{"id":347,"date":"2023-07-06T19:34:23","date_gmt":"2023-07-06T19:34:23","guid":{"rendered":"https:\/\/first-exchange-bank.flywheelsites.com\/?page_id=347"},"modified":"2024-04-22T21:13:40","modified_gmt":"2024-04-22T21:13:40","slug":"certificates-of-deposit","status":"publish","type":"page","link":"https:\/\/www.firstexchangebank.com\/personal-banking\/savings\/certificates-of-deposit\/","title":{"rendered":"Certificates of Deposit"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"347\" class=\"elementor elementor-347\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2914d95 e-con-full e-flex e-con e-parent\" data-id=\"2914d95\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-e-bg-lazyload=\"\" data-core-v316-plus=\"true\">\n\t\t<div class=\"elementor-element elementor-element-1bb6c39 e-flex e-con-boxed e-con e-child\" data-id=\"1bb6c39\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7054c68 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"7054c68\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 13-03-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Certificates of Deposit<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1f66a9e e-flex e-con-boxed e-con e-parent\" data-id=\"1f66a9e\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-19297c8 e-con-full e-flex e-con e-child\" data-id=\"19297c8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-052b200 elementor-widget elementor-widget-heading\" data-id=\"052b200\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Benefits of a CD Account\u200b<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-042ebc3 elementor-widget elementor-widget-text-editor\" data-id=\"042ebc3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 13-03-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>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.<\/p><p>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:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4fc17e9 e-con-full e-flex e-con e-child\" data-id=\"4fc17e9\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-e-bg-lazyload=\"\">\n\t\t<div class=\"elementor-element elementor-element-7293d67 e-flex e-con-boxed e-con e-child\" data-id=\"7293d67\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf19e01 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"cf19e01\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.firstexchangebank.com\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-list.min.css\">\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Our CDs offer secure investment options with competitive, guaranteed rates of return<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Choose from a variety of maturity options ranging from 91 days to 72 months<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">$500 minimum opening deposit<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">CDs are FDIC insured<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8401793 e-flex e-con-boxed e-con e-parent\" data-id=\"8401793\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9a6fbc1 e-con-full e-flex e-con e-child\" data-id=\"9a6fbc1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e4615ff elementor-widget elementor-widget-heading\" data-id=\"e4615ff\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Check out our special CD rates!\u200b<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ed34ee elementor-widget elementor-widget-text-editor\" data-id=\"0ed34ee\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>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!<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6dfd38a e-flex e-con-boxed e-con e-parent\" data-id=\"6dfd38a\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7a41030 e-con-full e-flex e-con e-child\" data-id=\"7a41030\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f9a103d elementor-widget elementor-widget-heading\" data-id=\"f9a103d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Open a CD at First Exchange Bank today!\u200b<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0691850 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0691850\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tTo 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.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39aa6d8 elementor-tablet-align-left elementor-align-center elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"39aa6d8\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.firstexchangebank.com\/contact-us\/\" target=\"_blank\" aria-label=\"Get more information about Certificates of Deposit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Started<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3e71531 e-flex e-con-boxed e-con e-parent\" data-id=\"3e71531\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fdce389 e-con-full e-flex e-con e-child\" data-id=\"fdce389\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69cfe5b elementor-widget elementor-widget-heading\" data-id=\"69cfe5b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Regular CDs<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8eace83 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8eace83\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tPlease see a First Exchange Bank representative for additional information regarding terms and conditions.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8b580b elementor-widget elementor-widget-shortcode\" data-id=\"d8b580b\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_1331\"\n         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class=\"footable-header\">\n                                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_type \"><\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_rate \">Rate<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_apy \">APY**<\/th><th scope=\"col\"  class=\"ninja_column_3 ninja_clmn_nm_min_balance \">Min. Balance<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"22\" class=\"ninja_table_row_0 nt_row_id_22\">\n            <td>91 Day CD<\/td><td>0.05%<\/td><td>0.05%<\/td><td>$500**<\/td>        <\/tr>\n            <tr data-row_id=\"24\" class=\"ninja_table_row_1 nt_row_id_24\">\n            <td>182 Day CD<\/td><td>3.84%<\/td><td>3.90%<\/td><td>$500**<\/td>        <\/tr>\n            <tr data-row_id=\"26\" class=\"ninja_table_row_2 nt_row_id_26\">\n            <td>10 Month CD<\/td><td>4.33%<\/td><td>4.40%<\/td><td>$500**<\/td>        <\/tr>\n            <tr data-row_id=\"28\" class=\"ninja_table_row_3 nt_row_id_28\">\n            <td>12 Month CD<\/td><td>4.72%<\/td><td>4.80%<\/td><td>$500**<\/td>        <\/tr>\n            <tr