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growing money

Rate Specials

Rate Specials

More Interest in You.

It Pays to Bank Local!


We understand that staying updated on the latest and most beneficial financial opportunities is vital to making informed, prosperous decisions. From Franklin's vibrant streets to Moorefield's serene landscapes, whether you live in Virginia or West Virginia, know that when you choose PCB, you'll always have access to our region’s most rewarding rate specials!

Whether it's the dynamic rewards from our Kasasa Cash Back Checking, the lucrative interests from our Investment Plus Money Market, or the stability offered by our special CD Rates, you’ll find all of the information needed to help your money work harder and smarter for you

Let's build a future where your financial growth is always in sync with the best rates in the market, right here, in your community!

 

Learn More or Open Account


Never miss a chance to amplify your savings and investments


Kasasa Cash+ Checking 
 
  • Earn 6.00% APY* on balances up to $25,000, 0.10% APY on balances $25,000 and above
  • Link to our Kasasa Saver+ and earn an additional 3.00% APY on balances up to $75,000
How do I earn rewards? 

It’s simple! To earn your rewards, just do the following basic banking
activities in your account during each monthly qualification cycle.

  • Have at least 1 direct deposit or automatic debit transaction post and clear
  • Have at least 25 debit card purchases post and clear
  • Be enrolled in and log into online banking
  • Receive eDocuments each monthly qualification cycle

Investment Plus Money Market

  • $25,000 Minimum Balance
  • Unlimited In-Person Withdrawals or Transfers
Tier Rate
$25,000.00 - $249,999.99  3.50% APY*
$250,000.00 - $499,999.99 3.70% APY*
$500,000.00 - $999,999.99 4.00% APY*
$1,000,000.00 & Above 4.00% APY*

CD Special Rates

Term  Rate
11 Month 4.25% APY*
17 Month  4.00% APY*

Open a Money Market or CD Account
Ready to build up your savings? Contact us to set an appointment or visit us at a nearby PCB Financial Center. 

*(APY) Annual Percentage Yield effective as of 10/17/2023.

Kasasa Cash+ Checking: Rates may change after account is opened. Fees could reduce earnings on this account. Minimum to open is $50 for Kasasa Cash+. When monthly qualifications are met, we will refund domestic ATM surcharge and terminal fees up to $4.99 per transaction. Qualifying transactions must post to and clear your account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to and clear an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. “Statement Cycle” means a period beginning on the Thursday after the second Wednesday of one month through the second Wednesday of the following month.

To qualify for Kasasa Cash+ preferred rates, you must : (1) Have at least twenty five (25) debit card point of sale transactions post and clear your account per monthly “qualification cycle” (Does not include ATM transactions); (2) Sign into online banking at least once per monthly “qualification cycle”; (3) Have at least one (1) direct deposit or automatic debit post and clear your account per monthly “qualification cycle”; and (4) Opt in for eDocuments (eStatements). If qualifications are met each monthly qualification cycle: (1) balances up to $24,999.99 receive an APY of 6.00%; and (2) balances of $25,000.00 and above earn 0.10% interest rate on the portion of the balance of $25,000.00 and above, resulting in 6.00% to 1.28% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. In the event that you do not receive your monthly statement electronically, you will be charged a $3.00 fee per “statement cycle”. Limit one account per SSN.
 
**Overdraft fees may apply.

Investment Plus Money Market: 3.50% APY paid if your balance is between $25,000.00 and $249,999.99; 3.70% APY

paid if your balance is between $250,000.00 and $499,999.99; 4.00% APY paid if your balance is between $500,000.00
and $999,999.99; and 4.00% APY paid if your balance is $1,000,000.00 and above. At our discretion, we may change the
APYs on the account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example,
checks). A minimum opening balance of $25,000.00 is required for this account. You must maintain a minimum balance
of $25,000.00 in the account each day to obtain the disclosed APYs. A service charge of $21.00 will be imposed every
month if the balance of the account falls below $25,000.00 any day of the statement cycle. You must receive your monthly
statement electronically. In the event that you do not receive your monthly statement electronically, you will be charged a
$3.00 fee per statement cycle. During any statement cycle, you may not make more than six (6) withdrawals or transfers
to another account of yours or to a third party by means of a pre-authorized or automatic transfer or telephone order
or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. You can make unlimited
transfers to another account with the Bank, provided the transfer is initiated by you in person or at an ATM. There is a
$9.99 fee for each debit in excess of six (6) per statement cycle.

11 Month Special CD: The initial term of the account is 11 months. You must deposit at least $10,000.00 to open the account and maintain a minimum balance of $10,000 in the account each day to obtain the disclosed APY. The APY will not change for the initial term of the account. The APY assumes interest will remain on deposit until maturity. Fees could reduce earnings on the account. A fee may be imposed for any withdrawal from the account prior to the maturity date. Withdrawals made within the first six days after a deposit will be subject to an early withdrawal penalty of seven days’ interest. The account will automatically renew at maturity. Each renewal term will be 12 months. The interest rate will be calculated on the same basis as our 12-month CD at the time of renewal. You will have 10 days after the maturity date to withdrawal funds without penalty.
 
17 Month CD: The initial term of the account is 17 months. You must deposit at least $10,000.00 to open the account and maintain a minimum balance of $10,000 in the account each day to obtain the disclosed APY. The APY will not change for the initial term of the account. The APY assumes interest will remain on deposit until maturity. Fees could reduce earnings on the account. A fee may be imposed for any withdrawal from the account prior to the maturity date. Withdrawals made within the first six days after a deposit will be subject to an early withdrawal penalty of seven days’ interest. The account will automatically renew at maturity. Each renewal term will be 12 months. The interest rate will be calculated on the same basis as our 12-month CD at the time of renewal. You will have 10 days after the maturity date to withdrawal funds without penalty.