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Wells Fargo CDs

CA, 94105 Change Location

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 compounded daily for a 365-day period.

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 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 APY (Annual Percentage Yield) is a percentage rate that reflects the total amount of interest paid on the account, based on the interest rate compounded daily for a 365-day period.

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.

A Wells Fargo CD is a good way to build your savings and keep your peace of mind.

A Wells Fargo CD provides your savings with a guaranteed return, even during uncertain times. 

With a Wells Fargo CD, you can enjoy financial security knowing your funds are FDIC-insured up to the maximum allowable limits. Investing in a CD can provide peace of mind whether you're saving for tomorrow, next year’s projects, college tuition, or retirement.

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.

Special CD Rates

Open a Special CD account
$5,000 minimum opening deposit

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

Standard CD Rates

Open a Standard CD account
$2,500 minimum opening deposit

Term Interest Rate APY Bonus Interest Rate Bonus APY Balance
3 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 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 +
1 year 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 +
  

A Step Rate CD is a 24-month CD featuring guaranteed interest rate increases and one penalty-free 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 within five 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.
  • Bonus rates. Step Rate CD bonus rate and APY are available for the initial 24-month term if you link your Step Rate CD at account opening to a Portfolio by Wells Fargo® program.

Note: The Step Rate CD account can be opened only at a Wells Fargo store



A CD is an insured financial product similar to a savings account, which means it has little to no risk. Unlike a savings account, a CD has a specific, fixed term (which is why they are sometimes called "time accounts"), and generally earns interest at a fixed interest rate.

After the CD reaches the end of its term (this is called "maturity"), the account holder may withdraw the money and its accrued interest or renew for an additional term.