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Rates

Current Deposit Rates Effective
May 22, 2013

Current Loan Rates Effective 
January 9, 2013 

Rates are subject to change without notice

Click here to use our online calculators 

APY - Annual Percentage Yield
APR - Annual Percentage Rate

 

Regular  Savings
(Share) Account

Rate

Paid

APY

$25.00 to $999.99

0.444%

Monthly

0.45%

$1,000.00 or More
0.499%

Monthly

0.50%

Premium Savings
(Share) Account

Rate

Paid

APY

$2,000.00 to $9,999.99
0.549%

Monthly

0.55%
$10,000.00 to $24,999.99
0.599%

Monthly

0.60%
$25,000.00 to $49,999.99
0.649%

Monthly

0.65%
$50,000.00 to $99,999.99
0.699%
Monthly
0.70%
$100,000.00 and Over
0.748%

Monthly

0.75%
Note: if balance falls below $2,000.00 on Premium Share account, then dividend is paid at the Regular Share Rate.

Rate

Paid

APY

 
0.748%

Monthly

0.75%

Rate

Paid

APY

 
0.349%

Monthly

 0.35%

Rate

Paid

APY

Deposit To Shares Check Disbursed
0.499%

0.444%

Monthly

Monthly

0.50%

0.45%

Rate

Paid

APY

Deposit To Shares Check Disbursed
0.499%

0.444%

Monthly

Monthly

0.50%

0.45%

Rate

Paid

APY

3 Month
0.549%
Monthly
0.55%
0.599%
Monthly
0.60%
9 Month
0.649%

Monthly

0.65%
0.749%
Monthly
0.75%
15 Month
0.749%

Monthly

0.75%
0.799%

Monthly

0.80%
21 Month
0.899%

Monthly

0.90%
24 Month
0.999% 

Monthly

1.00%
Rising Market 36 Month
1.248%

Monthly

1.25%
Dow Jones
Maturity
3 or 5 year terms
Note: Educational IRAs may be purchased for a minimum of $500.00 
for any term listed above including the Market Index Certificate.

Savings (Shares) Secured Loans

Current Dividend+ 3%
Variable Rate / Annual Percentage Rate

Certificate of Deposit Secured Loans

Current Dividend+ 3%
Variable Rate / Annual Percentage Rate

Personal Loans

Annual percentage rates may be as low as*
36 months
10.50%
48 months
10.75%
60 months
10.75%
* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness.

Unsecured Single Pay Note

90 day note
15.00%
Annual Percentage Rate
   

Overdraft Protection Line of Credit

15.00%
Annual Percentage Rate
Requires minimum $50.00 monthly payments 

Personal Line of Credit

15.00%
Annual Percentage Rate
Reguires minimum $75.00 monthly payments

New Vehicle Loans

Annual percentage rates may be as low as*
36 months
3.00%
 48 months
3.25% 
60 months
3.75%
66 months
4.25%
72 months
4.75%
73 - 120 months
6.75% 
   
* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness.

Used Vehicle Loans

Annual percentage rates may be as low as*
2013 - 2014

36 months
3.00%

 48 months
3.25% 
60 months
3.75%
66 months
4.25%
72
months
4.75% 
 73 - 120 months
6.75%
 

2012 - 2011

36 months
3.00%

48 months
3.25% 

60 months
3.75%

 66
months
4.25%

   

2010

36 months
3.00%

 48 months
3.25%

60 months
3.75% 
   
2009 - 2008
36 months
3.00%
 48 months
3.25%
54 months
3.75% 
 

 
2007 -2006      
36 months
3.00%
48 months
3.25%
   
2005 - Older      
36 months
3.00%
     
* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness.
 
 

Mortgage Loan / Conventional and Home Equity Loans

In house first and second mortgages are available.  Secondary market real estate loans are available for terms up to 30 years.  For more information call 485-4523 ext. 1138, or email us here .

Mobile Home & Land Loan

See information on Mortgage Loan/Conventional and Home Equity Loans

Unimproved Property (Deed of Trust Required)- Not available at this time

Annual percentage rates may be as low as*
L-T-V
80% Max
15% Down 7.50%
Annual Percentage Rate
120 Months    
* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness.

New Motorcycles / ATVs Loans

Annual percentage rates may be as low as*
36 months
3.00% 
48 months
3.25% 
 60 months
3.75%
66 months
4.25% 
 
* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness.

Used Motorcycles / ATVs Loans

Annual percentage rates may be as low as*
36 months
3.00%
48 months
3.25%
 
* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness.

New Boats & RVs Loans

Annual percentage rates may be as low as*
36 months
3.00%
48 months
3.25% 
60 months
3.75%
  66 months**
4.25%
72 months**
5.25%
73 -120 months**
6.75%
   
  **$15,000 minimum loan amount
* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness.

Used Boats & RVs Loans

Annual percentage rates may be as low as*
36 months
3.00%
 48 months
3.25%
60 months
3.75%
     
* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness.
Annual percentage rates may be as low as*
36 months
3.00%
 48 months
3.25%
60 months
3.75%
     
* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness.
Urgent Mortgage Loans Refinancing

Click for secure, live online chat
Available during normal lobby hours

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Locations
Hours
Phone

Main Office
1306 Murdoch Ave.
Parkersburg, WV 26101

South Parkersburg Office
809 Division St.
Parkersburg, WV 26101

Vienna Office
1701 Grand Central Ave.
Vienna, WV 26105
Lobby Hours:
Mon-Thu: 8:30am-4:30pm
Fri: 8:30am-5:30pm

Drive-Through Hours:
Mon-Fri: 7:30am-6:00pm
Sat: 8:00am-12:00noon
Local:
304-485-4523

Toll-Free:
1-800-642-1902

Lost or Stolen Cards:
Use these numbers to report lost
or stolen cards after hours:

Debit Card #: (800) 554-8969
VISA #: (800) 558-3424


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