It’s not uncommon for the best certificates of deposit (CDs) nowadays to breach 3.50% APY. These colossal rates most often come from online banks that have little operating costs—so it’s nice to find a full-service bank that offers generous rates too.
TL;DR
- Wells Fargo offers standard and special CDs with competitive rates for 2025.
- Special CDs offer higher APYs, with 4-month terms reaching 3.74% (4.00% for relationship customers).
- IRA and Business CDs are also available with varying minimum deposits and rates.
- Wells Fargo CD rates are competitive but may not be the absolute highest available.
Wells Fargo offers everything from credit cards to high-yield savings accounts. It’s also got a fistful of CD options that go toe-to-toe with just about anyone.
Here's a breakdown of Wells Fargo CD rates and recommendations for maximizing your returns.
All rates and fees are current as of Nov. 10, 2025, and are subject to change.
Wells Fargo Bank CD rates and products
Wells Fargo provides a range of Certificates of Deposit (CDs), including standard options with numerous duration choices and special CDs featuring limited-time promotional rates. The highest Annual Percentage Yield (APY) is attainable for customers holding a Prime Checking, Premier Checking, or Private Bank Interest Checking account.
Just note that rates may vary slightly depending on your region.
Standard CDs
You can find three-, six-, and 12-month CD options online, with additional terms offered at physical branches. A minimum deposit of $2,500 is required to open a regular CD.
Wells Fargo Bank standard CD rates
| Term length | APY | Relationship APY |
|---|---|---|
| 3 months | 1.01% | 1.02% |
| 6 months | 1.01% | 1.02% |
| 12 months | 1.50% | 1.51% |
| 3 months | |
|---|---|
| APY | 1.01% |
| Relationship APY | 1.02% |
| 6 months | |
| APY | 1.01% |
| Relationship APY | 1.02% |
| 12 months | |
| APY | 1.50% |
| Relationship APY | 1.51% |
Bank details checked Nov. 10, 2025
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CD specials
Wells Fargo offers three term lengths for its CD specials: 4, 7, and 11 months. The minimum opening deposit is $5,000 for these improved rates—significantly higher than what you’d need to deposit in a standard CD.
Wells Fargo Bank CD specials
| Term length | APY | Relationship APY |
|---|---|---|
| 4 months | 3.74% | 4.00% |
| 7 months | 3.64% | 3.90% |
| 11 months | 3.50% | 3.76% |
| 4 months | |
|---|---|
| APY | 3.74% |
| Relationship APY | 4.00% |
| 7 months | |
| APY | 3.64% |
| Relationship APY | 3.90% |
| 11 months | |
| APY | 3.50% |
| Relationship APY | 3.76% |
Bank details checked Nov. 10, 2025
Individual retirement account (IRA) CDs
IRA Certificates of Deposit (CDs) offer the same standard and relationship Annual Percentage Yield (APY) as conventional CD rates. You can select CD special terms of 4, 7, or 11 months, or select standard rates in monthly increments ranging from 1 to 144 months. A minimum deposit of $2,500 is required to open a CD special. Standard CDs, however, only require a $1,000 deposit.
You'll face an early withdrawal penalty if you access your funds before their maturity date, and the IRS may also impose a 10% penalty on withdrawals made before you reach age 59½. Consult our guide for a complete understanding of what is an IRA CD.
Wells Fargo Bank IRA special rate CDs
| Term length | APY | Relationship APY |
|---|---|---|
| 4 months | 3.74% | 4.00% |
| 7 months | 3.64% | 3.90% |
| 11 months | 3.50% | 3.76% |
| 4 months | |
|---|---|
| APY | 3.74% |
| Relationship APY | 4.00% |
| 7 months | |
| APY | 3.64% |
| Relationship APY | 3.90% |
| 11 months | |
| APY | 3.50% |
| Relationship APY | 3.76% |
Bank details checked Nov. 10, 2025
Wells Fargo Bank IRA CDs
| Term length | APY | Relationship APY |
|---|---|---|
| 1-2 months | 0.01% | 0.02% |
| 3-5 months | 1.01% | 1.02% |
| 6-11 months | 1.01% | 1.02% |
| 12-23 months | 1.50% | 1.51% |
| 24-35 months | 1.75% (2.25% for deposits of $100K+) | 1.76% (2.27% for deposits of $100K+) |
| 36-47 months | 1.01% (1.50% for deposits of $100K+) | 1.02% (1.51% for deposits of $100K+) |
| 48-59 months | 1.01% (1.50% for deposits of $100K+) | 1.02% (1.51% for deposits of $100K+) |
| 60-71 months | 1.01% (1.50% for deposits of $100K+) | 1.02% (1.51% for deposits of $100K+) |
| 72-144 months | 1.01% (1.50% for deposits of $100K+) | 1.02% (1.51% for deposits of $100K+) |
| 1-2 months | |
|---|---|
| APY | 0.01% |
| Relationship APY | 0.02% |
| 3-5 months | |
| APY | 1.01% |
| Relationship APY | 1.02% |
| 6-11 months | |
| APY | 1.01% |
| Relationship APY | 1.02% |
| 12-23 months | |
| APY | 1.50% |
| Relationship APY | 1.51% |
| 24-35 months | |
| APY | 1.75% (2.25% for deposits of $100K+) |
| Relationship APY | 1.76% (2.27% for deposits of $100K+) |
| 36-47 months | |
| APY | 1.01% (1.50% for deposits of $100K+) |
| Relationship APY | 1.02% (1.51% for deposits of $100K+) |
| 48-59 months | |
| APY | 1.01% (1.50% for deposits of $100K+) |
| Relationship APY | 1.02% (1.51% for deposits of $100K+) |
| 60-71 months | |
| APY | 1.01% (1.50% for deposits of $100K+) |
| Relationship APY | 1.02% (1.51% for deposits of $100K+) |
| 72-144 months | |
| APY | 1.01% (1.50% for deposits of $100K+) |
| Relationship APY | 1.02% (1.51% for deposits of $100K+) |
Bank details checked Nov. 10, 2025
Business CDs
Wells Fargo Business CDs can be a good fit for business owners who want to put their cash reserves to work. Similar to other CD options, you’ll choose between special fixed rate CDs with impressive returns (4-, 7-, and 11-month terms) and standard fixed-rate CDs (from 1-144 months).
