Highest Savings Rates in West Virginia
21 West Virginia-specific accounts
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.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$300per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $0 | |
| #2 | Show Details | +$300per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $50 | |
| #3 | Show Details | +$235per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1,000 | |
| #4 | Show Details | +$100per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $5 | |
| #5 | First Community Bank Community Savings Up to1.51%APY Needs at least $50,000 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$60per yearEffective: 0.60% | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #6 | CNB Bank, Inc. Kasasa Saver 0.50%APY On balances up to $10,000 · no rate stated above No min. balance for APY Observed: Oct 7, 2026 Show Details | +$50per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredRequires Linked Account Features No MinimumsIn-Person Access | N/A | |
| #7 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #8 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #9 | Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #10 | Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #11 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #12 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #13 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $200 | |
| #14 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #15 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #16 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #17 | Show Details | +$5per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #18 | Show Details | +$4per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #19 | Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $25 | |
| #20 | Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 |
Citibank
Citi Accelerate Savings
What to Watch
Eligibility restricted to select states.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Branches | U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. |
| Deposit Insurance | FDIC Insured(Cert: 7213) |
| Eligibility | Alaska, 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
Pendleton Community Bank, Inc.
Kasasa Saver+
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 Hide Details
| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 6176) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Gateway First Bank
Gateway High Yield Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15118) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Highlands Bank
Kasasa Saver
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 Hide Details
| Min. Deposit | $5 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11953) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Community Bank
Community Savings
Needs at least $50,000
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 Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | Each savings account has a standard $12 quarterly maintenance fee. But we'll waive the fee when you maintain a $100 minimum daily balance! |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13012) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
CNB Bank, Inc.
Kasasa Saver
On balances up to $10,000 · no rate stated above
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 Hide Details
| Min. Deposit | N/A |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14507) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Gateway First Bank
Personal Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15118) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Highlands Bank
Personal Statement Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11953) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Community State Bank of Orbisonia
Statement Savings
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 Hide Details
| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | No monthly fee if minimum balance of $250 is met; otherwise $5 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16976) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Bank of Romney
Savings
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 Hide Details
| Min. Deposit | $10 |
| Min. Balance | $5 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 845) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Huntington Federal Savings Bank
Passbook Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 27884) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Huntington Federal Savings Bank
Statement Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 27884) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Main Street Bank Corp.
Statement Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $200 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29847) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Putnam County Bank
Passbook Savings
What to Watch
ATM withdrawals or transfers above five per statement cost $1.00 each.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15243) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Guaranty Bank
Regular Savings
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 Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14028) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Hancock County Savings Bank, F.S.B.
Statement Savings
What to Watch
No fee is charged while a daily balance of $50 is maintained.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $100 |
| Maintenance Fee | No fee with a $50 daily balance; the fee amount is not published |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29035) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Ohio Valley Bank Company
Statement Savings
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 Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 384) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Pleasants County Bank
Statement Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $25 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 847) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
PNC
Standard Savings
Needs at least $2,500
What to Watch
APY may improve with a linked PNC account. Terms and conditions apply.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $1 |
| Maintenance Fee | $0 / $5 (see bank for details) |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Branches | Multiple 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 Insurance | FDIC Insured(Cert: 6384) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
The First National Bank of Peterstown
Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $25 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 6787) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Nationally Available Savings Accounts
The 8 highest-rate savings accounts available nationwide, including in West Virginia.
| Institution | Product / Term | APY |
|---|---|---|
| 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% |