data-row_id=\"30\" class=\"ninja_table_row_4 nt_row_id_30\">\n            <td>15 Month CD<\/td><td>4.72%<\/td><td>4.80%<\/td><td>$500**<\/td>        <\/tr>\n            <tr data-row_id=\"32\" class=\"ninja_table_row_5 nt_row_id_32\">\n            <td>18 Month CD<\/td><td>0.15%<\/td><td>0.15%<\/td><td>$500**<\/td>        <\/tr>\n            <tr data-row_id=\"33\" class=\"ninja_table_row_6 nt_row_id_33\">\n            <td>24 Month CD<\/td><td>2.38%<\/td><td>2.40%<\/td><td>$500**<\/td>        <\/tr>\n            <tr data-row_id=\"35\" class=\"ninja_table_row_7 nt_row_id_35\">\n            <td>27 Month CD<\/td><td>0.15%<\/td><td>0.15%<\/td><td>$500**<\/td>        <\/tr>\n            <tr data-row_id=\"36\" class=\"ninja_table_row_8 nt_row_id_36\">\n            <td>30 Month CD<\/td><td>0.20%<\/td><td>0.20%<\/td><td>$500**<\/td>        <\/tr>\n            <tr data-row_id=\"37\" class=\"ninja_table_row_9 nt_row_id_37\">\n            <td>36 Month CD<\/td><td>2.20%<\/td><td>2.22%<\/td><td>$500**<\/td>        <\/tr>\n            <tr data-row_id=\"39\" class=\"ninja_table_row_10 nt_row_id_39\">\n            <td>48 Month CD<\/td><td>0.40%<\/td><td>0.40%<\/td><td>$500**<\/td>        <\/tr>\n            <tr data-row_id=\"40\" 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#d1d1d1;\n    }\n    #footable_parent_1331 .foo-table{\n       max-width: -webkit-fit-content !important;\n    }\n}                <\/style>\n                \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef8e7f6 elementor-widget elementor-widget-heading\" data-id=\"ef8e7f6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Special CDs<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88ca7ca elementor-widget elementor-widget-shortcode\" data-id=\"88ca7ca\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_3672\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_1\" data-footable_id=\"3672\" data-filter-delay=\"1000\" aria-label=\"Special CDs\"            id=\"footable_3672\"\n           data-unique_identifier=\"ninja_table_unique_id_773638499_3672\"\n           class=\" foo-table ninja_footable foo_table_3672 ninja_table_unique_id_773638499_3672 ui table  nt_type_legacy_table selectable striped vertical_centered ninja_custom_color inverted footable-paging-left ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                            <col class=\"ninja_column_3 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_type \"><\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_rate \">Rate<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_apy \">APY**<\/th><th scope=\"col\"  class=\"ninja_column_3 ninja_clmn_nm_min_balance \">Min. Balance<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"59\" class=\"ninja_table_row_0 nt_row_id_59\">\n            <td>91 Day Special CD<\/td><td>0.25%<\/td><td>0.25%<\/td><td>$2,500***<\/td>        <\/tr>\n            <tr data-row_id=\"61\" class=\"ninja_table_row_1 nt_row_id_61\">\n            <td>182 Day Special CD<\/td><td>3.94%<\/td><td>4.00%<\/td><td>$2,500***<\/td>        <\/tr>\n            <tr data-row_id=\"63\" class=\"ninja_table_row_2 nt_row_id_63\">\n            <td>10 Month Special CD<\/td><td>4.43%<\/td><td>4.50%<\/td><td>$10,000*<\/td>        <\/tr>\n            <tr data-row_id=\"65\" class=\"ninja_table_row_3 nt_row_id_65\">\n            <td>12 Month Special CD<\/td><td>4.81%<\/td><td>4.90%<\/td><td>$10,000*<\/td>        <\/tr>\n            <tr data-row_id=\"67\" class=\"ninja_table_row_4 nt_row_id_67\">\n            <td>15 Month Special CD<\/td><td>4.81%<\/td><td>4.90%<\/td><td>$10,000*<\/td>        <\/tr>\n            <tr data-row_id=\"70\" class=\"ninja_table_row_5 nt_row_id_70\">\n            <td>24 Month Special CD<\/td><td>2.48%<\/td><td>2.50%<\/td><td>$10,000*<\/td>        <\/tr>\n            <tr data-row_id=\"74\" class=\"ninja_table_row_6 nt_row_id_74\">\n            <td>36 Month Special CD<\/td><td>2.30%<\/td><td>2.32%<\/td><td>$10,000*<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n                    <style type=\"text\/css\" id='ninja_table_custom_css_1331'>\n                        #footable_1331  {\n    font-family: inherit;\n    font-size: 14px;\n    }\n\n\n    #footable_1331 tbody tr td span.fooicon-plus:before {\n    background-color: rgba(0, 0, 0, 1) !important;\n    }\n    #footable_1331 tbody tr td span.fooicon-minus:before {\n    background-color: rgba(0, 0, 0, 1) !important;\n    }\n\n    #footable_1331 tbody tr:hover td span.fooicon-plus:before {\n    background-color:  !important;\n    }\n    #footable_1331 tbody tr:hover td span.fooicon-minus:before {\n    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           <\/style>\n                \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55944fb e-flex e-con-boxed e-con e-child\" data-id=\"55944fb\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d860c51 elementor-widget elementor-widget-text-editor\" data-id=\"d860c51\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>*Annual Percentage Yield (APY). The minimum balance to open and maintain the advertised APY is $10,000. APY is accurate as of April 122, 2024. APY&#8217;s are subject to change at any time. Substantial penalties&nbsp;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.<\/p>\n<p>**Annual Percentage Yield (APY). APY is accurate as of April 22, 2024. APY&#8217;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.<\/p>\n<p>***Annual Percentage Yield (APY). Minimum balance to open and maintain the advertised APY is $2,500. APY is accurate as of April 22, 2024. APY&#8217;s are subject to change at any time. Substantial penalties may be imposed for early withdrawal. Fees may reduce account earnings. Limited time offer.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Benefits of a CD Account\u200b 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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4028,"parent":330,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Certificate Accounts | First Exchange Bank - North-Central West Virginia<\/title>\n<meta name=\"description\" content=\"First Exchange Bank CDs offer secure investment options with competitive, guaranteed rates of return. Choose from a variety of maturity options ranging from 91 days to 72 months\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.firstexchangebank.com\/personal-banking\/savings\/certificates-of-deposit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Certificate Accounts | First Exchange Bank - North-Central West Virginia\" \/>\n<meta property=\"og:description\" content=\"First Exchange Bank CDs offer secure investment options with competitive, guaranteed rates of return. 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