Business woman talking on phone

Rates

Open An Account Today

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
Rewards Checking 
Tier 1
 Balance is $24,999.99 or less 0.25% 0.25%
Rewards Checking 
Tier 2
 Balance is $25,000.00 or more 0.03% 0.25%-0.09%*
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%

Interest rate may change after account opening. APY is accurate as of date of publication. Fees may reduce earnings on the account.
*For Tier 2 of the Rewards Checking accounts, an interest rate of 0.03% will be paid only for that portion of the daily balance that is equal to or greater than $25,000.00. The APY of this tier will range from 0.25% to 0.09%, depending on the balance in the account.
Account Type Balance Interest Rate APY
Money Market
Tier 1
 Balance is $200,000.00 or more 0.50% 0.50%
Money Market
Tier 2
 Balance is $100,000.00 to $199,999.99 0.40% 0.40%
Money Market
Tier 3
 Balance is $50,000.00 to $99,999.99 0.30% 0.30%
Money Market
Tier 4
 Balance is $25,000.00 to $49,999.99 0.25% 0.25%
Money Market
Tier 5
 Balance is $24,999.99 or less 0.10% 0.10%
Super Money Market
Tier 1
 Balance is $200,000.00 or more 2.96% 3.00%
Super Money Market
Tier 2
 Balance is $100,000.00 to $199,999.99 2.47% 2.50%
Super Money Market
Tier 3
 Balance is $50,000.00 to $99,999.99 1.49% 1.50%
Super Money Market
Tier 4
 Balance is $25,000.00 to $49,999.99 1.00% 1.00%
Super Money Market
Tier 5
 Balance is $24,999.99 or less 0.25% 0.25%
 
Interest rate may change after account opening. APY is accurate as of date of publication. Fees may reduce earnings on the account.
Account Type Balance Interest Rate APY
Simple Savings N/A 0.05% 0.05%
Youth Savings N/A 0.05% 0.05%
Christmas Club N/A 0.03% 0.03%

Interest rate may change after account opening. APY is accurate as of date of publication. Fees may reduce earnings on the account.
Term Minimum Deposit Interest Rate *APY
3 Months $500.00 2.00% 2.02%
6 Months $500.00 2.00% 2.02%
12 Months $500.00 2.50% 2.52%
18 Months $500.00 5.00% 5.09%
24 Months $500.00 3.15% 3.19%
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 Mo $500.00 2.50% 2.52%
Customizer 36 Mo $500.00 1.35% 1.36%
Freedom CD 11 Mo $500.00 3.00% 3.03%
Freedom CD 26 Mo $500.00 3.70% 3.75%
13 Months CD Special $500.00 4.425% 4.50%

*CD and IRA annual percentage yields (APY) are based upon quarterly compounding.
Substantial penalty for early withdrawal from CD's & IRA's.
Monthly interest will be paid on amounts of $20,000.00 and larger if requested or on lesser amounts upon approval by an officer.






Rates are effective as of April 18, 2023.
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.
Couple using tablet in living room
PERSONAL CHECKING

Find the account for you.


Our personal checking accounts are perfectly
suited for you! Check them out today and see
which one is best for your needs.