Mountain Valley Bank, N.A. Mill Creek Branch	9896 Seneca Trail	Mill Creek	WV
Davis Trust Company Davis Trust Company Branch	227 Davis Avenue	Elkins	WV
The First National Bank of Williamson The First National Bank Of Williamso Branch	East Fourth Avenue And Logan Street	Williamson	WV
Pendleton Community Bank, Inc. Marlinton Branch	19180 Seneca Trail	Marlinton	WV
The Pleasants County Bank Belmont Branch	519 Riverview Drive	Belmont	WV
Huntington Federal Savings Bank East Hills Mall Branch	5175 Us Route 60 East	Huntington	WV
Pioneer Community Bank, Inc. War Branch	14229 Rocket Boy's Drive	War	WV
The Huntington National Bank The Huntington National Bank Branch	1500 Grand Central Avenue	Vienna	WV
Clear Mountain Bank Reedsville Office Branch	115 North Robert Stone Way	Reedsville	WV
WesBanco Bank, Inc. Bruceton Mills Branch	Route 73, Morgantown Street	Bruceton Mills	WV
Hancock County Savings Bank, F.S.B. 375 Three Springs Drive Branch	375 Three Springs Drive	Weirton	WV
Jefferson Security Bank Jefferson Security Bank Branch	105 E Washington Street	Shepherdstown	WV
Community Bank of Parkersburg Community Bank Of Parkersburg Branch	631 Juliana Street	Parkersburg	WV
The Poca Valley Bank, Inc. Elkview Branch	U.S. Highway 119 And State Road 43	Elkview	WV
MVB Bank, Inc Somerset Branch	88 Somerset Boulevard	Charles Town	WV
The First National Bank of Williamson The First National Bank Of Williamso Branch	East Fourth Avenue And Logan Street	Williamson	WV
Citizens Bank of Morgantown, Inc. Citizens Bank Of Morgantown, Inc. Branch	265 High Street	Morgantown	WV
Union Bank, Inc. Hundred Office Branch	St Rt 250	Hundred	WV
The Farmers Bank and Savings Company Mason Branch	424 Second Street	Mason	WV
First United Bank & Trust South Berkeley Branch	U.S. Route 11 And State Route 51	Inwood	WV
MVB Bank, Inc Somerset Branch	88 Somerset Boulevard	Charles Town	WV
Miners & Merchants Bank Front Street Branch	Front Street	Bayard	WV
First Neighborhood Bank South Parkersburg Office Branch	500 Division Street	Parkersburg	WV
The Ohio Valley Bank Company Point Pleasant Branch	328 Viand Street	Point Pleasant	WV
Clay County Bank, Inc. Clay Branch	2236 Main Street	Clay	WV
The Bank of Monroe Lewisburg Branch	3268 Jefferson Street N	Lewisburg	WV
Logan Bank & Trust Company Harts Branch	1218 Mcclellan Highway	Harts	WV
CNB Bank, Inc. Hedgesville Branch	2646 Hedgesville Road	Martinsburg	WV
Citizens Bank of Morgantown, Inc. Citizens Bank Of Morgantown, Inc. Branch	265 High Street	Morgantown	WV
Union Bank, Inc. Hundred Office Branch	St Rt 250	Hundred	WV
Citizens Bank of West Virginia, Inc. Third And Kerens Drive-In Branch	Third Street And Kerens Avenue	Elkins	WV
First Community Bank Cherry River Plaza Branch	White Avenue And Railroad Street	Richwood	WV
Peoples Bank Sistersvile Branch	726 Wells Street	Sistersville	WV
First-Citizens Bank & Trust Company Fairlea Express Branch	U.S. Highway 219 South	Fairlea	WV
PNC Bank, National Association Suncrest Towne Centre Branch	455 Suncrest Towne Centre Drive, Suite 101	Morgantown	WV
Fifth Third Bank, National Association Charleston Banking Center Branch	700 Virginia Street East, Suite 100	Charleston	WV

See rates for Online Banks →

See rates for Credit Unions →

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2025

A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.

The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.

Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.

While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates

Cash Savings

Product:

Average Rate:

Best Rate:

Years at Rate:

Tax Rate:

CD Products by State

CD Products by City in West Virginia

CD Resources

Download a Free eBook

Bank On It:
The No Risk Way To Boost Your Savings

Download

BestCashCow
Guide To Credit Card Travel Rewards

Download

65 Questions to Ask before Choosing a CD

Download

The Insider's Guide
to
Mortgages

Download

Plan and Optimize Your Finances

West Virginia CD Rates – 3-Year

Branches Info around zip 10116

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2025

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in West Virginia

Download a Free eBook