Business CD rates
Wells Fargo business CD rates
Wells Fargo offers 3 business CD terms. The highest rate is 4.10% APY on the 7 months CD, which needs $5,000 to open. That ranks 3rd of 3 banks we track for that term. Rates were last checked November 14, 2026.
- Top rate
- 4.10% APY, 7 months
- Opens from
- $5,000
- Early exit on $25,000
- about $247.81
Rates by term
Rank compares each term with the same term at the other banks we track.
| Term | APY | Rank | Open with | Early withdrawal |
|---|---|---|---|---|
| 4 months | 4.00% | 1st of 40.30 pts above median | $5,000 | 90 days of interestabout $241.64 on $25,000 |
| 7 months | 4.10% | 3rd of 30.05 pts below median | $5,000 | 90 days of interestabout $247.81 on $25,000 |
| 11 months | 3.75% | 3rd of 40.13 pts below median | $5,000 | 90 days of interestabout $226.85 on $25,000 |
APY means the yearly yield with compounding. The bank can change rates on new CDs at any time. A CD you already hold keeps its rate until the term ends.
Who this fits, and who should look elsewhere
It fits when
- You want a top rate. It pays the highest rate we track on the 4 months CD.
- You might need the money early. The stated penalty is at most 90 days of interest.
Look elsewhere when
- You cannot meet the conditions listed on this page.
How it works
- Interest
- Compounded daily
- Rate type
- Fixed
- At the end of the term
- Renews on its own
- Adding money later
- Not published
- How to open
- Not published
- Deposit insurance
- Not published
What the bank says about early withdrawal: Less than 90 days (or less than 3 months), the penalty is 1 month's interest, 90 through 365 days (or 3-12 months), the penalty is 3 months' interest, Over 12 months through 24 months, the penalty is 6 months' interest, or Over 24 months, the penalty is 12 months' interest.
- Rates shown are the Special Fixed Rate CDs for ZIP 94105 (California). Rates and products vary by location.
- After the first term a Special CD renews for 3 or 6 months at the bank's then-current standard rate.
- Opening deposit for these special CDs is $5,000.
How we checked: this bank's pages block automated reading, so the rates were read in a regular browser session on November 14, 2026. We cannot re-check them automatically, so they stay up for a shorter time.
Before you open
- Make sure your type of business can open one.
- Write down the maturity date and the days you get to withdraw without a penalty.
- Read the bank's account agreement.
Banks with a similar top rate
Common questions
What are Wells Fargo's business CD rates?
4 months 4.00%, 7 months 4.10%, 11 months 3.75% APY, as of November 14, 2026.
How much does it cost to open a Wells Fargo business CD?
The page we read says $5,000 to open.
What if I take money out of a Wells Fargo business CD early?
The bank says: Less than 90 days (or less than 3 months), the penalty is 1 month's interest, 90 through 365 days (or 3-12 months), the penalty is 3 months' interest, Over 12 months through 24 months, the penalty is 6 months' interest, or Over 24 months, the penalty is 12 months' interest.
Are deposits at Wells Fargo insured?
Not published
Where this comes from
Each fact was copied from the bank's own page. Where the bank allows it, we check it against the page again on a schedule.
| Fact | What the bank says |
|---|---|
| apyStatus | 4 months 3.92% 4.00% 3 monthsOpen the page |
| maturityTermDays | 4 months 3.92% 4.00% 3 monthsOpen the page |
| Minimum to open | Special Fixed Rate CD Rates Minimum Opening Deposit: $5,000Open the page |
| interestRate | 4 months 3.92% 4.00% 3 monthsOpen the page |
| Monthly fee | 4 months 3.92% 4.00% 3 monthsOpen the page |
| Early withdrawal penalty | Less than 90 days (or less than 3 months), the penalty is 1 month's interest, 90 through 365 days (or 3-12 months), the penalty is 3 months' interest, Over 12 months through 24 months, the penalty is 6 months' interest, or Over 24 months, the penalty is 12 months' interest.Open the page |
| How interest is paid | Interest is compounded daily.Open the page |
| Rate type | CD rates are fixed for the term of the account.Open the page |
| Renewal | At maturity, Special Interest Rate CDs will automatically renew for the Renewal Term stated above, at the interest rate and Annual Percentage Yield (APY) in effect on the maturity dateOpen the page |
| conditions | Rates shown are the Special Fixed Rate CDs for ZIP 94105 (California). Rates and products vary by location. After the first term a Special CD renews for 3 or 6 months at the bank's then-current standard rate. Opening deposit for these special CDs is $5,000.Open the page |
| maturityTermDays | 7 months 4.02% 4.10% 6 monthsOpen the page |
| apyStatus | 7 months 4.02% 4.10% 6 monthsOpen the page |
| interestRate | 7 months 4.02% 4.10% 6 monthsOpen the page |
| Monthly fee | 7 months 4.02% 4.10% 6 monthsOpen the page |
| apyStatus | 11 months 3.68% 3.75% 6 monthsOpen the page |
| maturityTermDays | 11 months 3.68% 3.75% 6 monthsOpen the page |
| interestRate | 11 months 3.68% 3.75% 6 monthsOpen the page |
| Monthly fee | 11 months 3.68% 3.75% 6 monthsOpen the page |