Wells Fargo Certificate of Deposit
Cannot be determined — product page returned a 404 error.
Cannot be determined — product page returned a 404 error.
SwitchWize was unable to generate a meaningful competitive analysis for this Wells Fargo CD listing because the source product page returned a 404 Not Found error. No APY, term options, minimum deposit, early withdrawal penalties, or other account terms could be extracted. With the Fed Funds Rate currently sitting at 3.63%, top-tier CDs in SwitchWize's database are posting competitive rates well above the national bank average. Wells Fargo has historically offered CD rates that trail online-only competitors, but without a live page to verify current terms, any rate or fee comparison would be speculative. SwitchWize recommends checking wellsfargo.com directly, using their branch locator, or calling customer service for up-to-date CD rate information before making any deposit decision. This listing will be re-crawled and updated as soon as a valid product page is available. Do not rely on this entry for rate or feature comparisons until data is confirmed.
Confirm the rate and term are still available. Review the early-withdrawal penalty in the fee schedule — it can erase months of interest.
Jun 13, 2026
SwitchWize Research Desk · methodology
- No monthly maintenance fee
- FDIC insured up to $250,000
| Term | APY |
|---|---|
| 3 months | 0.05% |
| 6 months | 0.05% |
| 1 year | 1.50% |
| 2 years | 1.75% |
| 3 years | 1.01% |
| 5 years | 1.01% |
Product page was unavailable at time of review. Visit wellsfargo.com or call Wells Fargo customer service to inquire about current CD products and opening requirements.
SwitchWize was unable to generate a meaningful competitive analysis for this Wells Fargo CD listing because the source product page returned a 404 Not Found error. No APY, term options, minimum deposit, early withdrawal penalties, or other account terms could be extracted. With the Fed Funds Rate currently sitting at 3.63%, top-tier CDs in SwitchWize's database are posting competitive rates well above the national bank average. Wells Fargo has historically offered CD rates that trail online-only competitors, but without a live page to verify current terms, any rate or fee comparison would be speculative. SwitchWize recommends checking wellsfargo.com directly, using their branch locator, or calling customer service for up-to-date CD rate information before making any deposit decision. This listing will be re-crawled and updated as soon as a valid product page is available. Do not rely on this entry for rate or feature comparisons until data is confirmed.
What happens if I withdraw from a CD early?
Most CDs charge an early-withdrawal penalty — typically 60 to 150 days of interest depending on the term. Breaking a 12-month CD at month 3 with a 90-day penalty can reduce your effective yield to near zero. Always read the fee schedule before opening.
Is a CD FDIC insured?
Yes. Certificates of deposit at FDIC-member banks are insured up to $250,000 per depositor. The fixed rate and FDIC coverage make CDs one of the safest places to hold cash you can afford to leave untouched for the full term.
What is a CD ladder?
A CD ladder splits your savings across multiple CDs with staggered maturities — for example, 3-month, 6-month, and 12-month terms. As each CD matures, you reinvest at the current rate, giving you the higher rates of longer terms and regular access to a portion of your cash.
Can the CD rate change after I open it?
No. The APY on a standard CD is locked at the opening rate for the full term. This is the main advantage over a high-yield savings account: you know exactly what you will earn, regardless of future Fed rate cuts.
Rates are sourced from Bankrate and verified by SwitchWize. SwitchWize may earn a referral fee when you click through to a partner. Content is for informational purposes only and does not constitute financial advice. Verify current rates directly with the institution before opening an account.