Best 4-Year CD Rates in South Charleston, West Virginia, WV

You are viewing rates from banks across South Charleston

Below are four-year CD Rates from banks in West Virginia . Four-Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

South Charleston, WV - August 1, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 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
Merrick Bank	4.05%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.20% → 4.10% → 4.00% → 3.85% → 4.05%
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)
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Citizens	2.75%	$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
JPMorgan Chase Bank, National Association By-Pass Plaza Branch	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 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 Charleston Main Branch	1.90%	$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)
Putnam County Bank Putnam County Bank Branch	1.50%	$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)
Woodforest National Bank 0345 Fairmont West Virginia Branch	1.30%	$500	-	Learn More
Rate History: 1.00% → 1.30% → 1.40% → 1.30%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
BCBank, Inc. Bcbank, Inc. Branch	1.25%	$10,000	-	Learn More Add Review
FNB Bank, Inc. Fnb Bank, Inc. Branch	1.20%	$10,000	-	Learn More Add Review
Williamstown Bank, Inc. Williamstown Bank, Inc. Branch	1.01%	$500	-	Learn More
HugoZH \| Mar 20, 2023 Would not trust their business services department. Read More Reviews (1)
Mountain Valley Bank, N.A. Mountain Valley Bank, N.A. Branch	1.00%	$100,000	-	Learn More Add Review
The Citizens Bank of Weston The Citizens Bank Of Weston Branch	1.00%	$10,000	-	Learn More Add Review
The Harrison County Bank The Harrison County Bank Branch	0.95%	$100,000	-	Learn More Add Review
First Exchange Bank First Exchange Bank Branch	0.90%	$10,000	-	Learn More Add Review
The Harrison County Bank The Harrison County Bank Branch	0.85%	$1,000	-	Learn More Add Review
First Mutual Bank, FSB 3850 Emerson Ave Branch	0.85%	$10,000	-	Learn More Add Review
Bank of Mingo Bank Of Mingo Branch	0.85%	$10,000	-	Learn More Add Review
Freedom Bank, Inc. Freedom Bank, Inc. Branch	0.75%	$10,000	-	Learn More Add Review
West Union Bank West Union Bank Branch	0.75%	$10,000	-	Learn More Add Review
Bank of Charles Town Bank Of Charles Town Branch	0.75%	$10,000	-	Learn More Add Review
Whitesville State Bank Whitesville State Bank Branch	0.75%	$10,000	-	Learn More Add Review
MVB Bank, Inc Mvb Bank, Inc Branch	0.75%	$10,000	-	Learn More Add Review
MCNB Bank and Trust Co. Mcnb Bank And Trust Co. Branch	0.75%	$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)
The First National Bank of Peterstown The First National Bank Of Peterstow Branch	0.75%	$10,000	-	Learn More Add Review
First National Bank of Pennsylvania Wellsburg Branch	0.70%	$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)
Capon Valley Bank Capon Valley Bank Branch	0.70%	$10,000	-	Learn More Add Review
The First National Bank of Williamson The First National Bank Of Williamso Branch	0.70%	$100,000	-	Learn More Add Review
Pioneer Community Bank, Inc. Pioneer Community Bank, Inc. Branch	0.70%	$10,000	-	Learn More
