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Página principalBusiness Savings and Time Account (CD) Rates
CA, 94105 Change Location
Business CD Rates
Apply for a Business Savings account today
Apply In PersonAnnual Percentage Yield (APY) and Annual Percentage Yield Earned (APYE): The Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on an account based on the interest rate and the frequency of compounding for a 365-day period. The Annual Percentage Yield Earned (APYE) is an annualized rate that reflects the relationship between the amount of interest actually earned on your account during the statement period and the average daily balance in the account for the statement period.
We calculate both your APY and APYE according to formulas established by federal regulations. The APYE appears on your account statement
Terms and conditions apply. Mobile carrier's message and data rates may apply. See Wells Fargo's Online Access Agreement for more information.
Special Interest Rate CDs require a $5,000 minimum opening deposit unless otherwise noted. Public funds are not eligible for these offers. Special Interest Rates are applicable to initial term only. At maturity, Special Interest Rate CDs will automatically renew for the Renewal Term stated above, at the interest rate and Annual Percentage Yield (APY) in effect on the maturity date for CDs not subject to a Special Interest Rate, unless the Bank has notified you otherwise. The bank may limit the amount you may deposit in this product to an aggregate of $2.5 million.
A copy of the then-current rate sheet will be provided to you before you open your account or is available at any time upon request from a banker.
See the Business Account Fee and Information Schedule and Deposit Account Agreement for additional business account information.
CD Accounts:
*The Annual Percentage Yields (APYs) and Interest Rates shown are offered on accounts accepted by the Bank and effective for the dates shown above, unless otherwise noted. Interest Rates are subject to change without notice.
CD rates are fixed for the term of the account. A penalty may be imposed for early withdrawal from a CD. For CDs, interest begins to accrue on the business day you deposit non-cash items, such as checks. Penalties – including early withdrawal penalties – could reduce earnings.
Interest is compounded daily. Payment of interest on CDs is based on term:
- For terms less than 12 months (365 days), interest may be paid monthly, quarterly, semi-annually, or at maturity (the end of the term).
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For terms of 12 months or more, interest may be paid monthly, quarterly, semi-annually, or annually.
CD rates are subject to change at any time and are not guaranteed until the CD is opened.
Early withdrawal(s) may be subject to either the Regulation D Penalty or the early withdrawal penalty. Some exceptions may apply.
The Regulation D penalty is seven days’ simple interest on the amount withdrawn and applies to:
- Withdrawals made within seven days of account opening including the day the account was opened.
- Withdrawals made during the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of the matured CD balance.
- Withdrawals within seven days of any prior withdrawal where the Bank’s early withdrawal penalty is not applied.
Other than the Regulation D penalty described above, any money withdrawn from the CD before the end of its term will be subject to an early withdrawal penalty based on the length of the CD term. If your term is:
- Less than 90 days (or less than 3 months), the penalty is 1 month's interest,
- 90 through 365 days (or 3-12 months), the penalty is 3 months' interest,
- Over 12 months through 24 months, the penalty is 6 months' interest, or
- Over 24 months, the penalty is 12 months' interest.
See the Business Account Fee and Information Schedule and Deposit Account Agreement for additional business account information.
Wells Fargo Bank, N.A. Member FDIC.
QSR-09202026-7765857.1.1
LRC-0325
