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Chase vs Wells Fargo CD Rates (November 2026)
On a 1-year CD, $10,000 earns $100.00 more at Wells Fargo than at Chase. The full term-by-term breakdown is below.
Updated Nov 7, 2026
The verdict: Chase vs Wells Fargo
Wells Fargo pays the higher APY on 5 of the 7 terms both banks offer for a $10,000 deposit. Chase leads on 2.
At the headline 1 year term, Wells Fargo pays 1.50% APY against 0.50% at Chase, a $100.00 difference on $10,000. Each bank's best offer right now: Chase pays up to 3.50% (8 months, relationship) and Wells Fargo up to 4.25% (11 months, relationship).
The rate is only half the decision. Chase and Wells Fargo charge different penalties if you break the CD early — compared below — and Both are federally insured up to $250,000 per depositor, so safety is equal under the limit.
Chase vs Wells Fargo CD rates by term
Best APY a $10,000 deposit can open at each bank, for every term either bank lists. A dash means the bank has no fundable offer at that term and deposit; we leave it blank rather than guess. "Rel." marks a relationship rate that needs a linked account.
| Term | Chase | Wells Fargo | Better pick |
|---|---|---|---|
| 1 month | 0.02% (rel.) | – | – |
| 2 months | 0.50% (rel.) | – | – |
| 3 months | 0.50% (rel.) | 0.05% | Chase |
| 4 months | 1.75% (rel.) | 3.24% | Wells Fargo |
| 5 months | 0.50% (rel.) | – | – |
| 6 months | 2.25% (rel.) | 0.05% | Chase |
| 7 months | 2.25% (rel.) | 3.84% | Wells Fargo |
| 8 months | 3.50% (rel.) | – | – |
| 9 months | 0.50% (rel.) | – | – |
| 10 months | 1.50% (rel.) | – | – |
| 11 months | 2.50% (rel.) | 3.99% | Wells Fargo |
| 1 year | 0.50% (rel.) | 1.50% | Wells Fargo |
| 13 months | 3.20% (rel.) | – | – |
| 14 months | 0.50% (rel.) | – | – |
| 15 months | 2.00% (rel.) | 3.74% | Wells Fargo |
| 18 months | 2.00% (rel.) | – | – |
| 21 months | 2.00% (rel.) | – | – |
| 2 years | 2.00% (rel.) | – | – |
| 30 months | 2.00% (rel.) | – | – |
| 3 years | 2.00% (rel.) | – | – |
| 42 months | 2.00% (rel.) | – | – |
| 4 years | 2.00% (rel.) | – | – |
| 5 years | 2.00% (rel.) | – | – |
| 7 years | 2.00% (rel.) | – | – |
| 10 years | 2.00% (rel.) | – | – |
Sources: Chase CD rates (checked Nov 7, 2026) and Wells Fargo CD rates (checked Nov 7, 2026).
What $10,000 earns at each bank
Interest over the full term at the rates above, on the 7 terms both banks offer.
| Term | Chase earns | Wells Fargo earns | Difference |
|---|---|---|---|
| 3 months | $12.48 at 0.50% | $1.25 at 0.05% | Chase +$11.23 |
| 4 months | $58.00 at 1.75% | $106.85 at 3.24% | Wells Fargo +$48.86 |
| 6 months | $111.87 at 2.25% | $2.50 at 0.05% | Chase +$109.37 |
| 7 months | $130.64 at 2.25% | $222.24 at 3.84% | Wells Fargo +$91.60 |
| 11 months | $228.93 at 2.50% | $365.15 at 3.99% | Wells Fargo +$136.22 |
| 1 year | $50.00 at 0.50% | $150.00 at 1.50% | Wells Fargo +$100.00 |
| 15 months | $250.62 at 2.00% | $469.67 at 3.74% | Wells Fargo +$219.04 |
a 1-year CD earnings by deposit size
Balance tiers mean the APY can change with the deposit. This is what 1 year CDs pay at four deposit sizes.
| Deposit | Chase earns | Wells Fargo earns |
|---|---|---|
| $1,000 | $5.00 at 0.50% | – |
| $10,000 | $50.00 at 0.50% | $150.00 at 1.50% |
| $25,000 | $125.00 at 0.50% | $375.00 at 1.50% |
| $100,000 | $500.00 at 0.50% | $1,500.00 at 1.50% |
A dash means that deposit does not qualify for the bank's 1 year offer (minimum opening deposit or a product cap).
Early withdrawal penalties compared
| Term | Chase | Wells Fargo |
|---|---|---|
| Less than 6 months | 90 days of interest | – |
| 6 to 23 months | 180 days of interest | – |
| 24 months or more | 365 days of interest | – |
| Less than 3 months | – | 1 month of interest |
| 3 to 12 months | – | 3 months of interest |
| Over 12 through 24 months | – | 6 months of interest |
| Over 24 months | – | 12 months of interest |
Example: break a 1-year $10,000 CD after 6 months and Chase charges $24.60 (you keep $10,000.37) while Wells Fargo charges $37.22 (you keep $10,037.50). Chase caps the penalty at the interest earned. At Wells Fargo the penalty can reach your principal.
Rules verified against each bank's disclosure (Chase: checked 2026-11-04; Wells Fargo: checked 2026-11-04). Model your own deposit and withdrawal date on the CD early withdrawal penalty calculator.
Chase vs Wells Fargo CD FAQs
Quick answers comparing Chase and Wells Fargo CDs.
Which pays more, Chase or Wells Fargo?
How much more does $10,000 earn at Wells Fargo over 1 year?
Chase or Wells Fargo: which is better for a 15-month CD?
Which has the lower early withdrawal penalty, Chase or Wells Fargo?
Are Chase and Wells Fargo CDs insured?
Are these the best CD rates available?
Sources and how we calculate
Rates come from each bank's own rate page (Chase checked Nov 7, 2026, Wells Fargo checked Nov 7, 2026); penalty rules are verified against the banks' disclosures. Earnings grow the deposit at the APY, the same math the bank pages and calculators on this site use. Results are estimates, not an offer from either bank.
Figures last checked on Nov 7, 2026. Read our calculation methodology for data sources and update schedule.