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Consumer Account Interest Rates

CA, 94105 Change Location
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.

Effective 01/18/2020 through 01/24/2020



Note: 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. If you receive a periodic account statement, that statement will include the Annual Percentage Yield Earned (APYE) on your account for the period covered by the statement. The APYE is an annualized rate that reflects the relationship between the amount of interest actually earned on your account during the statement period and the average daily balance in the account for the statement period.

Checking Rates

Checking accounts Interest Rate APY Balance Minimum opening deposit
Wells Fargo Portfolio Checking2 0.01% 0.01% $0 - $4,999.99 $25
0.05% 0.05% $5,000 or more
Wells Fargo Preferred Checking2,3 0.01% 0.01% $500 or more $25

Savings Rates

Savings account Interest Rate APY Balance Minimum opening deposit
Wells Fargo Way2Save® Savings2 0.01% 0.01% $0 or more $25
Wells Fargo Opportunity SavingsSM2 0.01% 0.01% $0 or more $25
Savings accounts Interest Rate APY Bonus Interest Rate4 Bonus APY4 Balance Minimum opening deposit
Wells Fargo Platinum Savings2 0.05% 0.05% 0.10% 0.10% $0 or more $25

CD (Time Accounts) Rates

Special CDs (Time Accounts) Term Interest Rate APY Bonus Interest Rate Bonus APY1 Renewal Term Minimum opening deposit
Special Fixed Rate CDs5,6 9 months
1.49% 1.50% 1.54% 1.55% 6 months $5,000
29 months
1.14% 1.15% 1.19% 1.20% 24 months
39 months
1.14% 1.15% 1.19% 1.20% 36 months
Standard CDs (Time Accounts) Term Interest Rate APY Bonus Interest Rate Bonus APY1 Balance tiers Minimum opening deposit
Standard Fixed Rate CDs6 3 months 0.05% 0.05% 0.10% 0.10% $0 - $4,999.99 $2,500
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 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 +
1 Year 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 +

Wells Fargo Destination® IRA Rates

Retirement Savings account Interest Rate APY Balance Minimum opening deposit
Wells Fargo® Way2SaveSM Retirement Account2 0.03% 0.03% $0 or more $100
Retirement Savings account Interest Rate APY Balance Minimum opening deposit
Wells Fargo Retirement High Yield Savings2 0.03% 0.03% $0 - $99,999.99 $100
0.05% 0.05% $100,000 or more
Retirement CDs (Time Accounts) Special Rates Term Interest Rate APY Bonus Interest Rate Bonus APY1 Renewal Term Minimum opening deposit
Retirement CDs (Time Accounts) Special Fixed Rates6,7 9 months
1.49% 1.50% 1.54% 1.55% 6 months $2,500
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 CDs (Time Account) Standard Rates Term Interest Rate APY Bonus Interest Rate Bonus APY1 Balance tiers Minimum opening deposit
Retirement CDs (Time Accounts) Standard Fixed Rates6 1 - 2 months 0.01% 0.01% 0.06% 0.06% $0 - $4,999.99 $1,000
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 +

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. If you receive a periodic account statement, that statement will include the Annual Percentage Yield Earned (APYE) on your account for the period covered by the statement. The APYE is an annualized rate that reflects the relationship between the amount of interest actually earned on your account during the statement period and the average daily balance in the account for the statement period.