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Wells Fargo Destination® IRA Rates: FDIC-Insured CDs and Savings Accounts

CA, 94105 Change Location

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 Standard Rates - Balance Tiers and APY

$1,000 minimum opening deposit

Term Interest Rate APY Bonus Interest Rate Bonus 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 0.01% 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 +
6 - 11 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 +
12 - 23 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 +
24 - 35 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 +
36 - 47 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 +
48 - 59 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 +
60 - 71 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 +
72 - 144 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 +

Wells Fargo Retirement High Yield Savings

Minimum opening deposit: $100

Balance Interest Rate APY
$0 or more 0.01% 0.01%

Wells Fargo® Way2Save® Retirement Account

Minimum opening deposit: $100

Balance Interest Rate APY
$0 or more 0.01% 0.01%