WV guy \| Jun 18, 2020 Best local savings rate. Good friendly service. Read More Reviews (1)
New Peoples Bank, Inc. Princeton Office Branch	0.70%	$10,000	-	Learn More Add Review
WesBanco Bank, Inc. Sistersville Branch	0.65%	$10,000	-	Learn More Add Review
Hancock County Savings Bank, F.S.B. Hancock County Savings Bank, F.S.b. Branch	0.65%	$10,000	-	Learn More Add Review
Clear Mountain Bank Clear Mountain Bank Branch	0.65%	$500	-	Learn More Add Review
Pendleton Community Bank, Inc. Pendleton Community Bank, Inc. Branch	0.65%	$10,000	-	Learn More Add Review
Mountain Valley Bank, N.A. Mountain Valley Bank, N.A. Branch	0.65%	$10,000	-	Learn More Add Review
Jefferson Security Bank Jefferson Security Bank Branch	0.65%	$10,000	-	Learn More Add Review
Community Bank of Parkersburg Community Bank Of Parkersburg Branch	0.60%	$10,000	-	Learn More Add Review
The Poca Valley Bank, Inc. The Poca Valley Bank, Inc. Branch	0.60%	$10,000	-	Learn More Add Review
The First National Bank of Williamson The First National Bank Of Williamso Branch	0.60%	$10,000	-	Learn More Add Review
Citizens Bank of Morgantown, Inc. Citizens Bank Of Morgantown, Inc. Branch	0.55%	$100,000	-	Learn More Add Review
The Pleasants County Bank The Pleasants County Bank Branch	0.55%	$10,000	-	Learn More Add Review
Huntington Federal Savings Bank Huntington Federal Savings Bank Branch	0.55%	$500	-	Learn More
Jeffreylynnstrother \| Jan 25, 2017 Local bank Read More Reviews (2)
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$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
The Huntington National Bank Harrisville 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)
First United Bank & Trust South Berkeley Branch	0.50%	$10,000	-	Learn More Add Review
MVB Bank, Inc Mvb Bank, Inc Branch	0.50%	$10,000	-	Learn More Add Review
Citizens Bank of West Virginia, Inc. Tucker County Branch	0.50%	$10,000	-	Learn More Add Review
First Neighborhood Bank First Neighborhood Bank Branch	0.50%	$10,000	-	Learn More Add Review
Clay County Bank, Inc. Clay County Bank, Inc. Branch	0.50%	$1,000	-	Learn More Add Review
Logan Bank & Trust Company Logan Bank & Trust Company Branch	0.50%	$10,000	-	Learn More Add Review
Union Bank, Inc. Sistersville Branch	0.49%	$100,000	-	Learn More Add Review
Citizens Bank of Morgantown, Inc. Citizens Bank Of Morgantown, Inc. Branch	0.45%	$10,000	-	Learn More Add Review
The Ohio Valley Bank Company Milton Branch	0.45%	$10,000	-	Learn More Add Review
The Farmers Bank and Savings Company Mason Branch	0.45%	$10,000	-	Learn More Add Review
The Bank of Monroe The Bank Of Monroe Branch	0.45%	$10,000	-	Learn More Add Review
Union Bank, Inc. Sistersville Branch	0.39%	$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
First Community Bank Bluefield Branch	0.21%	$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-Citizens Bank & Trust Company Marlinton Main Branch	0.15%	$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)
PNC Bank, National Association West Virginia University 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)
Fifth Third Bank, National Association Huntington Downtown 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 10007

