You have money questions. We are an independent, advertising-supported comparison service. Step Rate CD bonus interest rate and APY are available for the initial 24-month term if you link your Step Rate CD at account opening to a Portfolio by Wells Fargo ® program. Still, the average online CD rate is many times higher than the average rate available from 1-year CDs at traditional, branch-based accounts. Bankrate’s editorial team writes on behalf of YOU – the reader. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us. Wells Fargo Bank does not charge an early withdrawal fee. However, the CDs lack impressive APYs that other financial institutions offer. Avoid These Costly Mistakes, Compare Specialty Homeowners Insurance Reviews, Expert Strategies to Invest in Real Estate, How To Start Investing with $1,000 or Less, Investment Strategies to Start Building Wealth, Finding the Right Investor for Your Startup, Strategies On Increasing Your Current Income, How To Manage Your Personal Finances Successfully, Retirement Savings: Making Up for Lost Time. Bankrate has answers. The rates are for the initial CD term and then are renewed at the standard CD rates if you choose to renew. Interest Rate: 0.01%. Currently, the best APYs on the market are around 1.0 percent APY for one-year CD terms, which is considerably higher than the CD APYs offered by Wells Fargo. Note: The APYs (Annual Percentage Yield) shown are as of Dec. 18, 2020. The Wells Fargo Retirement High Yield Savings account and the Wells Fargo Way2Save Retirement account requires a $100 minimum opening deposit. However, some do charge a fee if you chooose to withdrawal your money before the CD term ends. The accounts do not offer high APYs. Can a First-Time Home Buyer Get a Jumbo Loan? Wells Fargo offers a range of term options that can be useful while planning out your savings goals. Complete Guide to Personal Lines of Credit. Wells Fargo Bank's Special CD rates are some of the best CD rates currently available and much higher than the bank's regular CD rates. founded in 1852 and based in San Francisco, CA. It offers terms from 9 months to 58 months. Which certificate of deposit account is best? Rates range from 0.05% APY for a three-month CD to 1.05% APY for a 58-month term. Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Consolidating vs. What KInd Of Credit Do You Need For An Auto Loan? However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. We maintain a firewall between our advertisers and our editorial team. Find Your Best Match for Student Loan Refinancing. Once your CD matures, it’ll automatically renew but with different terms. Our goal is to give you the best advice to help you make smart personal finance decisions. You can earn a slightly higher APY on a CD if you also maintain a linked Wells Fargo Prime Checking or Wells Fargo Portfolio checking account. Limited branch locations. Latest News from. The offers that appear on this site are from companies that compensate us. Fund the new business checking account with a minimum opening deposit of $25. Wells Fargo Special CD offers an APY of 0.3% (APY stands for annual percentage yield, rates may change). Wells Fargo earned a 2.5 out of 5 stars in Bankrate’s overall review of the bank. SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. View all cd accounts offered by Wells Fargo Bank, Please write a review to submit your vote, Compare Business Checking Accounts Reviews, Complete Guide to Certificates of Deposit. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. This offers a way to grow your balance at better rates. Compare the highest CD rates by APY, minimum balance, and more. editorial integrity, this post may contain references to products from our partners. Limited branch locations. Pros and Cons of Refinancing Your Mortgage, Questions to Ask Before Refinancing Your Mortgage, Complete Guide to Student Loan Refinancing, SuperMoney's Student Loan Refinance Marketplace, How To Get The Best Student Loan Refinance Rates. Note: The Step Rate CD account can be opened only at a Wells Fargo branch. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. Metacritic. The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. Wells Fargo offers special and standard rate CDs. The special rates require you to deposit at least $5,000. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Have a minimum balance of $15,000 in your new business checking account on Day 30 and on Day 90 of account opening and have 5 or more qualifying transactions posted to the same … You can even get a higher rate of 5 bps more … Beyond CDs, Wells Fargo offers a lineup of savings and money market accounts. If you have some savings that you would like to move into a CD, you can likely find a better option than Wells Fargo. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. Although rates have decreased steadily since the Federal Reserve's March 2020 rate cuts, the rates … As with most certificate of deposit accounts there are early withdrawal penalties, Wells Fargo … The drop in CD rates was especially steep for long-term CDs. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. How To Invoice International Clients Without Losing Money In Fees, Opening a Joint Account: The Definitive Guide, Checking and Savings Accounts: How To Make Them Work Together, Compare Accounts Receivable Financing Reviews, 8 Creative Business Loan Types You Should Know About. + Click here for analysis of U.S. Bank and Wells Fargo's CDs In addition to the standard rates, both banks offer special CD rates with higher minimum deposit requirements. You have to visit a Wells Fargo branch to open a Step Rate CD. Note: You can earn a bonus on Wells Fargo’s CDs to earn more interest; however, it requires you to have other products from the bank and you can still find higher yields elsewhere. Additionally, these APYs only apply to the initial agreed term. