Wells Fargo CD Rates (November 2026) & Calculator

Wells Fargo pays up to 4.25% APY on an 11-month CD. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.

Rates checked Nov 3, 2026FDIC cert #3511Rates for New York, NY (ZIP 10001)

Deposit Amount

$0$250K

Rate Type

Term

11 months3.99% APY

3 months15 months

Wells Fargo offers 7 terms. The slider stops at each one.

APY

11 month Special Fixed Rate CD (special) · $5,000 minimum

Value at maturity

$10,365.15

3.99% APY · 11 mo · Wells Fargo

Interest earned

$365.15

vs national average

+$203.93

FDIC 1 yr avg 1.76% (Oct 19, 2026)

Capital One pays 4.50% for 11 mo: $10,411.74, or $46.59 more.

Wells Fargo CD rates (Nov 3, 2026)

Every CD term Wells Fargo lists on its website, with what $10,000 earns over the full term. Rates are for New York, NY (ZIP 10001); Wells Fargo prices CDs by location, so check yours on its site.

Wells Fargo CD rates by term and balance
Term	Product	Minimum	APY	$10,000 earns
3 months	3 month Standard Fixed Rate CDRelationship	$2,500	0.06%	$1.50
3 months	3 month Standard Fixed Rate CD	$2,500	0.05%	$1.25
4 months	4 month Special Fixed Rate CDRelationship	$5,000	3.50%	$115.33
4 months	4 month Special Fixed Rate CDSpecial	$5,000	3.24%	$106.85
6 months	6 month Standard Fixed Rate CDRelationship	$2,500	0.06%	$3.00
6 months	6 month Standard Fixed Rate CD	$2,500	0.05%	$2.50
7 months	7 month Special Fixed Rate CDRelationship	$5,000	4.10%	$237.16
7 months	7 month Special Fixed Rate CDSpecial	$5,000	3.84%	$222.24
11 months	11 month Special Fixed Rate CDRelationship	$5,000	4.25%	$388.90
11 months	11 month Special Fixed Rate CDSpecial	$5,000	3.99%	$365.15
1 year	1 year Standard Fixed Rate CDRelationship	$2,500	1.51%	$151.00
1 year	1 year Standard Fixed Rate CD	$2,500	1.50%	$150.00
15 months	15 month Special Fixed Rate CDRelationship	$5,000	4.00%	$502.48
15 months	15 month Special Fixed Rate CDSpecial	$5,000	3.74%	$469.67

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

Source: Wells Fargo CD rates. Rates change often; confirm before you open an account.

Wells Fargo 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 8 other banks we track for the same term.

Wells Fargo CD rates compared with the FDIC national average
Term	Wells Fargo	National avg	Best other bank
3 months	0.06%	1.14%	Ally 2.90%
4 months	3.50%	1.14% (3 mo)	Citi 2.00%
6 months	0.06%	1.39%	Ally 4.00%
7 months	4.10%	1.39% (6 mo)	Citi 4.00%
11 months	4.25%	1.76% (12 mo)	Capital One 4.50%
1 year	1.51%	1.76%	Ally 4.50%
15 months	4.00%	1.76% (12 mo)	PenFed 3.20%

Wells Fargo CD early withdrawal penalty

Wells Fargo early withdrawal penalty by term
Term	Penalty
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: $10,000 in a 1-year CD at 1.50%, withdrawn after 6 months, has earned $74.72. The penalty is $37.22, so you would get $10,037.50.

The penalty can reach your principal. Official disclosure (checked 2026-11-04).

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 Wells Fargo's published rule for that term.

Rates come from Wells Fargo'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 Wells Fargo'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 3, 2026 · Maintained by the Financial Calculator editorial team.

Wells Fargo CD FAQs

Quick answers about Wells Fargo CD rates and penalties.

What are Wells Fargo's CD rates today?

As of Nov 3, 2026, Wells Fargo's highest CD rate is 4.25% APY on the 11 months 11 month Special Fixed Rate CD (relationship rate). The full list of terms and balance tiers is in the table above. Rates are shown for New York, NY (ZIP 10001) and can differ where you live.

How much will $10,000 earn in a Wells Fargo 11 months CD?

At 4.25% APY, $10,000 grows to $10,388.90 after 11 months, earning $388.90 in interest. Change the deposit or term in the calculator to see other amounts.

What is Wells Fargo's CD early withdrawal penalty?

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. If the penalty is more than the interest earned, the rest comes out of your principal.

Are Wells Fargo CDs insured?

Wells Fargo Bank, N.A. is FDIC-insured (FDIC certificate #3511), so deposits are covered up to $250,000 per depositor, per bank, per ownership category.

How do Wells Fargo'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. Wells Fargo pays 1.50% for 12 months. Its best rate, 4.25% for 11 months, is 2.49 points above the national average for that term.

CD rates at other banks

Top APY at each bank for a $10,000 deposit.