Wells Fargo CD Rates — October 2026
As of October 22, 2026, Wells Fargo's best CD rate for ZIP 10001 (New York, NY) is 4.25% APY on an 11-month relationship CD ($5,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). The best rate was 4.25% APY in all 3 ZIP codes checked.
Tracking began .
Rates by location
Wells Fargo prices some CDs by ZIP code. We check one ZIP in each state where it has branches.
Wells Fargo CD rates in San Francisco, CA
Personal CD quotes are specific to the ZIP codes checked. Relationship APYs require an eligible linked checking account; renewal quotes are excluded.
| Term | Product | APY |
|---|---|---|
| 3 months | Standard Fixed Rate CD Relationship | 0.06%Verified October 22, 2026 |
| 3 months | Standard Fixed Rate CD | 0.05%Verified October 22, 2026 |
| 4 months | Special Fixed Rate CD Relationship | 3.75%Verified October 22, 2026 |
| 4 months | Special Fixed Rate CD Promotional | 3.49%Verified October 22, 2026 |
| 6 months | Standard Fixed Rate CD Relationship | 0.06%Verified October 22, 2026 |
| 6 months | Standard Fixed Rate CD | 0.05%Verified October 22, 2026 |
| 7 months | Special Fixed Rate CD Relationship | 4.10%Verified October 22, 2026 |
| 7 months | Special Fixed Rate CD Promotional | 3.84%Verified October 22, 2026 |
| 11 months | Special Fixed Rate CD Relationship | 4.25%Verified October 22, 2026 |
| 11 months | Special Fixed Rate CD Promotional | 3.99%Verified October 22, 2026 |
| 12 months | Standard Fixed Rate CD Relationship | 1.51%Verified October 22, 2026 |
| 12 months | Standard Fixed Rate CD | 1.50%Verified October 22, 2026 |
| 15 months | Special Fixed Rate CD Relationship | 4.00%Verified October 22, 2026 |
| 15 months | Special Fixed Rate CD Promotional | 3.74%Verified October 22, 2026 |
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 3.99% APY (11 months). The standard rate for a similar term is 1.50% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $249 less per year. Check the account terms and set a reminder before maturity.
What are Wells Fargo's best CD rates by term?
Wells Fargo's best rate for ZIP 94105 is 4.25% APY on 11 months, verified October 22, 2026.
- 3 mo0.06%
- 4 mo3.75%
- 6 mo0.06%
- 7 mo4.10%
- 11 mo4.25%
- 12 mo1.51%
- 15 mo4.00%
How much interest could a Wells Fargo CD earn?
Estimated interest at maturity for the displayed ZIP 94105 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.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $0.750.06% APY · Standard Fixed Rate CD · Relationship | $1.500.06% APY · Standard Fixed Rate CD · Relationship | $3.740.06% APY · Standard Fixed Rate CD · Relationship | $7.480.06% APY · Standard Fixed Rate CD · Relationship |
| 6 months | $1.500.06% APY · Standard Fixed Rate CD · Relationship | $3.010.06% APY · Standard Fixed Rate CD · Relationship | $7.520.06% APY · Standard Fixed Rate CD · Relationship | $15.040.06% APY · Standard Fixed Rate CD · Relationship |
| 11 months | $194.704.25% APY · Special Fixed Rate CD · Relationship | $389.404.25% APY · Special Fixed Rate CD · Relationship | $973.494.25% APY · Special Fixed Rate CD · Relationship | $1,946.994.25% APY · Special Fixed Rate CD · Relationship |
| 12 months | $75.501.51% APY · Standard Fixed Rate CD · Relationship | $151.001.51% APY · Standard Fixed Rate CD · Relationship | $377.501.51% APY · Standard Fixed Rate CD · Relationship | $755.001.51% APY · Standard Fixed Rate CD · Relationship |
How Wells Fargo compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 335-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 3 of 16 tracked institutions with fresh 335-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Wells Fargo (this institution)Special Fixed Rate CD · Relationship | 11 months | $5,000 | San Francisco, CA · ZIP 94105 | 4.25% | October 22, 2026 |
| Capital One (highest tracked APY for this term)360 CD · Promotional | 11 months | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 11 months | $2,500 | Nationwide; check eligibility | 4.10% | October 22, 2026 |
| Mission Federal Credit Union11-Month Flex Promo Certificate · Promotional | 11 months | $500 | Coverage: CA | 4.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 11 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.54% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Wells Fargo on October 22, 2026.
About Wells Fargo
- Legal name
- Wells Fargo Bank, National Association
- Regulator ID
- FDIC 3511
- Headquarters
- Sioux Falls, SD
- Available in
- AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, KS, MA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY
- Total assets
- $1,907.9 billion
- Also known as
- Wells Fargo Bank
- Website
- www.wellsfargo.com
Source: rates read from https://www.wellsfargo.com/savings-cds/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Wells Fargo?
4.25% APY on an 11-month relationship CD for ZIP 10001, as of October 22, 2026.
What is the minimum deposit for a Wells Fargo CD?
The lowest minimum we found is $2,500; jumbo and higher balance tiers start at up to $100,000.
Do Wells Fargo CD rates depend on where you live?
Rates may depend on location. The best rate was 4.25% APY in all 3 ZIP codes checked.
How does Wells Fargo's best CD rate compare with Treasury yields?
4.25% APY is −0.29% versus the 11-month Treasury yield of 4.54% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.25% a good CD rate?
It is 2.4 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 Wells Fargo CDs insured?
Wells Fargo is an FDIC-insured bank (FDIC 3511). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Wells Fargo's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Wells Fargo's website and may change at any time. Confirm terms, minimums and eligibility with Wells Fargo before opening an account. This page is not financial advice.