CDs & IRAs

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CD Rates

Product	Interest Rate	*APY
91 Days	0.50%	0.50%
6 Months	2.96%	3.00%
7 Months**	3.92%	4.00%
10 Months**	3.92%	4.00%
12 Months	1.00%	1.00%
13 Months	3.68%	3.75%
18 Months	1.98%	2.00%
24 Months	1.49%	1.50%
25 Months	2.71%	2.75%
30 Months	1.49%	1.50%
36 Months	1.49%	1.50%
60 Months	1.49%	1.50%

All CDs require a $500 minimum deposit to open and earn interest. Interest is compounded daily. A penalty may be imposed for early withdrawal.

*APY = Annual Percentage Yield

Rates are effective 1/3/2025. Rates are subject to change. You may call (304) 258-1520 to obtain the most current rates and for any questions you may have about our accounts.

**Promotional rates. Upon maturity the 7 month and 10 month CDs automatically renew to a 6 month CD at the prevailing rate.

IRA Rates

Product	Balance Tier	Interest Rate	APY*
18 Month Flex	Entire Balance	1.24%	1.25%
Money Market IRA	$1000.00 to $4,999.99	0.05%	0.05%
	$5,000.00 to $24,999.99	0.35%	0.35%
	$25,000.00 to $49,999.99	0.50%	0.50%
	$50,000.00 & Over	0.60%	0.60%

Interest is compounded daily.

*APY = Annual Percentage Yield
IRAs can be written in any CD term listed above, in addition to the 18-month Flex IRA.

Rates are effective 1/3/2025. Rates are subject to change. You may call (304) 258-1520 to obtain the most current rates and for any questions you may have about our accounts.

A penalty may be imposed for early withdrawal. 18-month Flex IRA rate may change after the account is opened.

CDs & IRAs

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