Citi vs Wells Fargo CD Rates (November 2026)

On a 1-year CD, $10,000 earns $275.00 more at Citi than at Wells Fargo. The full term-by-term breakdown is below.

Citi rates checked Nov 6, 2026Wells Fargo rates checked Nov 7, 2026FDIC / FDIC insured

Updated Nov 7, 2026

The verdict: Citi vs Wells Fargo

Split decision: for a $10,000 deposit, each bank pays the higher APY on 3 of the 7 terms both offer (they tie on 1).

At the headline 1 year term, Citi pays 4.25% APY against 1.50% at Wells Fargo, a $275.00 difference on $10,000. Each bank's best offer right now: Citi pays up to 4.25% (1 year) and Wells Fargo up to 4.25% (11 months, relationship).

The rate is only half the decision. Citi 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.

Citi 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.

Citi and Wells Fargo CD rates by term for a $10,000 deposit
Term	Citi	Wells Fargo	Better pick
3 months	0.05%	0.05%	Tie
4 months	2.00%	3.24%	Wells Fargo
5 months	2.50%	–	–
6 months	2.00%	0.05%	Citi
7 months	4.00%	3.84%	Citi
8 months	2.00%	–	–
9 months	2.00%	–	–
10 months	0.05%	–	–
11 months	0.05%	3.99%	Wells Fargo
1 year	4.25%	1.50%	Citi
13 months	2.00%	–	–
14 months	0.10%	–	–
15 months	2.00%	3.74%	Wells Fargo
18 months	2.00%	–	–
2 years	2.00%	–	–
30 months	0.50%	–	–
3 years	2.00%	–	–
4 years	2.00%	–	–
5 years	2.00%	–	–

Sources: Citi CD rates (checked Nov 6, 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.

Interest earned on $10,000 at Citi vs Wells Fargo, by term
Term	Citi earns	Wells Fargo earns	Difference
3 months	$1.25 at 0.05%	$1.25 at 0.05%	Tie
4 months	$66.23 at 2.00%	$106.85 at 3.24%	Wells Fargo +$40.63
6 months	$99.50 at 2.00%	$2.50 at 0.05%	Citi +$97.01
7 months	$231.42 at 4.00%	$222.24 at 3.84%	Citi +$9.18
11 months	$4.58 at 0.05%	$365.15 at 3.99%	Wells Fargo +$360.57
1 year	$425.00 at 4.25%	$150.00 at 1.50%	Citi +$275.00
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.

1 year CD interest at Citi vs Wells Fargo, by deposit size
Deposit	Citi earns	Wells Fargo earns
$1,000	$42.50 at 4.25%	–
$10,000	$425.00 at 4.25%	$150.00 at 1.50%
$25,000	$1,062.50 at 4.25%	$375.00 at 1.50%
$100,000	$4,250.00 at 4.25%	$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

Citi and Wells Fargo early withdrawal penalties by term
Term	Citi	Wells Fargo
1 year or less	90 days of interest	–
More than 1 year	180 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 Citi charges $102.63 (you keep $10,107.65) while Wells Fargo charges $37.22 (you keep $10,037.50). At Citi the penalty can reach your principal. At Wells Fargo the penalty can reach your principal.

Rules verified against each bank's disclosure (Citi: checked 2026-11-04; Wells Fargo: checked 2026-11-04). Model your own deposit and withdrawal date on the CD early withdrawal penalty calculator.

More CD comparisons

All CD bank comparisons · Citi CD calculator · Wells Fargo CD calculator · CD ladder calculator

Citi vs Wells Fargo CD FAQs

Quick answers comparing Citi and Wells Fargo CDs.

Which pays more, Citi or Wells Fargo?

Split decision: for a $10,000 deposit, each bank pays the higher APY on 3 of the 7 terms both offer (they tie on 1). On a 1-year CD, $10,000 earns $425.00 at Citi (4.25%) and $150.00 at Wells Fargo (1.50%). Rates were checked Nov 6, 2026 for Citi and Nov 7, 2026 for Wells Fargo and change often.

How much more does $10,000 earn at Citi over 1 year?

Citi pays $275.00 more interest than Wells Fargo on a $10,000 1 year CD (4.25% vs 1.50% APY). Bigger deposits widen the gap at the same APY, though balance tiers can change the rate each bank pays.

Citi or Wells Fargo: which is better for a 15-month CD?

Citi pays 2.00% APY and Wells Fargo pays 3.74% APY on a 15-month term, so $10,000 earns $250.62 at Citi and $469.67 at Wells Fargo — a $219.04 difference. Long terms lock the rate in, so the early withdrawal penalty matters more: Citi charges 90 days of interest and Wells Fargo charges 3 months of interest on that term.

Which has the lower early withdrawal penalty, Citi or Wells Fargo?

On a 1-year CD withdrawn after 6 months, Citi's penalty is $102.63 and Wells Fargo's is $37.22, from rules verified against each bank's disclosure. Citi: 1 year or less: 90 days of interest; More than 1 year: 180 days of interest. Wells Fargo: 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. Model your own deposit and withdrawal date on the CD early withdrawal penalty calculator.

Are Citi and Wells Fargo CDs insured?

Citibank, N.A. is FDIC-insured (certificate #7213) and Wells Fargo Bank, N.A. is FDIC-insured (certificate #3511). Both cover deposits up to $250,000 per depositor, per institution, per ownership category, so a CD under that limit carries the same federal protection at either.

Are these the best CD rates available?

Not necessarily. The highest 1 year rate among the banks we track is 4.60% at Sallie Mae, versus 4.25% at Citi and 1.50% at Wells Fargo. Check the CD rates by bank directory on the CD calculator page for the full list.

Sources and how we calculate

Rates come from each bank's own rate page (Citi checked Nov 6, 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.