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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 0.20% 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. 

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   

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.

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.

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