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Destination IRA rates apply to existing accounts only. If you currently have a Destination IRA and need help with contributions, rollovers, distributions, or a new account to fund your existing plan, please call 1-800-BEST-IRA (1-800-237-8472).
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 Special Rates
$2,500 minimum opening deposit| Term | Special Interest Rate | Annual Percentage Yield (APY) | Relationship Interest Rate | Relationship APY | Renewal Term |
|---|---|---|---|---|---|
| 5 months | 4.40% | 4.50% | 4.65% | 4.76% | 3 months |
Retirement CD Standard Rates - Balance Tiers and Annual Percentage Yield (APY)
$1,000 minimum opening deposit
| Term | Standard Interest Rate | Annual Percentage Yield (APY) | Relationship Interest Rate | Relationship APY | Balance |
|---|---|---|---|---|---|
| 1 - 2 months | 0.01% | 0.01% | 0.02% | 0.02% | $0 - $4,999.99 |
| 0.01% | 0.01% | 0.02% | 0.02% | $5,000 - $9,999.99 | |
| 0.01% | 0.01% | 0.02% | 0.02% | $10,000 - $24,999.99 | |
| 0.01% | 0.01% | 0.02% | 0.02% | $25,000 - $49,999.99 | |
| 0.01% | 0.01% | 0.02% | 0.02% | $50,000 - $99,999.99 | |
| 0.01% | 0.01% | 0.02% | 0.02% | $100,000 + | |
| 3 - 5 months | 0.50% | 0.50% | 0.51% | 0.51% | $0 - $4,999.99 |
| 0.50% | 0.50% | 0.51% | 0.51% | $5,000 - $9,999.99 | |
| 0.50% | 0.50% | 0.51% | 0.51% | $10,000 - $24,999.99 | |
| 0.50% | 0.50% | 0.51% | 0.51% | $25,000 - $49,999.99 | |
| 0.50% | 0.50% | 0.51% | 0.51% | $50,000 - $99,999.99 | |
| 1.00% | 1.01% | 1.01% | 1.02% | $100,000 + | |
| 6 - 11 months | 2.47% | 2.50% | 2.48% | 2.51% | $0 - $4,999.99 |
| 2.47% | 2.50% | 2.48% | 2.51% | $5,000 - $9,999.99 | |
| 2.47% | 2.50% | 2.48% | 2.51% | $10,000 - $24,999.99 | |
| 2.47% | 2.50% | 2.48% | 2.51% | $25,000 - $49,999.99 | |
| 2.47% | 2.50% | 2.48% | 2.51% | $50,000 - $99,999.99 | |
| 2.47% | 2.50% | 2.48% | 2.51% | $100,000 + | |
| 12 - 23 months | 1.49% | 1.50% | 1.50% | 1.51% | $0 - $4,999.99 |
| 1.49% | 1.50% | 1.50% | 1.51% | $5,000 - $9,999.99 | |
| 1.49% | 1.50% | 1.50% | 1.51% | $10,000 - $24,999.99 | |
| 1.49% | 1.50% | 1.50% | 1.51% | $25,000 - $49,999.99 | |
| 1.49% | 1.50% | 1.50% | 1.51% | $50,000 - $99,999.99 | |
| 1.98% | 2.00% | 1.99% | 2.01% | $100,000 + | |
| 24 - 35 months | 1.49% | 1.50% | 1.50% | 1.51% | $0 - $4,999.99 |
| 1.49% | 1.50% | 1.50% | 1.51% | $5,000 - $9,999.99 | |
| 1.49% | 1.50% | 1.50% | 1.51% | $10,000 - $24,999.99 | |
| 1.49% | 1.50% | 1.50% | 1.51% | $25,000 - $49,999.99 | |
| 1.49% | 1.50% | 1.50% | 1.51% | $50,000 - $99,999.99 | |
| 1.98% | 2.00% | 1.99% | 2.01% | $100,000 + | |
| 36 - 47 months | 1.49% | 1.50% | 1.50% | 1.51% | $0 - $4,999.99 |
| 1.49% | 1.50% | 1.50% | 1.51% | $5,000 - $9,999.99 | |
| 1.49% | 1.50% | 1.50% | 1.51% | $10,000 - $24,999.99 | |
| 1.49% | 1.50% | 1.50% | 1.51% | $25,000 - $49,999.99 | |
| 1.49% | 1.50% | 1.50% | 1.51% | $50,000 - $99,999.99 | |
| 1.98% | 2.00% | 1.99% | 2.01% | $100,000 + | |
| 48 - 59 months | 1.49% | 1.50% | 1.50% | 1.51% | $0 - $4,999.99 |
| 1.49% | 1.50% | 1.50% | 1.51% | $5,000 - $9,999.99 | |
| 1.49% | 1.50% | 1.50% | 1.51% | $10,000 - $24,999.99 | |
| 1.49% | 1.50% | 1.50% | 1.51% | $25,000 - $49,999.99 | |
| 1.49% | 1.50% | 1.50% | 1.51% | $50,000 - $99,999.99 | |
| 1.98% | 2.00% | 1.99% | 2.01% | $100,000 + | |
| 60 - 71 months | 1.49% | 1.50% | 1.50% | 1.51% | $0 - $4,999.99 |
| 1.49% | 1.50% | 1.50% | 1.51% | $5,000 - $9,999.99 | |
| 1.49% | 1.50% | 1.50% | 1.51% | $10,000 - $24,999.99 | |
| 1.49% | 1.50% | 1.50% | 1.51% | $25,000 - $49,999.99 | |
| 1.49% | 1.50% | 1.50% | 1.51% | $50,000 - $99,999.99 | |
| 1.98% | 2.00% | 1.99% | 2.01% | $100,000 + | |
| 72 - 144 months | 1.49% | 1.50% | 1.50% | 1.51% | $0 - $4,999.99 |
| 1.49% | 1.50% | 1.50% | 1.51% | $5,000 - $9,999.99 | |
| 1.49% | 1.50% | 1.50% | 1.51% | $10,000 - $24,999.99 | |
| 1.49% | 1.50% | 1.50% | 1.51% | $25,000 - $49,999.99 | |
| 1.49% | 1.50% | 1.50% | 1.51% | $50,000 - $99,999.99 | |
| 1.98% | 2.00% | 1.99% | 2.01% | $100,000 + |
Wells Fargo Retirement High Yield Savings
Minimum opening deposit: $100
| Balance | Standard Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|
| $0 - $99,999.99 | 0.25% | 0.25% |
| $100,000 - $499,999.99 | 1.00% | 1.01% |
| $500,000 - $999,999.99 | 1.98% | 2.00% |
| $1,000,000 or more | 2.47% | 2.50% |
Wells Fargo® Way2Save® Retirement Account
Minimum opening deposit: $100
| Balance | Standard Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|
| $0 or more | 0.15% | 0.15% |
