CD Rates
Certificates of Deposit (CDs)
| Time Accounts |
APY² |
Interest Rate |
Minimum to Open |
Minimum Balance to Earn APY |
| 91 Day |
0.25% |
0.25% |
$1,000 |
$0.00 |
| 182 Day |
0.35% |
0.35% |
$1,000 |
$0.00 |
| 12 Month |
0.50% |
0.50% |
$1,000 |
$0.00 |
| 18 Month |
0.60% |
0.60% |
$1,000 |
$0.00 |
| 24 Month |
0.75% |
0.75% |
$1,000 |
$0.00 |
| 30 Month |
0.85% |
0.85% |
$1,000 |
$0.00 |
| 36 Month |
1.00% |
1.00% |
$1,000 |
$0.00 |
| 48 Month |
1.25% |
1.25% |
$1,000 |
$0.00 |
| 60 Month |
1.51% |
1.50% |
$1,000 |
$0.00 |
² APY = Annual Percentage Yield. The APY and Interest Rate listed are as of February 1, 2020. Rates subject to change on any banking day. A penalty may be imposed for early withdrawal.
Checking Deposit Rates
Checking Accounts
| Account Type |
APY* |
Interest Rate |
Minimum to Open |
Minimum Balance to Earn APY |
| Personal Money Market, Community Money Market, Business Money Market |
0.20% |
0.20% |
$50 |
up to $49,999.99 |
| |
0.30% |
0.30% |
$50 |
$50,000.00 - $99,999.99 |
| |
0.50% |
0.50% |
$50 |
$100,000.00 & above |
*APY = Annual Percentage Yield. The APY and Interest Rate listed are as of April 1, 2020. These are variable rate accounts, subject to change on any banking day. Fees could reduce earnings on these accounts.
Deposit Rates
Checking Accounts
| Account Type |
APY* |
Interest Rate |
Minimum to Open |
Minimum Balance to Earn APY |
| Personal Money Market, Community Money Market, Business Money Market |
0.05% |
0.05% |
$50 |
up to $49,999.99 |
| |
0.05% |
0.05% |
$50 |
$50,000.00 - $99,999.99 |
| |
0.15% |
0.15% |
$50 |
$100,000.00 & above |
*APY = Annual Percentage Yield. The APY and Interest Rate listed are as of November 30, 2020. These are variable rate accounts, subject to change on any banking day. Limited to 6 transactions per statement cycle. $10 fee charged for each transaction exceeding the 6 allowable transactions. Fees may reduce earnings on these accounts.
Savings Accounts
| Account Type |
APY ¹ |
Interest Rate |
Minimum to Open |
Minimum Balance to Earn APY |
| Statement Savings |
0.05% |
0.05% |
$50 |
$0 |
| Centsables |
0.05% |
0.05% |
$10 |
$0 |
| Christmas Club Savings** |
0.05% |
0.05% |
$5 |
$0 |
¹ APY = Annual Percentage Yield. The APY and Interest Rate listed are as of November 30, 2020. These are variable rate accounts, subject to change on any banking day. Fees may reduce earnings on these accounts.
** Christmas Club Savings will be assessed a $5.00 fee for each early withdrawal. Interest is compounded daily and credited to account annually on October 31st. If account is closed early, account holder receives no interest and is charged a $5.00 fee.
Certificates of Deposit (CDs)
| Time Accounts |
APY ² |
Interest Rate |
Minimum to Open |
Minimum Balance to Earn APY |
| 91 Day |
0.05% |
0.05% |
$1,000 |
$0.00 |
| 182 Day |
0.10% |
0.10% |
$1,000 |
$0.00 |
| 12 Month |
0.15% |
0.15% |
$1,000 |
$0.00 |
| 18 Month |
0.20% |
0.30% |
$1,000 |
$0.00 |
| 24 Month |
0.30% |
0.30% |
$1,000 |
$0.00 |
| 30 Month |
0.35% |
0.35% |
$1,000 |
$0.00 |
| 36 Month |
0.40% |
0.40% |
$1,000 |
$0.00 |
| 48 Month |
0.50% |
0.50% |
$1,000 |
$0.00 |
| 60 Month |
0.55% |
0.55% |
$1,000 |
$0.00 |
² APY = Annual Percentage Yield. The APY and Interest Rate listed are as of November 30, 2020. Rates subject to change on any banking day. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.
Individual Retirement Accounts (IRAs)
| Time Accounts |
APY ³ |
Interest Rate |
Minimum to Open |
Minimum Balance to Earn APY |
| 12 Month |
0.15% |
0.15% |
$500 |
$0.00 |
| 18 Month |
0.20% |
0.20% |
$500 |
$0.00 |
| 24 Month |
0.30% |
0.30% |
$500 |
$0.00 |
| 30 Month |
0.35% |
0.35% |
$500 |
$0.00 |
| 36 Month |
0.40% |
0.40% |
$500 |
$0.00 |
| 48 Month |
0.50% |
0.50% |
$500 |
$0.00 |
| 60 Month |
0.55% |
0.55% |
$500 |
$0.00 |
³ APY = Annual Percentage Yield. The APY and Interest Rate listed are as of November 30, 2020. Rates subject to change on any banking day. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.
To open any of these accounts, visit our convenient locations in the Eastern Panhandle of West Virginia, Hagerstown, Maryland, or Loudoun County, Virginia.
Statement savings account can be opened online. APPLY HERE.
IRA Deposit Rates
Individual Retirement Accounts (IRAs)
| Time Accounts |
APY³ |
Interest Rate |
Minimum to Open |
Minimum Balance to Earn APY |
| 12 Month |
0.50% |
0.50% |
$500 |
$0.00 |
| 18 Month |
0.60% |
0.60% |
$500 |
$0.00 |
| 24 Month |
0.75% |
0.75% |
$500 |
$0.00 |
| 30 Month |
0.85% |
0.85% |
$500 |
$0.00 |
| 36 Month |
1.00% |
1.00% |
$500 |
$0.00 |
| 48 Month |
1.25% |
1.25% |
$500 |
$0.00 |
| 60 Month |
1.51% |
1.50% |
$500 |
$0.00 |
³ APY = Annual Percentage Yield. The APY and Interest Rate listed are as of February 1, 2020. Rates subject to change on any banking day. A penalty may be imposed for early withdrawal.
For Certificate of Deposit (CD) and Individual Retirement Account (IRA) rates, visit any of our convenient banking offices in the Eastern Panhandle of West Virginia, Hagerstown, Maryland, or Loudoun County, Virginia.
Savings Deposit Rates
Savings Accounts
| Account Type |
APY¹ |
Interest Rate |
Minimum to Open |
Minimum Balance to Earn APY |
| Statement Savings |
0.05% |
0.05% |
$50 |
$0 |
| Centsables |
0.05% |
0.05% |
$10 |
$0 |
| Christmas Club Savings |
0.05% |
0.05% |
$5 |
$0 |
¹ APY = Annual Percentage Yield. The APY and Interest Rate listed are as of April 1, 2020. These are variable rate accounts, subject to change on any banking day. Fees could reduce earnings on these accounts