What are the current interest rates at WaFd Bank?

Current rates for WaFd Bank include: 12-Month CD: 3.00%, 18-Month CD: 2.95%, 24-Month CD: 0.20%, 36-Month CD: 0.20%, 48-Month CD: 0.20%, 60-Month CD: 0.25%, Savings: 5.00%, MMA: 2.00%

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WaFd Bank Rates & Review October 2026

Q: How many branches does WaFd Bank operate?

WaFd Bank currently maintains approximately 213 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, WaFd Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, WaFd Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

WaFd Bank's top rates as of October 7, 2026 are 4.00% APY on its 13-Month CD Special, 5.00% APY on savings, 2.00% APY on money market accounts, and 0.25% APY on checking, according to rates verified by MonitorBankRates. Other WaFd Bank CD rates include 7-Month CD Special at 4.00%, 19-Month CD Special at 3.50%, and 6 - 11-Months 6 - 11-Month Business Fixed Rate Certificates of Deposit at 3.05%. MonitorBankRates evaluates the financial stability of WaFd Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.48%. Rates last updated and verified on 10/07/2026.

WaFd Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at WaFd Bank? Share your experience about WaFd Bank by leaving a review below, or read customer reviews before you decide to use WaFd Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.48%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

WaFd Bank

425 Pike St
Seattle, WA 98101

https://www.wafdbank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

WaFd Bank CD Rates

Product	Rate	APY	Term
13 Month CD Special	3.92%	4.00%	13 Month
Min Deposit $1,000 Details A penalty may be assessed for early withdrawal. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
7 Month CD Special	3.92%	4.00%	7 Month
Min Deposit $1,000 Details A penalty may be assessed for early withdrawal. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
19 Month CD Special	3.44%	3.50%	19 Month
Min Deposit $1,000 Details A penalty may be assessed for early withdrawal. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
6 - 11 Month Fixed Rate Certificates of Deposit	3.00%	3.05%	6 - 11 Months
Min Balance $1,000 Details Balance: $1,000 + Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
6 - 11 Month Fixed Rate Certificates of Deposit	3.00%	3.05%	6 - 11 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
12 - 17 Month Fixed Rate Certificates of Deposit	2.95%	3.00%	12 - 17 Months
Min Balance $1,000 Details Balance: $1,000 + Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
12 - 17 Month Fixed Rate Certificates of Deposit	2.95%	3.00%	12 - 17 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
30 Month CD Special	2.90%	2.95%	30 Month
Min Deposit $1,000 Details A penalty may be assessed for early withdrawal. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
60 Month Fixed Rate Certificates of Deposit	0.30%	0.35%	60 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
48 - 59 Month Fixed Rate Certificates of Deposit	0.25%	0.30%	48 - 59 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
60 Month Fixed Rate Certificates of Deposit	0.30%	0.30%	60 Months
Min Balance $1,000 Details Balance: $1,000 + Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 0.35% → 0.30% ▼ 0.05 pts · high 0.35% / low 0.30% Oct 7, 20260.30%▼ from 0.35% Sep 24, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
18 - 23 Month Fixed Rate Certificates of Deposit	0.20%	0.25%	18 - 23 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
24 - 35 Month Fixed Rate Certificates of Deposit	0.20%	0.25%	24 - 35 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
36 - 47 Month Fixed Rate Certificates of Deposit	0.20%	0.25%	36 - 47 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
48 - 59 Month Fixed Rate Certificates of Deposit	0.25%	0.25%	48 - 59 Months
Min Balance $1,000 Details Balance: $1,000 + Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 0.30% → 0.25% ▼ 0.05 pts · high 0.30% / low 0.25% Oct 7, 20260.25%▼ from 0.30% Sep 24, 20260.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
18 - 23 Month Fixed Rate Certificates of Deposit	0.20%	0.20%	18 - 23 Months
Min Balance $1,000 Details Balance: $1,000 + Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 0.25% → 0.20% ▼ 0.05 pts · high 0.25% / low 0.20% Oct 7, 20260.20%▼ from 0.25% Sep 24, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
24 - 35 Month Fixed Rate Certificates of Deposit	0.20%	0.20%	24 - 35 Months
Min Balance $1,000 Details Balance: $1,000 + Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 0.25% → 0.20% ▼ 0.05 pts · high 0.25% / low 0.20% Oct 7, 20260.20%▼ from 0.25% Sep 24, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
36 - 47 Month Fixed Rate Certificates of Deposit	0.20%	0.20%	36 - 47 Months
Min Balance $1,000 Details Balance: $1,000 + Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 0.25% → 0.20% ▼ 0.05 pts · high 0.25% / low 0.20% Oct 7, 20260.20%▼ from 0.25% Sep 24, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
4 - 5 Month Fixed Rate Certificates of Deposit	0.20%	0.20%	4 - 5 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
4 - 5 Month Fixed Rate Certificates of Deposit	0.15%	0.15%	4 - 5 Months
Min Balance $1,000 Details Balance: $1,000 + Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 0.20% → 0.15% ▼ 0.05 pts · high 0.20% / low 0.15% Oct 7, 20260.15%▼ from 0.20% Sep 24, 20260.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
14 Day Fixed Rate Certificates of Deposit	0.10%	0.10%	14 Days - 2 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit	0.10%	0.10%	3 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit	0.05%	0.05%	3 Months
Min Balance $1,000 Details Balance: $1,000 + Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05% Oct 7, 20260.05%▼ from 0.10% Sep 24, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%

