Business Rates

We offer competitive interest rates to help you maximize

saving for your business.





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
Business Interest Checking
Tier 1
 Balance is $1,000.00 or more 0.50% 0.50%
Business Interest Checking
Tier 2
 Balance is $999.99 or less 0.00% 0.00%
*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 $100 is required.

Account Type Balance Interest Rate APY
Business Money Market
Tier 1
 Balance is $200,000.00 or more 2.96% 3.00%
Business Money Market
Tier 2
 Balance is $100,000.00 to $199,999.99 2.47% 2.50%
Business Money Market
Tier 3
 Balance is $50,000.00 to $99,999.99 1.98% 2.00%
Business Money Market
Tier 4
 Balance is $25,000.00 to $49,999.99 1.00% 1.00%
Business Money Market
Tier 5
 Balance is $24,999.99 or less 0.25% 0.25%
*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 $100 is required.
Account Type Balance Interest Rate APY
Business Premier Savings**
Tier 1
 N/A 3.75% 3.81%
Business Savings N/A 0.05% 0.05%
*Annual Percentage Yield
**The Business Premier Savings account is packaged with the Business 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 $100 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.

Let us help your business

reach new heights with a

Commercial Loan

We offer a variety of commercial loans to meet the needs of the businesses in our community. Our business loan products include loans for working capital, equipment acquisition, real estate, construction and more!
 
Talk to one of our commercial loan officers today to learn more.