Best Banks & Credit Unions in Charleston, West Virginia

Banks and credit unions serving Charleston, West Virginia. Compare up to 0.20% APY, fees, minimums and membership rules, dated when we read them.

This page covers banks, credit unions, and local branches available to residents of Charleston, West Virginia. All rankings inherit from the West Virginia state directory. Every institution listed is licensed to serve Charleston residents and is either headquartered in West Virginia or operates branches in the metro.

Top options in Charleston

• Bayer Heritage Federal Credit Union: 3.55% APY. 12 Months Share Certificate: May be purchased in any denomination above $100; subject to early withdrawal penalty. Jumbo certificates need $100,000 and pay 3.600%. Read Sep 7, 2026 on bayerhfcu.com. Rates as of 2026-09-01 per the page.
• WEPCO Federal Credit Union: 3.55% APY. 12 Months Share Certificate: Minimum deposit of $500.00 required; early withdrawal penalty applies. Read Sep 7, 2026 on wepcofcu.com. Rates as of 2026-01-01 per the page.
• Fairmont Federal Credit Union: 3.50% APY. 12 month Share Certificate: $500 minimum balance requirement. Jumbo certificates need $100,000 and pay 3.60%; the 3.85% 12-month figure is a youth certificate special. Read Sep 7, 2026 on fairmontfcu.com. Rates as of 2026-04-20 per the page.
• Chessie Federal Credit Union: 2.53% APY. 12 months Share Certificate: $500 minimum. Read Sep 7, 2026 on chessiefcu.org. Rates as of 2026-04-20 per the page.
• Patriot Federal Credit Union: 2.50% APY. Dividend Checking: Minimum opening balance $2,500; 2.50% on the $2,500-$25,000 average daily balance and 0.00% on the portion above $25,000.01. Read Sep 7, 2026 on patriotfcu.org. Rates as of 2026-09-02 per the page.
• Putnam County Bank: 1.25% APY. 12 Month Certificate of Deposit: $1,000 minimum balance to open and to earn the APY; a penalty may be imposed for early withdrawal. Read Sep 7, 2026 on pcbwv.bank.

Banks with more than one branch in Charleston

Each opens every one of that bank's offices in Charleston, with the address of each and what it holds.

• Truist Bank in Charleston: 4 branches
• City National Bank of West Virginia in Charleston: 4 branches

Other West Virginia cities

See the full West Virginia banks directory for every institution we've verified in the state, plus the underlying methodology.