APY Ledger

WaFd Bank CD Rates — October 2026

Also known as WaFd.

As of October 22, 2026, WaFd Bank's highest tracked CD rate is 4.10% APY on a 13-month promotional CD ($1,000 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.05% to 3.05% APY.

Last verified from www.wafdbank.com · FDIC-insured bank · Seattle, WA

Tracking began .

Best APY4.10%13 months, $1,000 min
vs. Treasury−0.50%same-term Treasury 4.60%
vs. national average2.3×FDIC national average 1.76%
After inflation0.36%CPI 3.7% year over year
$10,000 earns$444over 13 months, before tax

WaFd Bank CD rates

Includes CD specials and standard fixed-rate certificates, with separate $1,000 and $90,000 balance tiers. Adult opening minimum is $1,000; minors may open with $500. Standard term ranges are shown at their lower bound. See the source for promotional conditions.

WaFd Bank CD rates
TermProductMinimumAPYvs. Treasury
14 days Fixed Rate Certificates of Deposit $90,000 0.10%Verified October 22, 2026 −4.03%
3 months Fixed Rate Certificates of Deposit $90,000 0.10%Verified October 22, 2026 −4.20%
3 months Fixed Rate Certificates of Deposit $1,000 0.05%Verified October 22, 2026 −4.25%
4 months Fixed Rate Certificates of Deposit $90,000 0.20%Verified October 22, 2026 −4.19%
4 months Fixed Rate Certificates of Deposit $1,000 0.15%Verified October 22, 2026 −4.24%
6 months Fixed Rate Certificates of Deposit $1,000same APY in 2 balance tiers 3.05%Verified October 22, 2026 −1.35%
7 months 7 Month CD Special Promotional $1,000 3.60%Verified October 22, 2026 −0.83%
12 months Fixed Rate Certificates of Deposit $1,000same APY in 2 balance tiers 3.00%Verified October 22, 2026 −1.57%
13 months 13 Month CD Special Promotional $1,000 4.10%Verified October 22, 2026 −0.50%
18 months Fixed Rate Certificates of Deposit $90,000 0.25%Verified October 22, 2026 −4.47%
18 months Fixed Rate Certificates of Deposit $1,000 0.20%Verified October 22, 2026 −4.52%
19 months 19 Month CD Special Promotional $1,000 3.50%Verified October 22, 2026 −1.24%
24 months Fixed Rate Certificates of Deposit $90,000 0.25%Verified October 22, 2026 −4.62%
24 months Fixed Rate Certificates of Deposit $1,000 0.20%Verified October 22, 2026 −4.67%
30 months 30 Month CD Special Promotional $1,000 2.95%Verified October 22, 2026 −1.96%
36 months Fixed Rate Certificates of Deposit $90,000 0.25%Verified October 22, 2026 −4.70%
36 months Fixed Rate Certificates of Deposit $1,000 0.20%Verified October 22, 2026 −4.75%
48 months Fixed Rate Certificates of Deposit $90,000 0.30%Verified October 22, 2026 −4.68%
48 months Fixed Rate Certificates of Deposit $1,000 0.25%Verified October 22, 2026 −4.73%
60 months Fixed Rate Certificates of Deposit $90,000 0.35%Verified October 22, 2026 −4.66%
60 months Fixed Rate Certificates of Deposit $1,000 0.30%Verified October 22, 2026 −4.71%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

Watch the renewal rate

The best promotional rate here is 4.10% APY (13 months). The standard rate for a similar term is 3.00% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $110 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal

What are WaFd Bank's best CD rates by term?

WaFd Bank's best rate is 4.10% APY on 13 months, verified October 22, 2026.

  1. 14 days0.10%
  2. 3 mo0.10%
  3. 4 mo0.20%
  4. 6 mo3.05%
  5. 7 mo3.60%
  6. 12 mo3.00%
  7. 13 mo4.10%
  8. 18 mo0.25%
  9. 19 mo3.50%
  10. 24 mo0.25%
  11. 30 mo2.95%
  12. 36 mo0.25%
  13. 48 mo0.30%
  14. 60 mo0.35%

Calculate earnings at 4.10% for 13 months

How much interest could a WaFd Bank CD earn?

Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term$5,000$10,000$25,000$50,000
3 months$0.620.05% APY · Fixed Rate Certificates of Deposit · Standard$1.250.05% APY · Fixed Rate Certificates of Deposit · Standard$3.120.05% APY · Fixed Rate Certificates of Deposit · Standard$6.230.05% APY · Fixed Rate Certificates of Deposit · Standard
6 months$75.893.05% APY · Fixed Rate Certificates of Deposit · Standard$151.773.05% APY · Fixed Rate Certificates of Deposit · Standard$379.433.05% APY · Fixed Rate Certificates of Deposit · Standard$758.863.05% APY · Fixed Rate Certificates of Deposit · Standard
12 months$150.003.00% APY · Fixed Rate Certificates of Deposit · Standard$300.003.00% APY · Fixed Rate Certificates of Deposit · Standard$750.003.00% APY · Fixed Rate Certificates of Deposit · Standard$1,500.003.00% APY · Fixed Rate Certificates of Deposit · Standard
13 months$222.224.10% APY · 13 Month CD Special · Promotional$444.444.10% APY · 13 Month CD Special · Promotional$1,111.094.10% APY · 13 Month CD Special · Promotional$2,222.194.10% APY · 13 Month CD Special · Promotional
18 months$15.020.20% APY · Fixed Rate Certificates of Deposit · Standard$30.040.20% APY · Fixed Rate Certificates of Deposit · Standard$75.110.20% APY · Fixed Rate Certificates of Deposit · Standard$150.210.20% APY · Fixed Rate Certificates of Deposit · Standard
24 months$20.020.20% APY · Fixed Rate Certificates of Deposit · Standard$40.040.20% APY · Fixed Rate Certificates of Deposit · Standard$100.100.20% APY · Fixed Rate Certificates of Deposit · Standard$200.200.20% APY · Fixed Rate Certificates of Deposit · Standard
60 months$75.450.30% APY · Fixed Rate Certificates of Deposit · Standard$150.900.30% APY · Fixed Rate Certificates of Deposit · Standard$377.260.30% APY · Fixed Rate Certificates of Deposit · Standard$754.510.30% APY · Fixed Rate Certificates of Deposit · Standard

How WaFd Bank compares

Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 395-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 17 of 34 tracked institutions with fresh 395-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

WaFd Bank CD rate comparison
Institution / benchmarkTermMinimumQuote coverageAPYVerified / source date
WaFd Bank (this institution)13 Month CD Special · Promotional13 months$1,000 Coverage: AZ, CA, ID, NM, NV, OR, TX, UT, WA4.10%October 22, 2026
CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard13 months$1,000 Nationwide; check eligibility4.50%October 22, 2026
Sallie Mae BankCertificate of Deposit (CD) · Standard13 months$2,500 Nationwide; check eligibility4.50%October 22, 2026
Synchrony BankCD · Standard13 monthsNot stated Nationwide; check eligibility4.40%October 22, 2026
Genisys Credit Union (highest tracked APY for this term)Certificate Special · Promotional13 months$500 Coverage: MI, MN4.60%October 22, 2026
Treasury (APY-equivalent)13 months (term-matched estimate)Depends on purchase methodFederal; interest exempt from state income tax4.60%2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking WaFd Bank on October 22, 2026.

About WaFd Bank

Legal name
WaFd Bank
Regulator ID
FDIC 28088
Headquarters
Seattle, WA
Available in
AZ, CA, ID, NM, NV, OR, TX, UT, WA
Total assets
$27.6 billion
Also known as
WaFd
Website
www.wafdbank.com

Source: rates read from https://www.wafdbank.com/personal-banking/interest-rates. See the page text we read.

Frequently asked questions

What is the highest CD rate at WaFd Bank?

Among the rates we track, 4.10% APY on a 13-month promotional CD, as of October 22, 2026.

What is the minimum deposit for a WaFd Bank CD?

The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $90,000.

How does WaFd Bank's best CD rate compare with Treasury yields?

4.10% APY is −0.50% versus the 13-month Treasury yield of 4.60% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.10% a good CD rate?

It is 2.3 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are WaFd Bank CDs insured?

WaFd Bank is an FDIC-insured bank (FDIC 28088). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check WaFd Bank's rate page every day. The rates above were last verified on October 22, 2026.

More bank CD rates

Rates are copied from WaFd Bank's website and may change at any time. Confirm terms, minimums and eligibility with WaFd Bank before opening an account. This page is not financial advice.