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Consumer Rates

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Call us at 304-876-9000, send us an email, or visit one of our locations in Shepherdstown, Martinsburg, Charles Town, Inwood or Sharpsburg to get started.





Account Type Balance Interest Rate *APY
Interest Checking
Tier 1
 Balance is $25,000.00 or more 0.10% 0.10%
Interest Checking
Tier 2
 Balance is $24,999.99 or less 0.05% 0.05%
*Annual Percentage Yield
Interest rates may change at any time, including after account opening.
APY is accurate as of October 8, 2025.
Fees may reduce earnings on your account.
A minimum opening deposit of $50 is required.

Account Type Balance Interest Rate *APY
Money Market
Tier 1
 Balance is $200,000.00 or more 0.40% 0.40%
Money Market
Tier 2
 Balance is $100,000.00 to $199,999.99 0.30% 0.30%
Money Market
Tier 3
 Balance is $50,000.00 to $99,999.99 0.25% 0.25%
Money Market
Tier 4
 Balance is $25,000.00 to $49,999.99 0.20% 0.20%
Money Market
Tier 5
 Balance is $24,999.99 or less 0.10% 0.10%
*Annual Percentage Yield
Interest rates may change at any time, including after account opening.
APY is accurate as of October 8, 2025.
Fees may reduce earnings on your account.
A minimum opening deposit of $50 is required.
 
Account Type Balance Interest Rate *APY
Premier Savings**
Tier 1
 Balance is $25,000.00 or more 2.00% 2.02%
Premier Savings**
Tier 2
 Balance is $24,999.99 or less 1.00% 1.00%
Simple Savings N/A 0.05% 0.05%
Youth Savings
 N/A 0.05% 0.05%
Christmas Club
 N/A 0.05% 0.05%
*Annual Percentage Yield
**The Premier Savings account is packaged with the Premier Checking account. Both accounts must be opened and maintained to remain in this account type.
Interest rates may change at any time, including after account opening.
APY is accurate as of October 8, 2025.
Fees may reduce earnings on your account.
A minimum opening deposit of $50 is required.
 
Term Minimum Deposit Interest Rate *APY
3 Months $500.00 1.00% 1.00%
6 Months $500.00 3.94% 4.00%
12 Months $500.00 3.00% 3.03%
18 Months $500.00 2.50% 2.52%
24 Months $500.00 1.50% 1.51%
30 Months $500.00 1.30% 1.31%
36 Months $500.00 1.35% 1.36%
48 Months $500.00 1.40% 1.41%
60 Months $500.00 1.50% 1.51%
Customizer 11 Months $500.00 2.00% 2.02%
Customizer 36 Months $500.00 1.35% 1.36%
Special 13 Months $500.00 3.50% 3.55%
*Annual Percentage Yield
Interest rates may change at any time.
Once account is opened, interest rate will remain fixed for the specified term.
APY is accurate as of October 8, 2025.
Fees may reduce earnings on your account.
A minimum opening deposit of $500 is required.
A penalty may be imposed for early withdrawal.







Rates are effective as of October 8, 2025.
We use two terms to explain how much interest we pay on your deposit accounts.
-Interest Rate: Annualized percentage rate we pay on your account and does not reflect compound interest, which is any interest paid on interest you’ve earned.
-Annual Percentage Yield (APY): Annualized percentage rate we pay on your account and includes compound interest. APY may be higher than the Interest Rate due to compound interest.
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