Adjustable Rate Mortgage Index – Wells Fargo

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Adjustable Rate Mortgage Index

What is the Wells Fargo Cost of Savings Index?

Wells Fargo determines certain adjustable mortgage rates using the Wells Fargo Cost of Savings Index (Wells COSI). The interest rate on your loan is the sum of the index value plus an additional amount called a margin.

The Wells COSI is based on the interest rates the depository subsidiaries of Wells Fargo & Company pay to individuals on certificates of deposit (CDs), also known as personal time deposits. The index is calculated using the weighted average of all the interest rates paid on CDs held by individual depositors as of the last business day of each month. The index is calculated monthly and is used to determine the interest rate on your mortgage.

What is the current value of the Wells Fargo Cost of Savings Index?

Name of Index
Current Value
Wells Fargo Cost of Savings Index (COSI) 0.56%
Updated 10/31/2020

How can I get more information about the Wells Fargo Cost of Savings Index?

By phone

Call 1-866-234-8271, Monday through Friday, 6:00 am – 10:00 pm, and Saturday, 8:00 am – 2:00 pm Central Time.

By mail

Wells Fargo Home Mortgage 
P.O. Box 10335
Des Moines, IA 50306