Western Alliance CD Rates (November 2026) & Calculator

Western Alliance pays up to 3.48% APY on a 3-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 #57512

Western Alliance CD rates (Nov 5, 2026)

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

Western Alliance CD rates by term and balance
Term	Product	Minimum	APY	$10,000 earns
1 month	Standard consumer CD	$1,000	0.90%	$7.47
3 months	Standard consumer CD	$1,000	3.48%	$85.89
6 months	Standard consumer CD	$1,000	2.52%	$125.22
1 year	Standard consumer CD	$1,000	2.78%	$278.00
18 months	Standard consumer CD	$1,000	1.21%	$182.05
2 years	Standard consumer CD	$1,000	1.26%	$253.59
3 years	Standard consumer CD	$1,000	1.26%	$382.78
4 years	Standard consumer CD	$1,000	1.26%	$513.61
5 years	Standard consumer CD	$1,000	1.26%	$646.08

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

Source: Western Alliance CD rates. Rates change often; confirm before you open an account.

Western Alliance 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.

Western Alliance CD rates compared with the FDIC national average
Term	Western Alliance	National avg	Best other bank
1 month	0.90%	0.23%	Huntington 0.25%
3 months	3.48%	1.14%	Popular Direct 4.30%
6 months	2.52%	1.39%	Popular Direct 4.35%
1 year	2.78%	1.76%	Popular Direct 4.60%
18 months	1.21%	1.76% (12 mo)	Popular Direct 4.80%
2 years	1.26%	1.55%	E*TRADE 4.80%
3 years	1.26%	1.39%	Popular Direct 4.85%
4 years	1.26%	1.31%	Popular Direct 4.95%
5 years	1.26%	1.41%	Sallie Mae 5.00%

Taxes on Western Alliance 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. Western Alliance sends Form 1099-INT when you earn $10 or more in a year. For example, the $85.89 that $10,000 earns over 3 months at 3.48% would cost about $19 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 Western Alliance's published rule for that term.

Rates come from Western Alliance'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 Western Alliance'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.

Western Alliance CD FAQs

Quick answers about Western Alliance CD rates and penalties.

What are Western Alliance's CD rates today?

As of Nov 5, 2026, Western Alliance's highest CD rate is 3.48% APY on the 3 months Standard consumer CD. The full list of terms and balance tiers is in the table above.

How much will $10,000 earn in a 3-month Western Alliance CD?

At 3.48% APY, $10,000 grows to $10,085.89 after 3 months, earning $85.89 in interest. Change the deposit or term in the calculator to see other amounts.

Are Western Alliance CDs insured?

Western Alliance Bank is FDIC-insured (FDIC certificate #57512), so deposits are covered up to $250,000 per depositor, per bank, per ownership category.

How do Western Alliance'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. Western Alliance pays 2.78% for 12 months. Its best rate, 3.48% for 3 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. Western Alliance's best is 3.48%.

Green rates beat Western Alliance'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.