Branch	Street	City	State
JPMorgan Chase Bank, National Association By-Pass Plaza Branch	4140 Robert C Byrd Drive	Beckley	WV
United Bank Charleston Main Branch	500 Virginia Street East	Charleston	WV
Putnam County Bank Putnam County Bank Branch	2761 Main Street	Hurricane	WV
Woodforest National Bank 0345 Fairmont West Virginia Branch	32 Tygart Valley Mall	Fairmont	WV
BCBank, Inc. Bcbank, Inc. Branch	107 Pike Street	Philippi	WV
FNB Bank, Inc. Fnb Bank, Inc. Branch	105 North High Street	Romney	WV
Williamstown Bank, Inc. Williamstown Bank, Inc. Branch	435 Highland Avenue	Williamstown	WV
Mountain Valley Bank, N.A. Mountain Valley Bank, N.A. Branch	317 Davis Avenue	Elkins	WV
The Citizens Bank of Weston The Citizens Bank Of Weston Branch	201 Main Avenue	Weston	WV
The Harrison County Bank The Harrison County Bank Branch	Main Street	Lost Creek	WV
First Exchange Bank First Exchange Bank Branch	11 West Main Street	Mannington	WV
The Harrison County Bank The Harrison County Bank Branch	Main Street	Lost Creek	WV
First Mutual Bank, FSB 3850 Emerson Ave Branch	3850 Emerson Ave	Parkersburg	WV
Guaranty Bank Inc. Bank Of Mingo Branch	10 Commerce Drive	Williamson	WV
Freedom Bank, Inc. Freedom Bank, Inc. Branch	315 Crim Avenue	Belington	WV
West Union Bank West Union Bank Branch	212 Main Street	West Union	WV
Bank of Charles Town Bank Of Charles Town Branch	111 East Washington Street	Charles Town	WV
Whitesville State Bank Whitesville State Bank Branch	38609 Coal River Rd	Whitesville	WV
MVB Bank, Inc Mvb Bank, Inc Branch	301 Virginia Avenue	Fairmont	WV
MCNB Bank and Trust Co. Mcnb Bank And Trust Co. Branch	75 Wyoming Street	Welch	WV
The First National Bank of Peterstown The First National Bank Of Peterstow Branch	220 Market Street	Peterstown	WV
First National Bank of Pennsylvania Wellsburg Branch	1015 Commerce Street	Wellsburg	WV
Capon Valley Bank Capon Valley Bank Branch	2 W. Main Street	Wardensville	WV
The First National Bank of Williamson The First National Bank Of Williamso Branch	68 E. 2nd Avenue	Williamson	WV
Pioneer Community Bank, Inc. Pioneer Community Bank, Inc. Branch	5229 Coal Heritage Road	Iaeger	WV
New Peoples Bank, Inc. Princeton Office Branch	1221 Stafford Drive	Princeton	WV
WesBanco Bank, Inc. Sistersville Branch	250 Charles Street	Sistersville	WV
Hancock County Savings Bank, F.S.B. Hancock County Savings Bank, F.S.b. Branch	351 Carolina Avenue	Chester	WV
Clear Mountain Bank Clear Mountain Bank Branch	160 Morgantown St	Bruceton Mills	WV
Pendleton Community Bank, Inc. Pendleton Community Bank, Inc. Branch	300 North Main Street	Franklin	WV
Mountain Valley Bank, N.A. Mountain Valley Bank, N.A. Branch	317 Davis Avenue	Elkins	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. The Poca Valley Bank, Inc. Branch	7033 Charleston Road	Walton	WV
The First National Bank of Williamson The First National Bank Of Williamso Branch	68 E. 2nd Avenue	Williamson	WV
Citizens Bank of Morgantown, Inc. Citizens Bank Of Morgantown, Inc. Branch	265 High Street	Morgantown	WV
The Pleasants County Bank The Pleasants County Bank Branch	323 Second Street	Saint Marys	WV
Huntington Federal Savings Bank Huntington Federal Savings Bank Branch	1049 5th Avenue	Huntington	WV
The Huntington National Bank Harrisville Branch	121 North Court Street	Harrisville	WV
First United Bank & Trust South Berkeley Branch	U.S. Route 11 And State Route 51	Inwood	WV
MVB Bank, Inc Mvb Bank, Inc Branch	301 Virginia Avenue	Fairmont	WV
Citizens Bank of West Virginia, Inc. Tucker County Branch	224-226 Walnut Street	Parsons	WV
First Neighborhood Bank First Neighborhood Bank Branch	216 Market Street	Spencer	WV
Clay County Bank, Inc. Clay County Bank, Inc. Branch	150 Main Street	Clay	WV
Logan Bank & Trust Company Logan Bank & Trust Company Branch	43 Washington Avenue	Logan	WV
Union Bank, Inc. Sistersville Branch	700 Wells Street	Sistersville	WV
Citizens Bank of Morgantown, Inc. Citizens Bank Of Morgantown, Inc. Branch	265 High Street	Morgantown	WV
The Ohio Valley Bank Company Milton Branch	280 East Main Street	Milton	WV
The Farmers Bank and Savings Company Mason Branch	424 Second Street	Mason	WV
The Bank of Monroe The Bank Of Monroe Branch	39 Main Street	Union	WV
Union Bank, Inc. Sistersville Branch	700 Wells Street	Sistersville	WV
First Community Bank Bluefield Branch	211 Federal Street	Bluefield	WV
First-Citizens Bank & Trust Company Marlinton Main Branch	201-209 8th Street	Marlinton	WV
PNC Bank, National Association West Virginia University Branch	1550 University Avenue	Morgantown	WV
Fifth Third Bank, National Association Huntington Downtown Branch	517 9th Street	Huntington	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

Four Year CDs - Branch Banks 2025

Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.

Safety

Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.

Interest

Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

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

South Charleston, West Virginia CD Rates – 4-Year

Branches Info around zip 10007

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in West Virginia

Download a Free eBook