Filter & compare all your options in one place. Compare the highest CD rates by APY, minimum balance, and more. Wells Fargo offers special and standard rate CDs. Wells Fargo Bank does not charge an early withdrawal fee. Recommendation score measures the loyalty between a provider and a consumer. We are an independent, advertising-supported comparison service. The standard rates require you to deposit $2,500. 50 states (and Washington, DC). 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. In exchange for parking at least $2,500 in a 24-month CD, you will currently get a yield that automatically increases. It features an introductory annual percentage rate of 0% for 15 months on purchases and balance transfers. 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. Wells Fargo earned a 2.5 out of 5 stars in Bankrate’s overall review of the bank. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Get help whenever you need it with 24/7 access to customer service. Latest News from. Sallie Mae, Ally and Marcus by Goldman Sachs are among the brands offering top rates. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us. Let’s take a closer look at the CDs that Wells Fargo has to offer. 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 … What Are Different Types of Credit Cards? You can see them under think link » Wells Fargo Brokerage IRA Fees The above rates aren’t very high. a bank Home Equity Loan vs. Line of Credit: Which Should You Choose? CNET. Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision. You’ll earn more interest with Wells Fargo‘s accounts, especially on the Special CDs and Platinum Savings. SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products. Which Account Fits You Best? Currently, the bank’s CD’s pay anywhere from 0.05% to 0.40%. Business Loans for New Businesses: What You Need To Know ? 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. 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. Wells Fargo offers several certificates of deposit with a range of terms that you won’t find at many banks. Although rates have decreased steadily since the Federal Reserve's March 2020 rate cuts, the rates … Compare the best One-year CD rates in Sioux Falls, South Dakota, SD from hundreds of FDIC insured banks. 9 month Special CD rates from Wells Fargo Bank are at 2.23 percent with an APY of 2.25 percent. Wells Fargo CD rates Standard vs special CDs. Bonus vs. non-bonus rates. How to Get a Reverse Mortgage: 3 Steps to Getting an HECM. Does Refinancing Your Car Loan Hurt Your Credit Score? Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Defintely do some budgeting and planning prior to investing your money in a CD. 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. 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. When the Special Rate expires, the account will revert to then-current Standard Interest Rates. Wells Fargo offers special and standard rate CDs. Limited branch locations. Wells Fargo also has a great mobile app so that my savings account balance is easily available if I need to check my balance. *SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. + 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. The first six months have an interest rate of 0.01%, the next six months have a 0.02% rate and so on. Wells Fargo Special CD is offered by Wells Fargo Bank, Offers many checking options, including Teen Checking and Opportunity Checking for those who had financial troubles. Savings vs. Money Market? So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Wells Fargo Special CD requires a minimum initial deposit of $5,000 to open an account. 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. 1: 0.02%. Special Bank CD Offers – Fargo, North Dakota 2021 Below are special Certificate of Deposit special rates and terms from banks in Fargo, North Dakota. Which certificate of deposit account is best? We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. 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%. However, the CDs lack impressive APYs that other financial institutions offer. Rates are hard to beat for longer-term CDs. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. ... Wells Fargo Bank, National Association 0.05% $10,000 6082.16 Learn More. Is It Okay to Open and Close Bank Accounts? ; Minimum opening deposit: Special CDs from Wells Fargo require a minimum deposit of $2,500. Copyright 2021 SuperMoney, LLC. Special CDs discontinued. Otherwise, the rate is 0.03%, which is far lower than other savings products. The brand is a household name; however, you can find much higher APYs offered elsewhere. Reviews (4) All rates listed are Annual Percentage Yield (APY). Getting a Mortgage With a Smaller Down Payment and No PMI. 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. Wells Fargo no longer offers Special CDs. Bonus APY. If you’re looking for more flexibility, you can also consider Wells Fargo’s 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. This compensation may impact how, where and in what order products appear. 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. Once your CD matures, it’ll automatically renew but with different terms. 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. It also offers retirement CDs. Compare top CD rates before committing your money to an account with lackluster returns. Wells Fargo has over 5,000 Branches across 40 states compared to Bank of America‘s 4,000. Passive income ideas to help you make money, Best age for Social Security retirement benefits, Privacy policy / California privacy policy. The drop in CD rates was especially steep for long-term CDs. Wells Fargo Special CD requires a minimum initial deposit of $5,000 to open an account. Wells Fargo doesn’t have branches in IN, KY, … As with most certificate of deposit accounts there are early withdrawal penalties, Wells Fargo … Financial institutions don't typically charge many fees on certificate of deposit accounts. Wells Fargo Special CD is available in Thankfully, Wells Fargo also offers investment IRA’s with its securities arm WellsTrade. 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. Wells Fargo Step Rate CD is available in 50 states (and Washington, DC). Wells Fargo Step Rate CD Review. 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. We maintain a firewall between our advertisers and our editorial team. 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. Wells Fargo ($5,000 minimum): Wells Fargo offers a special CD with high rates, but the minimum deposit required is high. Compare real offers from multiple lenders. Wells Fargo doesn’t have branches in IN, KY, LA, MA, ME, MI, MO, NH, OH, OK, RI, VT or WV. Consolidating vs. 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. Wells Fargo Special CD offers an APY of 0.3% (APY stands for annual percentage yield, rates may change). Do Private Student Loans Have a Statute of Limitations? The turning point for CD rates happened in 2019 and was exacerbated by the coronavirus pandemic. CBS News. 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. Special CD offers can change weekly so check back frequently for updates. There are two types of fixed rate CDs Wells Fargo offers: Standard CDs and Special Rate CDs. One-year CD rates can help boost some of your short-term savings. 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. The offers that appear on this site are from companies that compensate us. It's at 100% if everybody recommends the provider, and at -100% when no one recommends. This offers a way to grow your balance at better rates. At Bankrate we strive to help you make smarter financial decisions. 3-month CD (minimum deposit of $10,000) APY. Still, the average online CD rate is many times higher than the average rate available from 1-year CDs at traditional, branch-based accounts. Yes, your Wells Fargo Bank cd accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). Our experts have been helping you master your money for over four decades. Limited branch locations. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access The minimum deposit is $5,000 and the CD account is FDIC insured up to $100,000. Bonus rates. You may enroll in the Special Rate … TVGuide.com. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. It offers terms from 9 months to 58 months. What Are The Different Types of Life Insurance? The highest APY of 0.40% is only available if the account remains linked to a Portfolio by Wells Fargo relationship. Wells Fargo CD Specials - Travis County, Texas (78759) - August 27, 2018 What KInd Of Credit Do You Need For An Auto Loan? Footnote 1. FDIC insurance is backed by the full faith and credit of the United States government. Interest Rate: 0.01%. Wells Fargo offers special higher rate promo CD offers, step rate certificate of deposits (CD) and fixed rate CDs. Fund the new business checking account with a minimum opening deposit of $25. 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