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Wells Fargo Destination® IRA Rates

CA, 94105 Change Location

APY (Annual Percentage Yield)

The APY (Annual Percentage Yield) is a percentage rate that reflects the total amount of interest paid on the account, based on the interest rate and the frequency of compounding for a 365-day period (366 in a leap year).

If you receive a periodic statement, that statement will include the Annual Percentage Yield earned (APYE) on your account for the period covered by the statement.

Retirement CD (Time Account) Special Rates

Open a Retirement CD
$2,500 minimum opening deposit

Term Interest Rate APY Bonus Interest Rate Bonus APY Renewal Term
9 months
26 months
39 months
58 months

Retirement CD Standard Rates - Balance Tiers and APY

Open a Retirement CD
$1,000 minimum opening deposit

Term Interest Rate APY Bonus Interest Rate Bonus APY Balance
3 - 5 months NA NA NA NA $0 - $4999
NA NA NA NA $5000 - $9999
NA NA NA NA $10000 - $24999
NA NA NA NA $25000 - $49999
NA NA NA NA $50000 - $99999
NA NA NA NA $100,000 +
6 - 11 months NA NA NA NA $0 - $4999
NA NA NA NA $5000 - $9999
NA NA NA NA $10000 - $24999
NA NA NA NA $25000 - $49999
NA NA NA NA $50000 - $99999
NA NA NA NA $100,000 +
12 - 23 months NA NA NA NA $0 - $4999
NA NA NA NA $5000 - $9999
NA NA NA NA $10000 - $24999
NA NA NA NA $25000 - $49999
NA NA NA NA $50000 - $99999
NA NA NA NA $100,000 +
24 - 35 months NA NA NA NA $0 - $4999
NA NA NA NA $5000 - $9999
NA NA NA NA $10000 - $24999
NA NA NA NA $25000 - $49999
NA NA NA NA $50000 - $99999
NA NA NA NA $100,000 +
36 - 47 months NA NA NA NA $0 - $4999
NA NA NA NA $5000 - $9999
NA NA NA NA $10000 - $24999
NA NA NA NA $25000 - $49999
NA NA NA NA $50000 - $99999
NA NA NA NA $100,000 +
48 - 59 months NA NA NA NA $0 - $4999
NA NA NA NA $5000 - $9999
NA NA NA NA $10000 - $24999
NA NA NA NA $25000 - $49999
NA NA NA NA $50000 - $99999
NA NA NA NA $100,000 +
60 - 71 months NA NA NA NA $0 - $4999
NA NA NA NA $5000 - $9999
NA NA NA NA $10000 - $24999
NA NA NA NA $25000 - $49999
NA NA NA NA $50000 - $99999
NA NA NA NA $100,000 +
72 - 144 months NA NA NA NA $0 - $4999
NA NA NA NA $5000 - $9999
NA NA NA NA $10000 - $24999
NA NA NA NA $25000 - $49999
NA NA NA NA $50000 - $99999
NA NA NA NA $100,000 +

Step Rate Retirement CD

A Step Rate CD is a 24-month CD featuring guaranteed interest rate increases and one penalty-free partial withdrawal every 6 months, provided the minimum opening balance is maintained.

  • Guaranteed rate increases.

    Guaranteed, automatic rate increases occur at 7,13 and 19 months.
  • Access to funds.

    You can make one penalty-free partial withdrawal for 5 business days beginning on each of the days the interest rate increases, provided the minimum opening balance remains on deposit. If a rate increase occurs on a weekend or non-business day, the penalty-free partial withdrawal period begins on the next business day.

Note:

The Step Rate Retirement CD account can be opened only at a Wells Fargo store.
Minimum opening deposit: $1,000

Term Interest Rate APY Bonus Interest Rate Bonus APY,
24 months
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