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

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 1.49% 1.50% 1.54% 1.55% 6 months
29 months 1.14% 1.15% 1.19% 1.20% 24 months
39 months 1.14% 1.15% 1.19% 1.20% 36 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
1 - 2 months 0.01% 0.01% 0.06% 0.06% $0 - $4,999.99
0.01% 0.01% 0.06% 0.06% $5,000 - $9,999.99
0.01% 0.01% 0.06% 0.06% $10,000 - $24,999.99
0.01% 0.01% 0.06% 0.06% $25,000 - $49,999.99
0.01% 0.01% 0.06% 0.06% $50,000 - $99,999.99
0.01% 0.01% 0.06% 0.06% $100,000 +
3 - 5 months 0.05% 0.05% 0.10% 0.10% $0 - $4,999.99
0.05% 0.05% 0.10% 0.10% $5,000 - $9,999.99
0.05% 0.05% 0.10% 0.10% $10,000 - $24,999.99
0.05% 0.05% 0.10% 0.10% $25,000 - $49,999.99
0.05% 0.05% 0.10% 0.10% $50,000 - $99,999.99
0.05% 0.05% 0.10% 0.10% $100,000 +
6 - 11 months 0.35% 0.35% 0.40% 0.40% $0 - $4,999.99
0.35% 0.35% 0.40% 0.40% $5,000 - $9,999.99
0.35% 0.35% 0.40% 0.40% $10,000 - $24,999.99
0.35% 0.35% 0.40% 0.40% $25,000 - $49,999.99
0.35% 0.35% 0.40% 0.40% $50,000 - $99,999.99
0.35% 0.35% 0.40% 0.40% $100,000 +
12 - 23 months 0.15% 0.15% 0.20% 0.20% $0 - $4,999.99
0.15% 0.15% 0.20% 0.20% $5,000 - $9,999.99
0.15% 0.15% 0.20% 0.20% $10,000 - $24,999.99
0.15% 0.15% 0.20% 0.20% $25,000 - $49,999.99
0.15% 0.15% 0.20% 0.20% $50,000 - $99,999.99
0.15% 0.15% 0.20% 0.20% $100,000 +
24 - 35 months 0.20% 0.20% 0.25% 0.25% $0 - $4,999.99
0.20% 0.20% 0.25% 0.25% $5,000 - $9,999.99
0.20% 0.20% 0.25% 0.25% $10,000 - $24,999.99
0.20% 0.20% 0.25% 0.25% $25,000 - $49,999.99
0.20% 0.20% 0.25% 0.25% $50,000 - $99,999.99
0.20% 0.20% 0.25% 0.25% $100,000 +
36 - 47 months 0.25% 0.25% 0.30% 0.30% $0 - $4,999.99
0.25% 0.25% 0.30% 0.30% $5,000 - $9,999.99
0.25% 0.25% 0.30% 0.30% $10,000 - $24,999.99
0.25% 0.25% 0.30% 0.30% $25,000 - $49,999.99
0.25% 0.25% 0.30% 0.30% $50,000 - $99,999.99
0.25% 0.25% 0.30% 0.30% $100,000 +
48 - 59 months 0.30% 0.30% 0.35% 0.35% $0 - $4,999.99
0.30% 0.30% 0.35% 0.35% $5,000 - $9,999.99
0.30% 0.30% 0.35% 0.35% $10,000 - $24,999.99
0.30% 0.30% 0.35% 0.35% $25,000 - $49,999.99
0.30% 0.30% 0.35% 0.35% $50,000 - $99,999.99
0.30% 0.30% 0.35% 0.35% $100,000 +
60 - 71 months 0.35% 0.35% 0.40% 0.40% $0 - $4,999.99
0.35% 0.35% 0.40% 0.40% $5,000 - $9,999.99
0.35% 0.35% 0.40% 0.40% $10,000 - $24,999.99
0.35% 0.35% 0.40% 0.40% $25,000 - $49,999.99
0.35% 0.35% 0.40% 0.40% $50,000 - $99,999.99
0.35% 0.35% 0.40% 0.40% $100,000 +
72 - 144 months 0.35% 0.35% 0.40% 0.40% $0 - $4,999.99
0.35% 0.35% 0.40% 0.40% $5,000 - $9,999.99
0.35% 0.35% 0.40% 0.40% $10,000 - $24,999.99
0.35% 0.35% 0.40% 0.40% $25,000 - $49,999.99
0.35% 0.35% 0.40% 0.40% $50,000 - $99,999.99
0.35% 0.35% 0.40% 0.40% $100,000 +

Wells Fargo Retirement High Yield Savings

Minimum opening deposit: $100

Balance Interest Rate APY
$0 - $99,999.99 0.03% 0.03%
$100,000 or more 0.05% 0.05%

Wells Fargo® Way2Save® Retirement Account

Minimum opening deposit: $100

Balance Interest Rate APY
$0 or more 0.03% 0.03%
We’re here to help. Open Online

Fixed rate CDs require a $1,000 minimum opening deposit, unless otherwise noted.

To receive the Bonus APY you must maintain a linked Wells Fargo Prime Checking account or Wells Fargo Portfolio Checking account. If the Portfolio by Wells Fargo® relationship is terminated, the bonus interest rate on all eligible savings and time accounts, and discounts or fee waivers on other products and services, will discontinue and revert to the Bank's then-current applicable rate or fee; for time accounts, this change will occur upon renewal.  If the Portfolio by Wells Fargo relationship is terminated, the remaining unlinked Wells Fargo Portfolio Checking or Wells Fargo Prime Checking account will be converted to another checking product or closed.

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.

The interest rates and APYs displayed here are for the Wells Fargo Bank locations in the California counties of Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano and Sonoma.

Current Deposit Rates for 01/18/2020 - 01/24/2020

Savings Accounts:

The Annual Percentage Yields (APY) shown are offered on accounts accepted by the Bank and effective for the dates shown above, unless otherwise noted. Rates are variable and may change without notice after the account is opened.

Interest is compounded daily and paid monthly. The amount of interest earned is based on the daily collected balances in the account. Each tier described above reflects the current minimum daily collected balance required to obtain the applicable APY. When the rates offered within two or more consecutive tiers are the same, this disclosure shows those multiple tiers as a single tier. The specific individual tiers are described in the rate sheet for this account. 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. Fees could reduce earnings on this account. The Wells Fargo Retirement High Yield Savings account and the Wells Fargo Way2Save Retirement account requires a $100 minimum opening deposit.

CD Accounts:

The Annual Percentage Yields (APY) shown are offered on accounts accepted by the Bank and effective for the dates shown above, unless otherwise noted. Rates are fixed for the term of the CD.

Interest is compounded daily, paid monthly, and redeposited into the CD.

Penalties could reduce earnings on the account. The account requires a minimum opening deposit based on term and APY and is listed above.

CD rates are subject to change at any time and are not guaranteed until 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 7 days’ simple interest and applies to:

  • Withdrawals made within 7 days of account opening including the opening day.
  • 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 made after the first 7 days of account opening are subject to the Early Withdrawal Penalty below:

  • For terms less than three months (or less than 90 days), the penalty is one month's interest.
  • For terms three months (or 90 days) through 12 months (or 365 days), the penalty is three months' interest.
  • For terms over 12 months through 24 months, the penalty is six months' interest.
  • For terms over 24 months, the penalty is 12 months' interest.

See the Consumer Account Fee and Information Schedule and Deposit Account Agreement for additional consumer account information.

Wells Fargo Bank, N.A. Member FDIC.