Wells Fargo CD rates 2025: How to qualify for the best returns
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.
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 what you need to know about Wells Fargo CD rates and which to consider opening for the biggest return.
All rates and fees are current as of Nov. 10, 2025, and are subject to change.
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Best CD Rates for December 12, 2025 ZIP Code Deposit Amount $Min. Term Length 6 months
1 months 6 months 1 year 18 months 2 years 3 years Max. Term Length 3 years
6 months 1 year 18 months 2 years 3 years 4 years 5 years 6 years FEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...
Wells Fargo Bank CD rates and products Wells Fargo offers a variety of CDs, from standard CDs with myriad term lengths to specialty CDs with promotional, limited-time rates. You can get the absolute best APY if you have either a Prime Checking, Premier Checking, or Private Bank Interest Checking account.
Just note that rates may vary slightly depending on your region.
Standard CDs Available online are three-, six-, and 12-month CD terms, although more terms are available if you stop into a branch. You’ll need at least $2,500 on hand to deposit to open a standard CD.
Wells Fargo Bank standard CD features Minimum opening deposit $2,500 Early withdrawal penalty – Terms less than three months (or 90 days): 1 month’s interest Partial withdrawals permitted Yes (for a fee) Additional deposits permitted No Automatic renewal Into new fixed CD of same term length Renewal grace period 10 days
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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Discover the highest high-yield savings rates, up to 5% for December 11, 2025. Discover the highest CD rates, up to 4.18% for December 11, 2025. Discover the current mortgage rates for December 11, 2025. Discover current refi mortgage rates report for December 11, 2025. Discover current ARM mortgage rates report for December 11, 2025. Discover the current price of gold for December 11, 2025. Discover the current price of silver for December 11, 2025. 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 special CD features Minimum opening deposit $5,000 Early withdrawal penalty – Terms less than three months (or 90 days): 1 month’s interest- Terms of 90-365 days: 3 months’ interest- Terms of 12-24 months: 6 months’ interest- Terms over 24 months: 12 months’ interest Partial withdrawals permitted Yes (for a fee) Additional deposits permitted No Automatic renewal Into new CD with a term between 3 and 6 months Renewal grace period 10 days
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 CDs come with the same standard and relationship APY as regular CD rates. You can choose CD special terms from 4, 7, and 11 months, or you can opt for standard rates in monthly increments from 1-144. To open a CD special, you’ll need to deposit a minimum of $2,500. Standard CDs require just $1,000.
Note that you’re subject to an early withdrawal penalty when touching your money before it matures, but you may also receive a 10% penalty from the IRS if withdrawing funds before you turn 59½. Read our explainer to fully understand just what is an IRA CD.
Wells Fargo Bank IRA CD features Minimum opening deposit – $1,000 for standard fixed rate CDs Early withdrawal penalty – Terms less than three months (or 90 days): 1 month’s interest Partial withdrawals permitted Yes (for a fee) Additional deposits permitted No Automatic renewal – Standard IRA CDs will renew to the same term length Renewal grace period 10 days
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
SponsoredAdvertiser Disclosure Advertiser Disclosure:Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).
Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
Quontic Bank : Certificate of DepositMember FDICProduct DisclosureProduct DisclosureWithdrawals before the maturity date are subject to penalties Quontic Bank : Certificate of DepositAnnual Percentage YieldTerm LengthMin. DepositRates as of 12/12/2025on Quontic Bank's website3.75%6 mos$500View Details
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border-bottom: 1px solid #D0E0EE; padding-bottom: 25px; } #lhrKjzVJWCwwwodV .sh-first-product .sh-cta-container { padding-top: 0px; } #lhrKjzVJWCwwwodV .mobile-bottom-container { display: flex; justify-content: space-evenly; margin: 20px 0 0 0; } #lhrKjzVJWCwwwodV .mobile-bottom-container .sh-fdic-insured { padding: 0; } } @media only screen and (max-width : 370px) { #lhrKjzVJWCwwwodV .sh-first-product .sh-row-sub-container span.sh-row-value { font: normal normal bold 25px/30px Roboto; } } #lhrKjzVJWCwwwodV.box750.device-desktop img.logo-image { max-width: 75%; } #lhrKjzVJWCwwwodV.sh-box750.device-desktop .sh-row2-container { flex: 0 0 170px; } #lhrKjzVJWCwwwodV.box750.device-desktop .sh-row-product-title { flex: 0 0 36%; } #lhrKjzVJWCwwwodV.box750.device-desktop .sh-row-product-title.sh-date { margin-right: 4px; } #lhrKjzVJWCwwwodV.box750.device-desktop .sh-first-product .sh-btn__text, #lhrKjzVJWCwwwodV.box750.device-desktop .sh-btn__text { width: 140px; } #lhrKjzVJWCwwwodV.box800.device-desktop .sh-first-product .sh-btn__text, #lhrKjzVJWCwwwodV.box800.device-desktop .sh-btn__text { width: 150px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-m-hide, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-m-hide, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-m-hide { display: none !important; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .seeMoreTerms, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .seeMoreTerms, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .seeMoreTerms { max-width: 400px; margin-left: auto; margin-right: auto; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .logo-image-wrapper, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .logo-image-wrapper, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .logo-image-wrapper { max-width: 200px; min-height: unset; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-row-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-row-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-row-container { flex: 0 0 100%; order: 2; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-row-sub-container .sh-title-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-row-sub-container .sh-title-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-row-sub-container .sh-title-container { display: flex; margin-bottom: 15px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop #sh-header-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop #sh-header-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop #sh-header-container { padding: 0 20px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-d-hide, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-d-hide, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-d-hide { display: block !important; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-listing-content-wrapper, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-listing-content-wrapper, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-listing-content-wrapper { display: block; padding: 20px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-promo .sh-promo-text, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-promo .sh-promo-text, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-promo .sh-promo-text { font: normal normal normal 16px/25px Roboto; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-btn__text, #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-first-product .sh-btn__text, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-btn__text, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-first-product .sh-btn__text, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-btn__text, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-first-product .sh-btn__text { width: 100%; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-fdic-insured, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-fdic-insured, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-fdic-insured { padding: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .product-details-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .product-details-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .product-details-container { display: block; max-width: 400px; margin: auto; border-bottom: 0; margin-top: 25px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-first-product .product-details-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-first-product .product-details-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-first-product .product-details-container { margin-top: 0px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-title, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-title, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-title { font: normal normal bold 16px/24px Roboto; margin: 15px auto; text-align: left; max-width: 400px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-promo, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-promo, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-promo { max-width: 400px; margin: 0 auto 20px; text-align: left; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-promo-offer-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-promo-offer-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-promo-offer-container { max-width: 400px; margin: auto; padding-top: 15px; align-items: baseline; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value { font-size: 20px; padding: 15px 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-title-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-title-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-title-container { display: flex; margin-bottom: 15px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-first-product .sh-title-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-first-product .sh-title-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-first-product .sh-title-container { flex-flow: row wrap; align-items: flex-start; height: 60px; margin-bottom: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-first-product .sh-row2-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-first-product .sh-row2-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-first-product .sh-row2-container { display: block !important; order: 1; height: 30px; flex: 0 0 100%; background-color: #E8EDF1; padding-top: 8px; box-sizing: border-box; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-fdic-dis-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-fdic-dis-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-fdic-dis-container { display: flex; justify-content: space-between; max-width: 400px; margin: auto; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-cta-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-cta-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-cta-container { padding-right: 0; padding-top: 8px; box-sizing: border-box; padding-top: 15px; border-bottom: 1px solid #D0E0EE; padding-bottom: 25px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-first-product .sh-cta-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-first-product .sh-cta-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-first-product .sh-cta-container { padding-top: 0px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .mobile-bottom-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .mobile-bottom-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .mobile-bottom-container { display: flex; justify-content: space-evenly; margin: 20px 0 0 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .mobile-bottom-container .sh-fdic-insured, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .mobile-bottom-container .sh-fdic-insured, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .mobile-bottom-container .sh-fdic-insured { padding: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-first-product .sh-title-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-first-product .sh-title-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-first-product .sh-title-container { height: 72px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-row-container .sh-row-product-title, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-row-container .sh-row-product-title, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-row-container .sh-row-product-title { padding-top: 8px; padding-left: 2px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-first-product .sh-title-container .sh-row-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-first-product .sh-title-container .sh-row-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-first-product .sh-title-container .sh-row-container { height: 42px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title { padding: 0; } #lhrKjzVJWCwwwodV.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; padding: 0 15px; } #lhrKjzVJWCwwwodV.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 0px; width: 163px; } #lhrKjzVJWCwwwodV.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } @media only screen and (max-width : 767px) { #lhrKjzVJWCwwwodV.poweredByMBT .sh-widget-footer-MBT { padding: 0 20px; } } #lhrKjzVJWCwwwodV.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #lhrKjzVJWCwwwodV.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #lhrKjzVJWCwwwodV.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } #lhrKjzVJWCwwwodV .sh-row-container.sh-apy-value { height: 24px; } #lhrKjzVJWCwwwodV .sh-title-container { height: 45px; } #lhrKjzVJWCwwwodV .sh-row-product-title { padding-top: 10px; } @media only screen and (max-width: 850px) { #lhrKjzVJWCwwwodV .sh-row-product-title { padding-top: 8px; } } @media only screen and (max-width: 767px) { #lhrKjzVJWCwwwodV .sh-first-product .sh-title-container { height: 72px; } #lhrKjzVJWCwwwodV .sh-row-container .sh-row-product-title { padding-top: 8px; padding-left: 2px; } #lhrKjzVJWCwwwodV .sh-first-product .sh-title-container .sh-row-container { height: 42px; } #lhrKjzVJWCwwwodV .sh-first-product .sh-row2-container .sh-row-product-title { padding: 0; } } @media only screen and (max-width: 480px) { #lhrKjzVJWCwwwodV .sh-row-container .sh-apy-value { flex: 0 0 32%; } } @media only screen and (max-width: 380px) { #lhrKjzVJWCwwwodV .sh-row-container .sh-apy-value { flex: 0 0 35%; } } @media only screen and (max-width: 348px) { #lhrKjzVJWCwwwodV .sh-row-container .sh-apy-value { flex: 0 0 40%; } } #lhrKjzVJWCwwwodV .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #lhrKjzVJWCwwwodV.loadingMessage .sh-loading-msg { display: block; } #lhrKjzVJWCwwwodV.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media only screen and (max-width: 767px) { #lhrKjzVJWCwwwodV .sh-loading-msg { font-size: 18px; } } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-listing-container { padding: 20px 34px 20px 30px; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-apy-value, #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-term-length, #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-min-dep { color: #5C666E; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 45px; justify-content: space-evenly; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-container { align-items: center; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 15px; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title { height: auto; min-height: 15px; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 20px; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-date { color: #5C666E; padding-top: 12px; } #lhrKjzVJWCwwwodV .sh-row-product-title.sh-bank-name { display: none; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: italic; font-size: 12px; color: #5c666e; margin-right: 15px; padding: 1px 0 10px 0; display: block; font-weight: 300; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title { padding: 0; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .product-details-container { justify-content: space-evenly; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-cta-container { padding-right: 0; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges #sh-header-container { padding: 0 15px; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .shmktpl-disclosure-button { line-height: 22px; } /* Tablet View (768px to 1024px) */ @media (max-width: 1024px) { #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-listing-container { padding: 12px 26px 10px 22px; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 24px; } } /* Mobile View (Below 768px) */ @media (max-width: 767px) { #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-listing-container { padding: 5px 20px 10px 16px; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 16px; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-cta-container { padding-bottom: 45px; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: absolute; top: 176px; margin-right: 0; width: 100%; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-first-product .sh-row2-container { position: relative; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-date { padding-top: 0; } } @media (max-width: 370px){ #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-bank-name{ top: 214px; } } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.cdBankingDesignChanges .sh-listing-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop.cdBankingDesignChanges .sh-listing-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop.cdBankingDesignChanges .sh-listing-container { padding: 5px 20px 10px 16px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #lhrKjzVJWCwwwodV.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #lhrKjzVJWCwwwodV.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper, #lhrKjzVJWCwwwodV.sh-box650.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper, #lhrKjzVJWCwwwodV.sh-box700.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 16px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.cdBankingDesignChanges .sh-cta-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop.cdBankingDesignChanges .sh-cta-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop.cdBankingDesignChanges .sh-cta-container { padding-bottom: 45px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name, #lhrKjzVJWCwwwodV.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name, #lhrKjzVJWCwwwodV.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: absolute; top: 176px; margin-right: 0; width: 100%; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container { position: relative; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #lhrKjzVJWCwwwodV.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #lhrKjzVJWCwwwodV.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date { padding-top: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-first-product .sh-row2-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-first-product .sh-row2-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-first-product .sh-row2-container { background-color: #D6D4FF; } #lhrKjzVJWCwwwodV .sh-gb-banner.sh-promo { display: none !important; } #lhrKjzVJWCwwwodV.gbBanner .sh-gb-banner.sh-promo.sh-m-hide { display: block !important; } @media only screen and (max-width: 767px) { #lhrKjzVJWCwwwodV.gbBanner .sh-gb-banner.sh-promo.sh-m-hide { display: none !important; } #lhrKjzVJWCwwwodV.gbBanner .sh-gb-banner.sh-promo.sh-d-hide { display: block !important; } } #lhrKjzVJWCwwwodV.hidePromoText .sh-listing-content-wrapper .sh-promo{ display: none; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-listing-content-wrapper{ margin-bottom: 24px; display: flex; padding: 30px 15px 20px 15px; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-logo{ flex: 0 0 20%; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-main-container{ flex: 0 0 77%; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .logo-image-wrapper{ max-width: 137px; min-height: 90px; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges img.logo-image{ max-width: 75%; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-row-container{ flex: 0 0 67%; order: unset; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-row-product-title{ flex: 0 0 36%; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-row-product-title.sh-date{ margin-right: 4px; padding-top: 12px; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-first-product .sh-btn__text, #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-btn__text{ width: 140px; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges #sh-header-container{ padding: 0 15px; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-d-hide{ display: none !important; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-m-hide{ display: block !important; 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} #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-fdic-insured{ padding: 20px 0 7px 0; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-fdic-insured .sh-icon svg, #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-fdic-insured .sh-icon svg{ vertical-align: unset; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-listing-content-wrapper{ display: block; padding: 20px; margin-bottom: 16px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .logo-image-wrapper{ max-width: 200px; min-height: unset; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges img.logo-image{ max-width: inherit; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-d-hide { display: block !important; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-title{ font: normal normal bold 16px / 24px Roboto; margin: 15px auto; text-align: left; max-width: 400px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-fdic-dis-container{ display: flex; justify-content: space-between; max-width: 400px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-fdic-insured{ padding: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-m-hide { display: none !important; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .product-details-container{ display: block; max-width: 400px; margin: auto; border-bottom: 0; margin-top: 25px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-first-product .sh-title-container{ flex-flow: row wrap; align-items: flex-start; margin-bottom: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-row-container{ flex: 0 0 100%; order: 2; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-first-product .sh-title-container .sh-row-container{ height: 42px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-row-container .sh-row-product-title{ padding: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-row-product-title{ flex: 0 0 27%; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-row-container .sh-apy-value{ flex: 0 0 32%; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-first-product .sh-row2-container{ display: block !important; order: 1; height: 30px; flex: 0 0 100%; padding-top: 8px; box-sizing: border-box; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-row-product-title.sh-date{ margin-right: 0; padding-top: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-row-product-title.sh-bank-name{ position: absolute; top: 176px; margin-right: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-first-product .sh-row-sub-container span.sh-row-value{ font-size: 20px; padding: 15px 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-cta-container{ padding: 15px 0 45px; box-sizing: border-box; border-bottom: 1px solid #D0E0EE; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-first-product .sh-cta-container{ padding: 0 0 45px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-first-product .sh-btn__text, #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-btn__text{ width: 100%; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-title-container{ display: flex; margin-bottom: 15px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-promo{ margin: 0 auto 20px } #qsWidgetContainer176, #qsWidgetContainer176 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer176 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer176 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer176 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer176 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer176 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer176 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer176 .listing:first-child { margin-top: 0; } #qsWidgetContainer176 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer176 .logo-column.flex-container, #qsWidgetContainer176 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer176 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer176 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer176 .apy-label, #qsWidgetContainer176 .curDate, #qsWidgetContainer176 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer176 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer176 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer176 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; 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font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer176 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer176 #sh-star-icon { top: -2px; } #qsWidgetContainer176 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer176 #see_more_carrier, #qsWidgetContainer176 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer176 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer176 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer176 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer176 .shmktpl-sponsored, #qsWidgetContainer176 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer176 .sh-logo { flex-shrink: 1; } #qsWidgetContainer176 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer176 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer176 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer176 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer176 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer176 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer176 .sh-first-product .sh-btn__text, #qsWidgetContainer176 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer176 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer176 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; 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font-weight: 600; } }
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.
However, unlike with its personal CDs, Wells Fargo doesn’t advertise any increased relationship APY for its Business CDs.
Wells Fargo Bank Business CD features Minimum opening deposit – $2,500 for standard fixed rate CDs- $5,000 for special rate CDs Early withdrawal penalty (less than 90 days) – Terms less than three months (or 90 days): 1 month’s interest Partial withdrawals permitted Yes (for a fee) Additional deposits permitted No Automatic renewal – Standard Business CDs will renew to the same term length Renewal grace period 10 days
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
Compare Wells Fargo Bank to top competitors Even without a Wells Fargo relationship, its CD rates are respectable. Here’s how Wells Fargo stacks up against its competition.
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 View offer View offer
Bank details checked Nov. 10, 2025
Learn more about Wells Fargo Bank Wells Fargo is the fourth largest bank in the U.S. as of this writing, with $1.76 trillion in consolidated assets, according to numbers released by the Federal Reserve. As a leading financial institution, Wells Fargo certificate of deposit (CD) rates are competitive and offer a way for depositors to earn a secure return on their investments—even if they’re not the best we’ve ever seen.
Its savings accounts can also deliver notably high APY. In terms of CDs vs. high-yield savings accounts, CDs will typically offer a superior return rate. But depending on your account balance, you could earn a more generous than some CD terms offer.
Another consideration when trying to decide between a Wells Fargo CD vs. a savings account is the access you’ll have to your money. CDs typically penalize you for withdrawing your money before maturity—while savings accounts allow you to more freely manage your money, often with a limit of six withdrawals per month.
In addition to CDs, Wells Fargo offers a wide variety of other banking products, including credit cards, checking, mortgages, personal loans, and investments.
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Wells Fargo CD rates 2025: How to qualify for the best returns 