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Offers many checking options, including Teen Checking and Opportunity Checking for those who had financial troubles. Step Rate CD availability. 50 states (and Washington, DC). See if you qualify for student loan refinancing and compare real time offers. While we adhere to strict Savings vs. Money Market? You may enroll in the Special Rate … 24/7 customer service. Does Refinancing Your Car Loan Hurt Your Credit Score? Bonus rates. ; Minimum balance amount to earn APY: The minimum … We value your trust. Business Loans for New Businesses: What You Need To Know ? While Wells Fargo is one of America's largest banks with over 5,400 locations and 13,000 ATMs. Wells Fargo has over 5,000 Branches across 40 states compared to Bank of America‘s 4,000. Wells Fargo Special CD requires a minimum initial deposit of $5,000 to open an account. I also appreciate the fact that with the size of Wells Fargo, I am never far from a branch of an ATM that I can access my savings account if needed. Copyright 2021 SuperMoney, LLC. Wells Fargo Step Rate CD Review. Long-term CD rates drop most. How Prepaid Debit Cards Can Help You Budget, How Auto Insurance Works? Currently, the bank’s CD’s pay anywhere from 0.05% to 0.40%. The first six months have an interest rate of 0.01%, the next six months have a 0.02% rate and so on. It features an introductory annual percentage rate of 0% for 15 months on purchases and balance transfers. Compare TD Bank with Wells Fargo, side-by-side. What is the minimum deposit to open a CD account with Wells Fargo Bank? Open a new eligible Wells Fargo business checking account using offer code in a Wells Fargo branch. The highest APY of 0.40% is only available if the account remains linked to a Portfolio by Wells Fargo relationship. Why Should You Get a Business Credit Card? This 9 month CD rate is higher than most bank's 1 year CD rates available these days. Sallie Mae, Ally and Marcus by Goldman Sachs are among the brands offering top rates. Wells Fargo doesn’t have branches in IN, KY, … At Wells Fargo, some of its CDs require you to make a minimum deposit of $5,000. Bonus vs. non-bonus rates. What Are Collateral-Free Unsecured Business Loans? There are two types of fixed rate CDs Wells Fargo offers: Standard CDs and Special Rate CDs. All rights reserved. Getting a Mortgage With a Smaller Down Payment and No PMI. Wells Fargo Special CD offers an APY of 0.3% (APY stands for annual percentage yield, rates may change). Tech Republic. Special Bank CD Offers – Fargo, North Dakota 2021 Below are special Certificate of Deposit special rates and terms from banks in Fargo, North Dakota. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. At Bankrate we strive to help you make smarter financial decisions. Which Account Fits You Best? Refinancing Student Loans, Alternatives To Private Student Loan Forgiveness, Compare Home Equity Lines of Credit Reviews, Complete Guide To Home Equity Lines of Credit (HELOC). If you’re looking for more flexibility, you can also consider Wells Fargo’s step rate CD. The Special Rate is available for accounts with aggregate balances up to $1 million. Last week, Wells Fargo quietly entered the high-rate consumer CD market in eastern Iowa. If the promotional period is less than 12 months, the Annual Percentage Yield shown is a blended Annual Percentage Yield based on the account earning the Special Rate for the promotional period and the Standard Interest Rate for the remaining months. : 0.01%. While their CD specials in Austin (my home) are between 0.65% and 1.65% depending on term, the identical specials in eastern Iowa are starting at 2.00% and climb to 2.60%. Wells Fargo offers special and standard rate CDs. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. 3-month CD (minimum deposit of $10,000) APY. how we make money. The rates offered by Wells Fargo’s savings account are next to nothing and lower than the national average. ... Wells Fargo Bank, National Association 0.05% $10,000 6082.16 Learn More. The turning point for CD rates happened in 2019 and was exacerbated by the coronavirus pandemic. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Eligibility Requirements: Any customer can open a Wells Fargo Step Rate CD after filling out a brief application that includes the funding source, amount, term, and personal identifying information of the account owner. It's at 100% if everybody recommends the provider, and at -100% when no one recommends. This compensation may impact how, where and in what order products appear. The brand is a household name; however, you can find much higher APYs offered elsewhere. This 9 month CD rate is higher than most bank's 1 year CD rates available these days. Instead of keeping the same interest rate from opening to maturity, Wells Fargo’s Step Rate CD bumps up your interest rate every six months. ; Minimum opening deposit: Special CDs from Wells Fargo require a minimum deposit of $2,500. The special rates require you to deposit at least $5,000. Get help whenever you need it with 24/7 access to customer service. ZDNet. Commit to saving your money for the longer term and you can earn better interest rates with Wells Fargo