CD specials require a minimum deposit of $5,000, while standard rates require $2,500.
In contrast to its personal CDs, Wells Fargo does not promote any enhanced relationship APY for Its Business CDs.
Wells Fargo Bank Business special rate CDs
| Term length | APY |
|---|---|
| 4 months | 4.00% |
| 7 months | 3.64% |
| 11 months | 3.50% |
| 4 months | |
|---|---|
| APY | 4.00% |
| 7 months | |
| APY | 3.64% |
| 11 months | |
| APY | 3.50% |
Bank details checked Nov. 10, 2025
Wells Fargo Bank Business fixed rate CDs
| Term length | APY |
|---|---|
| 1-2 months | 0.01% |
| 3-5 months | 1.01% |
| 6-11 months | 1.01% |
| 12-23 months | 1.50% |
| 24-35 months | 1.75% (2.25% for deposits of $100K+) |
| 36-47 months | 1.01% (1.50% for deposits of $100K+) |
| 48-59 months | 1.01% (1.50% for deposits of $100K+) |
| 60-71 months | 1.01% (1.50% for deposits of $100K+) |
| 72-144 months | 1.01% (1.50% for deposits of $100K+) |
| 1-2 months | |
|---|---|
| APY | 0.01% |
| 3-5 months | |
| APY | 1.01% |
| 6-11 months | |
| APY | 1.01% |
| 12-23 months | |
| APY | 1.50% |
| 24-35 months | |
| APY | 1.75% (2.25% for deposits of $100K+) |
| 36-47 months | |
| APY | 1.01% (1.50% for deposits of $100K+) |
| 48-59 months | |
| APY | 1.01% (1.50% for deposits of $100K+) |
| 60-71 months | |
| APY | 1.01% (1.50% for deposits of $100K+) |
| 72-144 months | |
| APY | 1.01% (1.50% for deposits of $100K+) |
Bank details checked Nov. 10, 2025
A comparison of Wells Fargo Bank with its leading rivals
Wells Fargo's CD rates are decent, even if you don't bank with them. Let's see how they compare to other banks.
 Wells Fargo APY (non-relationship) |  Discover |  Northern Bank Direct |
|---|---|---|
| 3 months | 3 months | 3 months |
| 1.01% | 2.00% | N/A |
| 4 months | 4 months | 4 months |
| 3.74% | N/A | N/A |
| 6 months | 6 months | 6 months |
| 1.01% | 3.50% | 4.00% |
| 7 months | 7 months | 7 months |
| 3.64% | N/A | N/A |
| 9 months | 9 months | 9 months |
| N/A | 3.50% | 3.75% |
| 11 months | 11 months | 11 months |
| 3.50% | N/A | N/A |
| 12 months | 12 months | 12 months |
| 1.50% | 4.05% | 3.25% |
| View offer at Wells Fargo | View offer at Discover | View offer at Northern Bank Direct |
Bank details checked Nov. 10, 2025
Learn more about Wells Fargo Bank
As of this writing, Wells Fargo stands as the fourth-largest bank in the U.S., holding $1.76 trillion in consolidated assets, based on Federal Reserve data. Being a prominent financial institution, Wells Fargo's certificate of deposit (CD) rates are competitive, providing depositors a secure avenue to gain returns on their funds, though they aren't the highest available.
Its savings accounts can also provide remarkably high APY, especially regarding CDs vs. High-yield savings accounts, CDs usually provide a better return rate. However, based on your account balance, you might earn more than some CD terms provide.
When choosing between a Wells Fargo CD vs. A savings account, think about how easily you can get to your funds. CDs usually charge a fee if you take out your money before the term ends, whereas savings accounts let you handle your money more flexibly, generally with a cap of six withdrawals monthly.
Beyond CDs, Wells Fargo provides a broad selection of additional banking services, such as credit cards, checking accounts, mortgages, personal loans, and investment options.