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Highest Savings Rates in West Virginia
21 West Virginia-specific accounts

By Aviel Fahl

Newest reading: October 13, 2026

Top West Virginia Rate:3.00%

The West Virginia market

West Virginia accounts

21

Institutions

17

Top West Virginia APY

3.00% APY

Nationally: 5.00% APY

FDIC national average

0.37%

As of Sep 2026

21 savings accounts are open only to West Virginia residents, from 17 institutions. The highest advertised APY among them is 3.00%.

The highest nationally available rate is 5.00% APY, 200 basis points above the West Virginia leader.

8 of the 21 West Virginia savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

West Virginia-Specific Savings Accounts

These savings accounts are specifically available to West Virginia residents.

#1

Citibank

Citi Accelerate Savings

+$300
per year
3.00% APY
Oct 13, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Eligibility restricted to select states.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$4.50. Waived for average monthly balances > $500
Compound FreqDaily
Direct DepositNot required
BranchesU.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.
Deposit InsuranceFDIC Insured(Cert: 7213)
EligibilityAlaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming.
Zelle®
SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher).
Mobile Ratings
BBB Rating
D-(Not BBB Accredited)

Rate Stability

Rate Increased
+0.20%
Since 30 days ago
Official SiteCitibank

Direct Link to Product Page (Not Sponsored)

#2

Pendleton Community Bank, Inc.

Kasasa Saver+

+$300
per year
3.00% APY
Oct 7, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

The stated rate applies to balances up to $75,000. The portion above $75,000 earns a much lower rate, so the yield on the whole balance falls as it grows past the cap. The rate is paid only in a month when the linked Kasasa Cash+ checking account meets its qualifications: 25 debit card point-of-sale purchases, one direct deposit or automatic debit, one online banking sign-in, and enrolment in eDocuments. A month that misses them pays the non-qualifying rate.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 6176)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SitePendleton Community Bank, Inc.

Direct Link to Product Page (Not Sponsored)

#3

Gateway First Bank

Gateway High Yield Savings

+$235
per year
2.35% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1,000
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15118)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

#4

Highlands Bank

Kasasa Saver

+$100
per year
1.00% APY
Oct 7, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

The stated APY applies to balances up to $50,000, and the part of the balance above that cap earns a lower rate. The account must be linked to a Kasasa Cash or Kasasa Cash Back checking account, and that account must post twelve debit card purchases, an e-statement enrollment and an online banking log-in each monthly qualification cycle. A cycle that misses the qualifications earns the base rate instead.

Show Fine Print & Trends
Min. Deposit$5
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 11953)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteHighlands Bank

Direct Link to Product Page (Not Sponsored)

#5

First Community Bank

Community Savings

+$60
per year
1.51% APY
Oct 7, 2026

Needs at least $50,000

APY Range: 0.25% – 1.51%
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

A $12 maintenance fee is charged each quarter. It is waived when the account keeps a minimum daily balance of $100. A $2 fee applies to each withdrawal over 6 in a quarterly statement cycle, excluding ATM withdrawals.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance FeeEach savings account has a standard $12 quarterly maintenance fee. But we'll waive the fee when you maintain a $100 minimum daily balance!
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13012)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteFirst Community Bank

Direct Link to Product Page (Not Sponsored)

#6

CNB Bank, Inc.

Kasasa Saver

+$50
per year
0.50% APY
Oct 7, 2026

On balances up to $10,000 · no rate stated above

FDIC InsuredLinked AccountNo MinimumsIn-Person Access

What to Watch

Rate applies when the linked Kasasa checking account's monthly qualifications are met. Otherwise the account pays a lower base rate. Requires a Kasasa checking account. The stated APY applies to balances up to $10,000. The portion above $10,000 earns a lower interest rate.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14507)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCNB Bank, Inc.