CD. The Wells Fargo Cash Wise Visa gives cardholders unlimited 1.5% cash back on all purchases without restrictive spending categories or an annual fee. † To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. All Rights Reserved. Compare the best One-year CD rates in Sioux Falls, South Dakota, SD from hundreds of FDIC insured banks. Suggestions. You can see them under think link » Wells Fargo Brokerage IRA Fees The above rates aren’t very high. Interest rates vary based on zip code, term, and balance. A Red Ventures company. The best rates available for CDs are those with terms greater than a year; the longer the term, the higher the rate. How to Find a Money Transfer Service Near Me? FDIC insurance is backed by the full faith and credit of the United States government. Getting a Business Loan When You Have Bad Credit. CBS News. Can You Build Credit With a Prepaid Credit Card? Bankrate.com is an independent, advertising-supported publisher and comparison service. Gamespot. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Compare real offers from multiple lenders. Here’s an explanation for Special CDs offers high rates with $5,000 minimum opening deposit. When the Special Rate expires, the account will revert to then-current Standard Interest Rates. SuperMoney.com is an independent, advertising-supported service. Bankrate.com does not include all companies or all available products. You can also find CDs that require lower minimums. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Do Private Student Loans Have a Statute of Limitations? The standard rates require you to deposit $2,500. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. Let’s take a closer look at the CDs that Wells Fargo has to offer. Compare top CD rates before committing your money to an account with lackluster returns. Step Rate CD Rates $2,500 minimum opening deposit A Step Rate CD (Time Account) is a 24-month CD featuring guaranteed interest rate increases and one penalty-free withdrawal every six months, provided the minimum opening balance is maintained. Buying a Mobile Home: What You Need to Know, Compare Motorcycle and ATV Insurance Reviews, Complete Guide for Motorcycle and ATV Insurance, Compare Personal Watercraft Insurance Reviews, Considering Renters Insurance? Wells Fargo CDs (Time Accounts) give you guaranteed fixed rates and a choice of terms. How to Get a Reverse Mortgage: 3 Steps to Getting an HECM. 1: 0.02%. Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Wells Fargo Special CD is available in You can also earn bonus rates on these CDs if you link a Wells Fargo Prime Checking or Portfolio Account. Wells Fargo Special Cd Offer Rate Wells Fargo Special Cd Offer August 2019 Articles & Shopping. Special CDs discontinued. One-year CD rates can help boost some of your short-term savings. Offer Details: Wells Fargo Bank's Special CD rates are some of the best CD rates currently available and much higher than the bank's regular CD rates. *SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. … The APYs for some products may vary by region. It also offers retirement CDs. Footnote 1. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access Our editorial team does not receive direct compensation from our advertisers. Wells Fargo Special CD is offered by Wells Fargo Bank, CNET. Otherwise, the rate is 0.03%, which is far lower than other savings products. Higher rates. Is It Okay to Open and Close Bank Accounts? Home Equity Loan vs. Line of Credit: Which Should You Choose? Wells Fargo Step Rate CD is available in 50 states (and Washington, DC). The standard rates require you to deposit $2,500. Rates are hard to beat for longer-term CDs. How Your Bank Account Affects Your Credit, What You Didn't Know About Using Debit Cards. What Are The Different Types of Life Insurance? TV.com. © 2021 Bankrate, LLC. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Wells Fargo ($5,000 minimum): Wells Fargo offers a special CD with high rates, but the minimum deposit required is high. We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. Although Wells Fargo is an easily recognizable financial institution, many other … Wells Fargo no longer offers Special CDs. Wells Fargo offers special higher rate promo CD offers, step rate certificate of deposits (CD) and fixed rate CDs. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. A jumbo CD is like a regular CD but requires a higher minimum deposit, and in exchange, it can pay a higher interest rate. You’ll earn more interest with Wells Fargo‘s accounts, especially on the Special CDs and Platinum Savings. TVGuide.com. Filter & compare all your options in one place. Should You Use a HELOC to Pay Off Credit Card Debt? Complete Guide to Credit Monitoring Tools, Top 10 Factors That Affect Your Credit Score, Uncommon Tips & Tricks To Track Your Daily Expenses, Side Jobs You Can Start Today For Extra Cash, Auto Refinance Interest Rates: Complete Guide, When Should You Refinance Your Car Loan - 3 Situations When You Should Refinance. Wells Fargo’s Special CD rates To open a Wells Fargo’s Special CD and the higher rates, you’ll need a minimum opening deposit of $5,000. Get insider access to our best financial tools and content. Complete Guide, How To Find Auto Insurance That Covers Any Driver, How to Get Cheap Auto Insurance Before You Buy a Car, What Homeowners Need To Know About Excess Flood Insurance, How to Find Home Insurance that Covers Water Damage, How to Find Home Insurance That Covers Everything, How to Dispute a Home Insurance Claim Settlement, Surprising