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Savings Accounts and CD (Time Account) Rates

CA, 94105 Change Location

Savings Rates

Wells Fargo Way2Save® Savings

Open a Way2Save® Savings account
$25 minimum opening deposit

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

Platinum Savings - Standard Interest Rate

Open a Platinum Savings account
$25 minimum opening deposit

Balance Interest Rate APY Bonus Interest Rate Bonus APY
$0 - $249999 0.01% 0.01% 0.06% 0.06%
$250000 or more 0.05% 0.05% 0.10% 0.10%
Special Interest Rates may be available; to find out more, make an appointment, visit a Wells Fargo store, or call 1-800-869-3557.

CD Rates

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
% % % %
19 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 +

Step Rate CD Rates

$2,500 minimum opening deposit

A Step Rate CD (Time Account) is a 24-month CD featuring guaranteed interest rate increases and one penalty-free withdrawal every six months, provided the minimum opening balance is maintained.

Term Interest Rate APY Bonus Interest Rate Bonus APY,
24 months
See important details about Step Rate CD rates and related APYs.

 Saving for Retirement? 

View retirement CD (Time Account) rates. Compare Wells Fargo Destination® IRA Rates

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.

Minimum opening deposit of $5,000 required. Public funds are not eligible for these offers. Special Offer Rate applicable to initial term only. At maturity, CDs will automatically renew for the Renewal Term stated above, at the interest rate and APY in effect for CDs not subject to a Special Offer Rate, unless the Bank has notified you otherwise.

Fixed rate CDs require a $2,500 minimum opening deposit, unless otherwise noted.

One partial withdrawal which does not reduce the balance below the minimum opening deposit amount may be made without an Early Withdrawal Fee within five business days beginning on each of the three days the interest rate increases. If any withdrawal causes the balance to drop below the minimum opening deposit amount, an Early Withdrawal Fee will be assessed on the entire amount withdrawn. Early withdrawals made on any day other than during the five-day penalty-free withdrawal period beginning on each of the three days the interest rate increases will be subject to an Early Withdrawal Fee. Withdrawals will reduce earnings. At maturity, the Step Rate CD will automatically renew as a Standard  (non-step) 24-month fixed rate CD (Time Account), at the interest rate and APY in effect for CDs not subject to a Special Offer Rate, unless the Bank has notified you otherwise. Public Funds are not eligible for this offer.

Annual Percentage Yield assumes interest remains on deposit until maturity.  Bonus Step Rate CD APY (and interest rate, if shown) is applicable to the initial 24-month term.
Special Interest Rates are available for accounts with aggregate balances up to $1 million, and require $25,000 deposited to the account from sources outside of Wells Fargo Bank, N.A., or its affiliates. To receive the Bonus APY the account must remain linked to a Portfolio by Wells Fargo® relationship. If the Portfolio by Wells Fargo relationship is terminated, the bonus interest rate on all eligible savings accounts will discontinue and revert to the Bank's then current applicable interest rate. For time accounts, the bonus interest rate will discontinue upon renewal. Annual Percentage Yield (APY) is a blended APY which is based on the Special Interest Rate for the promotional period and the Standard Interest Rate for remaining months. Minimum daily account balance of $25,000 must be maintained to earn the disclosed Special Interest Rate and blended APY. The account will revert to the Standard Interest Rate for any day the balance falls below the minimum daily balance.

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 10/20/2018 - 10/26/2018

Savings Accounts:

Annual Percentage Yields (APY) and Interest Rates shown are offered on accounts accepted by the Bank and effective for the dates shown above, unless otherwise noted. Interest Rates are subject to change without notice. Interest is compounded daily and paid monthly. Interest is calculated and accrued daily based on the daily collected balances in the account. Accrued interest is considered to be earned and will be paid only when the total interest accrued reaches $0.01 or more. In any month the amount of accrued interest is less than $0.01, periodic statements will show no Annual Percentage Yield Earned (APYE) or interest earned though interest is accruing. Interest Rates and APYs for all checking and savings accounts are variable that the Bank can change at any time. Fees could reduce earnings.

The balance tiers for the accounts listed in this disclosure are as follows: $0 to $499.99; $500 to $999.99; $1,000 to $2,499.99; $2,500 to $4,999.99; $5,000 to $9,999.99; $10,000 to $24,999.99; $25,000 to $49,999.99; $50,000 to $99,999.99; $100,000 to $249,999.99; $250,000 to $499,999.99; $500,000 to $999,999.99; $1,000,000 or more. Wells Fargo interest rates offered within two or more consecutive tiers may be the same. When this is the case, this disclosure may show those multiple tiers as a single tier. Each tier shown reflects the current minimum daily collected balance required to obtain the applicable APY.

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.

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. Other than Step Rate CDs, rates are fixed for the term of the CD. Step Rate CDs have a variable interest rate that is increased every six months

Interest is compounded daily. Payment of interest on CDs is based on term:

  • For terms less than 12 months (365 days), interest may be paid monthly, quarterly, semi-annually, or at maturity (the end of the term).
  • For terms of 12 months or more, interest may be paid monthly, quarterly, semi-annually, or annually.

Fees 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 Fee.  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 Fee below:

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

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

Wells Fargo Bank, N.A. Member FDIC.