WSFS CD Rates (November 2026) & Calculator

WSFS pays up to 4.25% APY on a 7-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 #17838

WSFS CD rates (Nov 5, 2026)

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

WSFS CD rates by term and balance
Term	Product	Minimum	APY	$10,000 earns
3 months	Fixed Rate CD	$2,500	3.00%	$74.17
6 months	Fixed Rate CD	$2,500	3.00%	$148.89
7 months	Fixed Rate CDSpecial	$2,500	4.25%	$245.76
1 year	Fixed Rate CD	$2,500	2.75%	$275.00
13 months	Fixed Rate CDSpecial	$2,500	4.25%	$461.22
18 months	Fixed Rate CD	$2,500	2.50%	$377.33
2 years	Fixed Rate CD	$2,500	1.50%	$302.25
3 years	Fixed Rate CD	$2,500	1.00%	$303.01
4 years	Fixed Rate CD	$2,500	0.75%	$303.39
5 years	Fixed Rate CD	$2,500	0.75%	$380.67
7 years	Fixed Rate CD	$2,500	0.75%	$536.96

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

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

WSFS 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.

WSFS CD rates compared with the FDIC national average
Term	WSFS	National avg	Best other bank
3 months	3.00%	1.14%	Popular Direct 4.30%
6 months	3.00%	1.39%	Popular Direct 4.35%
7 months	4.25%	1.39% (6 mo)	Associated Bank 4.25%
1 year	2.75%	1.76%	Popular Direct 4.60%
13 months	4.25%	1.76% (12 mo)	CIBC Agility 4.50%
18 months	2.50%	1.76% (12 mo)	Popular Direct 4.80%
2 years	1.50%	1.55%	E*TRADE 4.80%
3 years	1.00%	1.39%	Popular Direct 4.85%
4 years	0.75%	1.31%	Popular Direct 4.95%
5 years	0.75%	1.41%	Sallie Mae 5.00%
7 years	0.75%	1.41% (60 mo)	Navy Federal 3.85%

WSFS CD early withdrawal penalty

WSFS early withdrawal penalty by term
Term	Penalty
3 months or less	30 days of interest
4 to 6 months	3 months of interest
7 to 12 months	6 months of interest
13 months or longer	12 months of interest

Example: $10,000 in a 1-year CD at 2.75%, withdrawn after 6 months, has earned $136.57. The penalty is $135.65, so you would get $10,000.92.

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

Taxes on WSFS 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. WSFS sends Form 1099-INT when you earn $10 or more in a year. For example, the $245.76 that $10,000 earns over 7 months at 4.25% would cost about $54 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 WSFS's published rule for that term.

Rates come from WSFS'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 WSFS'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.

WSFS CD FAQs

Quick answers about WSFS CD rates and penalties.

What are WSFS's CD rates today?

As of Nov 5, 2026, WSFS's highest CD rate is 4.25% APY on the 7 months Fixed Rate CD. The full list of terms and balance tiers is in the table above.

How much will $10,000 earn in a 7-month WSFS CD?

At 4.25% APY, $10,000 grows to $10,245.76 after 7 months, earning $245.76 in interest. Change the deposit or term in the calculator to see other amounts.

What is WSFS's CD early withdrawal penalty?

3 months or less: 30 days of interest. 4 to 6 months: 3 months of interest. 7 to 12 months: 6 months of interest. 13 months or longer: 12 months of interest. If the penalty is more than the interest earned, the rest comes out of your principal.

Are WSFS CDs insured?

Wilmington Savings Fund Society, FSB is FDIC-insured (FDIC certificate #17838), so deposits are covered up to $250,000 per depositor, per bank, per ownership category.

How do WSFS'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. WSFS pays 2.75% for 12 months. Its best rate, 4.25% for 7 months, is 2.86 points above the national average for that term.