First Exchange Bank: CDs & Rates

By Aviel Fahl

Updated: Invalid Date

Mission: Banksparency aims to make First Exchange Bank's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of First Exchange Bank

Our verdict

CD Analysis

First Exchange Bank offers CDs paying up to 3.75% APY on its 9 months term, across 13 term lengths.

Tracking 19 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 3.75% APY for a 9 months term and laddering across multiple maturities.

Savings Overview

No active savings products currently tracked for First Exchange Bank.

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationWhite Hall, WV
Deposit InsuranceFDIC Insured(Cert: 13020)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Aug 19, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

CD Overview

3.75% Highest APY

Across 19 CD products with terms: 9 months, 6 months, 48 months, 10 months, 72 months, 36 months, 24 months, 18 months, 60 months, 15 months, 12 months, 27 months, 30 months

CD Products Offered by First Exchange Bank

Feature	182 Day Special CD 6 months	182 Day CD 6 months	9 Month Special CD 9 months	9 Month CD 9 months	10 Month CD 10 months	12 Month CD 12 months	12 Month Special CD 12 months	15 Month CD 15 months	15 Month Special CD 15 months	18 Month CD 18 months	24 Month Special CD 24 months	24 Month CD 24 months	27 Month CD 27 months	30 Month CD 30 months	36 Month Special CD 36 months	36 Month CD 36 months	48 Month CD 48 months	60 Month CD 60 months	72 Month CD 72 months
APY	3.65%Verified: 8/15/2026	3.55%Verified: 8/15/2026	3.75%Verified: 8/15/2026	3.65%Verified: 8/15/2026	3.70%Verified: 8/15/2026	3.65%Verified: 8/15/2026	3.75%Verified: 8/15/2026	3.15%Verified: 8/15/2026	3.25%Verified: 8/15/2026	0.15%Verified: 8/15/2026	3.49%Verified: 8/15/2026	3.39%Verified: 8/15/2026	0.15%Verified: 8/15/2026	0.20%Verified: 8/15/2026	2.32%Verified: 8/15/2026	2.22%Verified: 8/15/2026	0.40%Verified: 8/15/2026	0.50%Verified: 8/15/2026	0.50%Verified: 8/15/2026
Term	6 months	6 months	9 months	9 months	10 months	12 months	12 months	15 months	15 months	18 months	24 months	24 months	27 months	30 months	36 months	36 months	48 months	60 months	72 months
Min. Deposit	$2,500	$500	$10,000	$500	$500	$500	$10,000	$500	$10,000	$500	$10,000	$500	$500	$500	$10,000	$500	$500	$500	$500
Early Withdrawal	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes