Wells Fargo CD Rates 2026 — Terms, Minimums, and How to Check Rates

By WealthVieu · Updated
Rates checked October 25, 2026
Part of our CD Guide 2026: Best Rates, Calculators, Laddering & How CDs Work

Wells Fargo sells Special Fixed Rate CDs and Standard Fixed Rate CDs. When we checked Wells Fargo’s CD page on October 2026, it displayed no APYs for either type and told visitors to check back later or call 1-800-869-3557, so this page lists no Wells Fargo CD rate. Get the APY for your term from Wells Fargo before you open one.

What Wells Fargo’s CD page says

  • Rates: both the Special Fixed Rate and the Standard Fixed Rate sections read “Rates are unavailable at this time” on the day we checked.
  • Minimum: $2,500 minimum opening deposit on the Standard Fixed Rate CDs shown online (3-month, 6-month and 1-year).
  • Other terms: additional terms are available at a branch.
  • Special vs standard: a Special Fixed Rate applies to the initial term only. At maturity the CD renews at the Standard Interest Rate and APY in effect that day.
  • Relationship rates: a Relationship Interest Rate is variable. The CD must stay linked to a Prime Checking, Premier Checking or Private Bank Interest Checking account to receive it.
  • Early withdrawal: Wells Fargo says penalties may apply. The page does not state the amount.
  • Grace period: ten calendar days after the maturity date to act before the CD renews.

How a Wells Fargo CD compares

Wells Fargo’s rates are not confirmed here, so the comparison uses published figures you can check yourself. The FDIC’s national average 12-month CD rate was 1.76% in its update dated October 19, 2026. Marcus by Goldman Sachs listed a 12-month CD at 4.40% APY (minimum $500) on October 15, 2026.

On a $10,000 deposit held for 12 months, 1.76% APY earns about $176 and 4.40% APY earns about $440. These are simple APY arithmetic, not a Wells Fargo quote. Compare Wells Fargo’s APY for your term against both before you commit.

Who might consider a Wells Fargo CD

May suit:

  • Existing Wells Fargo customers who want to keep savings at one bank
  • Savers who have a linked Prime, Premier or Private Bank Interest Checking account and qualify for a relationship rate

Consider alternatives if:

  • Wells Fargo’s quoted APY for your term is below what online banks offer
  • You have less than $2,500 to deposit
  • You want to see rates online before you call or visit a branch

More: Wells Fargo Guide

WealthVieu
Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

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