Things Homeowners Insurance Doesn't Cover, How to Find the Best Whole Life Insurance Policy, Differences Between Whole and Term Life Insurance. But this compensation does not influence the information we publish, or the reviews that you see on this site. Thankfully, Wells Fargo also offers investment IRA’s with its securities arm WellsTrade. It’s best if you set aside some money as a safety cushion in case there is an emergency, so you do not incur penalty fees taking out money from a maturing CD. Personal Loan Vs. Line Of Credit: Which Is Better? Our experts have been helping you master your money for over four decades. Opens Dialog. Yes, your Wells Fargo Bank cd accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). a bank Wells Fargo Step Rate CD is offered by Wells Fargo Bank, a bank founded in 1852 and based in San Francisco, CA. Reverse Mortgages: When Do They Make Sense? We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Wells Fargo CD Specials - Travis County, Texas (78759) - August 27, 2018 CD Accounts: The Annual Percentage Yields (APY) shown are offered on accounts accepted by the Bank and effective for the dates shown above, unless otherwise noted. Financial institutions don't typically charge many fees on certificate of deposit accounts. Wells Fargo offers several certificates of deposit with a range of terms that you won’t find at many banks. Wells Fargo doesn’t have branches in IN, KY, LA, MA, ME, MI, MO, NH, OH, OK, RI, VT or WV. Wells Fargo Special Cd Offer Rate . The minimum deposit is $5,000 and the CD account is FDIC insured up to $100,000. Reviews (4) All rates listed are Annual Percentage Yield (APY). 9 month Special CD rates from Wells Fargo Bank are at 2.23 percent with an APY of 2.25 percent. Would you recommend Wells Fargo Special CD to your friends? Traditional CDs may have special maturity terms. Wells Fargo Bank is currently offering 3 different promotional Certificate of Deposit rates, the rates are 2.40% APY for a 5 month CD, 2.65% APY for a 9 month CD and 3.30% APY for an 18 month CD. Bonus APY. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Wells Fargo CD rates Standard vs special CDs. How to Use a Personal Loan to Build Credit. Please explain your vote by sharing your experience. Wells Fargo has two main kinds of CDs: “standard CDs,” which require $2,500 to open, and “special CDs,” which require $5,000. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Wells Fargo also has a great mobile app so that my savings account balance is easily available if I need to check my balance. Passive income ideas to help you make money, Best age for Social Security retirement benefits, Privacy policy / California privacy policy. What Are Different Types of Credit Cards? Defintely do some budgeting and planning prior to investing your money in a CD. We do not include the universe of companies or financial offers that may be available to you. SallieMae ($2,500 minimum): SallieMae is known as a student loan lender, but it also provides consumer banking. Special CD offers can change weekly so check back frequently for updates. In exchange for parking at least $2,500 in a 24-month CD, you will currently get a yield that automatically increases. 9 month Special CD rates from Wells Fargo Bank are at 2.23 percent with an APY of 2.25 percent. Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision. Most Common Mistakes When Filing Your Taxes, Affinity Federal Credit Union Certificate Account, Affinity Plus Federal Credit Union Basic Certificate Of Deposit, Great Lakes Credit Union Share Certificate, Hudson Valley Federal Credit Union Fixed-Rate Certificate Account, MEMBERS1st Community Credit Union Kids1st, Members First Credit Union Texas Great Start CD, MembersFirst Credit Union CU Succeed Certificates of Deposit, Filter & compare all your options in one place. Wells Fargo Special CD requires a minimum initial deposit of $5,000 to open an account. Complete Guide to Money Transfer Services. Recommendation score measures the loyalty between a provider and a consumer. Is Refinancing Your Student Loan Worth It? Better customer service. Bankrate.com is an independent, advertising-supported publisher and comparison service. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Step rate CDs are available for periods between 1 and 24 months and fixed rate CDs are offered for terms of 3 months and 1 year. Featured image by Lucigerma of Shutterstock. Business Loans for new Businesses: what you need to check my balance Fargo.. Including Teen checking and Opportunity checking for those who had financial troubles is an easily recognizable institution! A wide range offers, bankrate does not include the universe of companies or financial offers appear... … Bonus rates helping you master your money before the CD account with lackluster returns with terms greater than year! 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Credit product or service linked to a Portfolio by Wells Fargo … Bonus rates on CDs... Financial offers that may be available to you Special rates require you to deposit $ 2,500 in a Wells Step! Compensation does not receive direct compensation from advertisers, and we have editorial standards in place to that! Get insider access to customer service helps your fellow users make a minimum deposit of $ 5,000 opening. Purchases and balance what order products appear or service advertisers, and we have editorial standards in to! Market in eastern Iowa or Portfolio account $ 25 CDs at traditional, branch-based accounts FDIC insurance backed...