WaFd Bank CD Rates (November 2026) & Calculator

WaFd Bank pays up to 4.10% APY on a 13-month CD. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.

Rates checked Nov 5, 2026FDIC cert #28088

WaFd Bank CD rates (Nov 5, 2026)

Every CD term WaFd Bank lists on its website, with what $10,000 earns over the full term.

WaFd Bank CD rates by term and balance
Term	Product	Minimum	APY	APY at $90,000+	$10,000 earns
1 month	Fixed Rate Certificate of Deposit	$90,000	0.10%	–	$0.83
3 months	Fixed Rate Certificate of Deposit	$1,000	0.05%	0.10%	$1.25
4 months	Fixed Rate Certificate of Deposit	$1,000	0.15%	0.20%	$5.00
6 months	Fixed Rate Certificate of Deposit	$1,000	3.05%	–	$151.35
7 months	7 Month CD SpecialSpecial	$1,000	4.00%	–	$231.42
1 year	Fixed Rate Certificate of Deposit	$1,000	3.00%	–	$300.00
13 months	13 Month CD SpecialSpecial	$1,000	4.10%	–	$444.92
18 months	Fixed Rate Certificate of Deposit	$1,000	0.20%	0.25%	$30.01
19 months	19 Month CD SpecialSpecial	$1,000	3.50%	–	$559.80
2 years	Fixed Rate Certificate of Deposit	$1,000	0.20%	0.25%	$40.04
30 months	30 Month CD SpecialSpecial	$1,000	2.95%	–	$753.90
3 years	Fixed Rate Certificate of Deposit	$1,000	0.20%	0.25%	$60.12
4 years	Fixed Rate Certificate of Deposit	$1,000	0.25%	0.30%	$100.38
5 years	Fixed Rate Certificate of Deposit	$1,000	0.30%	0.35%	$150.90

Special is a promotional rate. Relationship needs a linked account at WaFd Bank. A dash means the same APY as the opening balance. The highlighted row is WaFd Bank's top rate.

Source: WaFd Bank CD rates. Rates change often; confirm before you open an account.

WaFd Bank vs the national average

The FDIC national average is what banks and credit unions pay on average, weighted by deposits (Oct 19, 2026). The last column is the best rate among the 51 other banks we track for the same term.

WaFd Bank CD rates compared with the FDIC national average
Term	WaFd Bank	National avg	Best other bank
1 month	–	0.23%	Western Alliance 0.90%
3 months	0.05%	1.14%	Popular Direct 4.30%
4 months	0.15%	1.14% (3 mo)	Atlantic Union 3.85%
6 months	3.05%	1.39%	Popular Direct 4.35%
7 months	4.00%	1.39% (6 mo)	Associated Bank 4.25%
1 year	3.00%	1.76%	Popular Direct 4.60%
13 months	4.10%	1.76% (12 mo)	CIBC Agility 4.50%
18 months	0.20%	1.76% (12 mo)	Popular Direct 4.80%
19 months	3.50%	1.55% (24 mo)	Synchrony 4.50%
2 years	0.20%	1.55%	E*TRADE 4.80%
30 months	2.95%	1.55% (24 mo)	Sallie Mae 4.50%
3 years	0.20%	1.39%	Popular Direct 4.85%
4 years	0.25%	1.31%	Popular Direct 4.95%
5 years	0.30%	1.41%	Sallie Mae 5.00%

WaFd Bank CD early withdrawal penalty

WaFd Bank early withdrawal penalty by term
Term	Penalty
12 months or less	90 days of interest
more than 12 months and less than 4 years	180 days of interest
4 years or more	365 days of interest

Example: $10,000 in a 1-year CD at 3.00%, withdrawn after 6 months, has earned $148.89. The penalty is $72.89, so you would get $10,076.00.

The penalty can reach your principal if it is more than the interest earned. Official disclosure (checked 2026-11-06).

Taxes on WaFd Bank CD interest

CD interest is taxable as ordinary income, federally and in most states. You owe tax in the year the interest is credited or accrues, even if it stays in the CD until maturity. WaFd Bank sends Form 1099-INT when you earn $10 or more in a year. For example, the $444.92 that $10,000 earns over 13 months at 4.10% would cost about $98 in federal tax in the 22% bracket.

If you pay an early withdrawal penalty, it appears in box 2 of your 1099-INT and you can deduct it from your income, even if you don't itemize. CDs held in an IRA follow IRA tax rules instead. See IRS Publication 550.

How We Calculate & Keep This Accurate

Maturity value is your deposit grown at the APY for the term: A = P × (1 + APY)^(months ÷ 12). The APY for each term is the highest balance tier your deposit qualifies for. Early withdrawal penalties are charged as simple interest on the deposit at the CD's interest rate (the APY converted to its daily rate), following WaFd Bank's published rule for that term.

Rates come from WaFd Bank's own rate page. We use the APY Ledger dataset (CC BY 4.0) to spot rate changes, and we checked a sample of rates and the penalty rules against WaFd Bank's website and disclosures. Results are estimates, not an offer from the bank.

Primary Sources

Data & Freshness

Figures reflect 2026 tax-year data.

Last updated November 5, 2026 · Maintained by the Financial Calculator editorial team.

WaFd Bank CD FAQs

Quick answers about WaFd Bank CD rates and penalties.

What are WaFd Bank's CD rates today?

As of Nov 5, 2026, WaFd Bank's highest CD rate is 4.10% APY on the 13 months 13 Month CD Special. The full list of terms and balance tiers is in the table above.

How much will $10,000 earn in a 13-month WaFd Bank CD?

At 4.10% APY, $10,000 grows to $10,444.92 after 13 months, earning $444.92 in interest. Change the deposit or term in the calculator to see other amounts.

What is WaFd Bank's CD early withdrawal penalty?

12 months or less: 90 days of interest. more than 12 months and less than 4 years: 180 days of interest. 4 years or more: 365 days of interest. If the penalty is more than the interest earned, the rest comes out of your principal.

Are WaFd Bank CDs insured?

WaFd Bank is FDIC-insured (FDIC certificate #28088), so deposits are covered up to $250,000 per depositor, per bank, per ownership category.

How do WaFd Bank's rates compare with the national average?

The FDIC's national average for a 12-month CD was 1.76% as of Oct 19, 2026. WaFd Bank pays 3.00% for 12 months. Its best rate, 4.10% for 13 months, is 2.34 points above the national average for that term.

Compare CD rates at other banks

Best APY at each bank for a $10,000 deposit, checked Nov 5, 2026. WaFd Bank's best is 4.10%.

Green rates beat WaFd Bank's best rate. “rel.” means the rate needs a linked account. Need a bank that isn't listed? Use the CD calculator with any APY.