Direct Link to Product Page (Not Sponsored)

#7

Gateway First Bank

Personal Savings

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15118)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

#8

Highlands Bank

Personal Statement Savings

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 11953)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteHighlands Bank

Direct Link to Product Page (Not Sponsored)

#9

Community State Bank of Orbisonia

Statement Savings

+$20
per year
0.20% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The monthly fee is waived when a minimum balance of $250 is kept. The online application is open to residents of Pennsylvania, of Mineral, Hampshire, Morgan and Berkley counties in West Virginia, and of Washington, Allegany and Frederick counties in Maryland.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance FeeNo monthly fee if minimum balance of $250 is met; otherwise $5
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 16976)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCommunity State Bank of Orbisonia

Direct Link to Product Page (Not Sponsored)

#10

The Bank of Romney

Savings

+$20
per year
0.20% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A balance under $300 is charged $3 a month once the account is dormant, which happens after 24 months with no customer activity.

Show Fine Print & Trends
Min. Deposit$10
Min. Balance$5
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 845)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Bank of Romney

Direct Link to Product Page (Not Sponsored)

#11

Huntington Federal Savings Bank

Passbook Savings

+$10
per year
0.10% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 27884)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteHuntington Federal Savings Bank

Direct Link to Product Page (Not Sponsored)

#12

Huntington Federal Savings Bank

Statement Savings

+$10
per year
0.10% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 27884)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteHuntington Federal Savings Bank

Direct Link to Product Page (Not Sponsored)

#13

Main Street Bank Corp.

Statement Savings

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$200
Min. Balance$100
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29847)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteMain Street Bank Corp.

Direct Link to Product Page (Not Sponsored)

#14

Putnam County Bank

Passbook Savings

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

ATM withdrawals or transfers above five per statement cost $1.00 each.

Show Fine Print & Trends
Min. Deposit$10
Min. Balance$10
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15243)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SitePutnam County Bank

Direct Link to Product Page (Not Sponsored)

#15

First Guaranty Bank

Regular Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The monthly service charge is waived with a daily balance of $200 or more. A $2 fee applies to each withdrawal after the third in a month.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14028)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFirst Guaranty Bank

Direct Link to Product Page (Not Sponsored)

#16

Hancock County Savings Bank, F.S.B.

Statement Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

No fee is charged while a daily balance of $50 is maintained.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$100
Maintenance FeeNo fee with a $50 daily balance; the fee amount is not published
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29035)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteHancock County Savings Bank, F.S.B.

Direct Link to Product Page (Not Sponsored)

#17

The Ohio Valley Bank Company

Statement Savings

+$5
per year
0.05% APY
Oct 3, 2026
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

Customers aged 18 and under, through the bank's GenNEXT programme, are not held to the $100 minimum balance that the monthly service charge is based on.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 384)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Ohio Valley Bank Company

Direct Link to Product Page (Not Sponsored)

#18

The Pleasants County Bank

Statement Savings

+$4
per year
0.04% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$25
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 847)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Pleasants County Bank

Direct Link to Product Page (Not Sponsored)

#19

PNC

Standard Savings

+$3
per year
0.03% APY
Oct 12, 2026

Needs at least $2,500

APY Range: 0.02% – 0.03%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

APY may improve with a linked PNC account. Terms and conditions apply.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$1
Maintenance Fee$0 / $5 (see bank for details)
Compound FreqMonthly
Direct DepositNot required
BranchesMultiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI
Deposit InsuranceFDIC Insured(Cert: 6384)
EligibilityUnited States
Zelle®
SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite.
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SitePNC

Direct Link to Product Page (Not Sponsored)

#20

The First National Bank of Peterstown

Savings

+$3
per year
0.03% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$25
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 6787)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe First National Bank of Peterstown

Direct Link to Product Page (Not Sponsored)

Nationally Available Savings Accounts

The 8 highest-rate savings accounts available nationwide, including in West Virginia.

InstitutionProduct / Term
Axos Bank
Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate
Up to5.00%
GO2bank
High Yield Savingsfirst $5,000 only · needs a linked account at the bank
Up to4.50%
Elevault
High Yield Savings Account
4.34%
Peak Bank
Envision High Yield Savingsup to $499,999.99 only
4.27%
Betterment
Cash Reservepromotional rate
Up to4.25%
Neighbors Bank
Neighbors Savings Account
4.25%
Pibank
Pibank Savings
4.25%
EverBank
Performance Savings
4.20%

See the full national list