# WaFd Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/wafd-bank
Institution: WaFd Bank (FDIC 28088)
Aliases: WaFd
Status: live
Last verified: 2026-10-22T14:04:52.000Z (October 22, 2026)
Official source: https://www.wafdbank.com/personal-banking/interest-rates
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Fixed Rate Certificates of Deposit | standard | 14 days | $90,000 | 0.10% | Not ZIP-priced | −4.03% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| Fixed Rate Certificates of Deposit | standard | 3 months | $90,000 | 0.10% | Not ZIP-priced | −4.20% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| Fixed Rate Certificates of Deposit | standard | 3 months | $1,000 | 0.05% | Not ZIP-priced | −4.25% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| Fixed Rate Certificates of Deposit | standard | 4 months | $90,000 | 0.20% | Not ZIP-priced | −4.19% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| Fixed Rate Certificates of Deposit | standard | 4 months | $1,000 | 0.15% | Not ZIP-priced | −4.24% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| Fixed Rate Certificates of Deposit | standard | 6 months | $1,000 | 3.05% | Not ZIP-priced | −1.35% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| Fixed Rate Certificates of Deposit | standard | 6 months | $90,000 | 3.05% | Not ZIP-priced | −1.35% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| 7 Month CD Special | promotional | 7 months | $1,000 | 3.60% | Not ZIP-priced | −0.83% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| Fixed Rate Certificates of Deposit | standard | 12 months | $1,000 | 3.00% | Not ZIP-priced | −1.57% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| Fixed Rate Certificates of Deposit | standard | 12 months | $90,000 | 3.00% | Not ZIP-priced | −1.57% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| 13 Month CD Special | promotional | 13 months | $1,000 | 4.10% | Not ZIP-priced | −0.50% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| Fixed Rate Certificates of Deposit | standard | 18 months | $90,000 | 0.25% | Not ZIP-priced | −4.47% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| Fixed Rate Certificates of Deposit | standard | 18 months | $1,000 | 0.20% | Not ZIP-priced | −4.52% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| 19 Month CD Special | promotional | 19 months | $1,000 | 3.50% | Not ZIP-priced | −1.24% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| Fixed Rate Certificates of Deposit | standard | 24 months | $90,000 | 0.25% | Not ZIP-priced | −4.62% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| Fixed Rate Certificates of Deposit | standard | 24 months | $1,000 | 0.20% | Not ZIP-priced | −4.67% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| 30 Month CD Special | promotional | 30 months | $1,000 | 2.95% | Not ZIP-priced | −1.96% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| Fixed Rate Certificates of Deposit | standard | 36 months | $90,000 | 0.25% | Not ZIP-priced | −4.70% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| Fixed Rate Certificates of Deposit | standard | 36 months | $1,000 | 0.20% | Not ZIP-priced | −4.75% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| Fixed Rate Certificates of Deposit | standard | 48 months | $90,000 | 0.30% | Not ZIP-priced | −4.68% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| Fixed Rate Certificates of Deposit | standard | 48 months | $1,000 | 0.25% | Not ZIP-priced | −4.73% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| Fixed Rate Certificates of Deposit | standard | 60 months | $90,000 | 0.35% | Not ZIP-priced | −4.66% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |
| Fixed Rate Certificates of Deposit | standard | 60 months | $1,000 | 0.30% | Not ZIP-priced | −4.71% | 2026-10-22T14:04:52.000Z | [Snapshot 292](https://apyledger.com/snapshots/292) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.