Certificates of Deposit

Benefits of a CD Account​

A certificate of deposit (CD) is a savings account that lets you lock in your interest rate and choose the length of time for which you would like to save. This is a great option if you are saving for something special.

Are you ready for a higher return on your deposits? Our CDs are a great way to make that happen. Here are a few of the benefits of putting your money into a First Exchange Bank CD:

Check out our special CD rates!​

First Exchange Bank is offering our firstPlus, firstPlatinum, firstDirect Interest, firstBenefits and firstPremium Interest Checking Accounts, a special 10 Month CD Rate of 4.50% APY*, a special 12 Month CD Rate of 4.90% APY*, a special 15 Month CD Rate of 4.90% APY*, a special 24 Month CD Rate of 2.50% APY* and a special 36 Month CD Rate of 2.32% APY*! Visit any of our locations in North Central West Virginia and open yours today!

Open a CD at First Exchange Bank today!​

To open a certificate of deposit account, contact us or visit any of our friendly branches located in White Hall, Fairmont, Fairview, Mannington, Hundred or Morgantown.

Regular CDs

Please see a First Exchange Bank representative for additional information regarding terms and conditions.
RateAPY**Min. Balance
91 Day CD0.05%0.05%$500**
182 Day CD3.84%3.90%$500**
10 Month CD4.33%4.40%$500**
12 Month CD4.72%4.80%$500**
15 Month CD4.72%4.80%$500**
18 Month CD0.15%0.15%$500**
24 Month CD2.38%2.40%$500**
27 Month CD0.15%0.15%$500**
30 Month CD0.20%0.20%$500**
36 Month CD2.20%2.22%$500**
48 Month CD0.40%0.40%$500**
60 Month CD0.50%0.50%$500**
72 Month CD0.50%0.50%$500**

Special CDs

RateAPY**Min. Balance
91 Day Special CD0.25%0.25%$2,500***
182 Day Special CD3.94%4.00%$2,500***
10 Month Special CD4.43%4.50%$10,000*
12 Month Special CD4.81%4.90%$10,000*
15 Month Special CD4.81%4.90%$10,000*
24 Month Special CD2.48%2.50%$10,000*
36 Month Special CD2.30%2.32%$10,000*

*Annual Percentage Yield (APY). The minimum balance to open and maintain the advertised APY is $10,000. APY is accurate as of May 21, 2024. APY’s are subject to change at any time. Substantial penalties may be imposed for early withdrawal. Fees may reduce account earnings. The special CD Rate is valid for firstPlus, firstPlatinum, firstDirect Interest, firstBenefits and firstPremium Interest Account Holders only. Limited time offer. Please see a First Exchange Bank representative for additional information regarding terms and conditions.

**Annual Percentage Yield (APY). APY is accurate as of May 21, 2024. APY’s are subject to change at any time. Minimum balance to open and maintain APY is $500. Substantial penalties may be imposed for early withdrawal. Fees may reduce account earnings.

***Annual Percentage Yield (APY). Minimum balance to open and maintain the advertised APY is $2,500. APY is accurate as of May 21, 2024. APY’s are subject to change at any time. Substantial penalties may be imposed for early withdrawal. Fees may reduce account earnings. Limited time offer.