WaFd Bank Business CD Rates

Product	Rate	APY	Term
6 - 11 Month Business Fixed Rate Certificates of Deposit	3.00%	3.05%	6 - 11 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
12 - 17 Month Business Fixed Rate Certificates of Deposit	2.95%	3.00%	12 - 17 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
6 - 11 Month Business Fixed Rate Certificates of Deposit	3.00%	3.00%	6 - 11 Months
Min Balance $1,000 Details Balance: $1,000 - $90,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
12 - 17 Month Business Fixed Rate Certificates of Deposit	2.95%	2.95%	12 - 17 Months
Min Balance $1,000 Details Balance: $1,000 - $90,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
60 Month Business Fixed Rate Certificates of Deposit	0.30%	0.35%	60 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
48 - 59 Month Business Fixed Rate Certificates of Deposit	0.25%	0.30%	48 - 59 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
60 Month Business Fixed Rate Certificates of Deposit	0.30%	0.30%	60 Months
Min Balance $1,000 Details Balance: $1,000 - $90,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
18 - 23 Month Business Fixed Rate Certificates of Deposit	0.20%	0.25%	18 - 23 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
24 - 35 Month Business Fixed Rate Certificates of Deposit	0.20%	0.25%	24 - 35 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
36 - 47 Month Business Fixed Rate Certificates of Deposit	0.20%	0.25%	36 - 47 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
48 - 59 Month Business Fixed Rate Certificates of Deposit	0.25%	0.25%	48 - 59 Months
Min Balance $1,000 Details Balance: $1,000 - $90,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
18 - 23 Month Business Fixed Rate Certificates of Deposit	0.20%	0.20%	18 - 23 Months
Min Balance $1,000 Details Balance: $1,000 - $90,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
24 - 35 Month Business Fixed Rate Certificates of Deposit	0.20%	0.20%	24 - 35 Months
Min Balance $1,000 Details Balance: $1,000 - $90,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
36 - 47 Month Business Fixed Rate Certificates of Deposit	0.20%	0.20%	36 - 47 Months
Min Balance $1,000 Details Balance: $1,000 - $90,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
4 - 5 Month Business Fixed Rate Certificates of Deposit	0.20%	0.20%	4 - 5 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
4 - 5 Month Business Fixed Rate Certificates of Deposit	0.15%	0.15%	4 - 5 Months
Min Balance $1,000 Details Balance: $1,000 - $90,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
14 Day Business Fixed Rate Certificates of Deposit	0.10%	0.10%	14 Days - 2 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
3 Month Business Fixed Rate Certificates of Deposit	0.10%	0.10%	3 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
3 Month Business Fixed Rate Certificates of Deposit	0.05%	0.05%	3 Months
Min Balance $1,000 Details Balance: $1,000 - $90,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%

WaFd Bank Savings Rates

Product	Rate	APY
Start Savings	4.88%	5.00%
Min Deposit $25 Min Balance $0 Details Balance: $0 - $500. Checking account required to open Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Start Savings	2.47%	2.50%
Min Deposit $25 Min Balance $500 Details Balance: $500.01 - $1000. Checking account required to open Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Minor Savings	-	1.00%
Min Deposit $10 Min Balance $10 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Savings	0.10%	0.10%
Min Deposit $25 Min Balance $100 Details $100 minimum balance to waive $10 monthly service charge Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Start Savings	0.10%	0.10%
Min Deposit $25 Min Balance $1,000 Details Balance: $1000 +. Checking account required to open Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%

WaFd Bank Money Market Rates

Product	Rate	APY
High Yield Money Market	1.98%	2.00%
Min Deposit $25 Min Balance $500,000 Details Balance: $500,000 +. $1,000 minimum to avoid $10 monthly service charge Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
High Yield Money Market	1.59%	1.60%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000 - $499,999. $1,000 minimum to avoid $10 monthly service charge Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
High Yield Money Market	1.49%	1.50%
Min Deposit $25 Min Balance $90,000 Details Balance: $90,000 - $249,999. $1,000 minimum to avoid $10 monthly service charge Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Money Market	0.20%	0.20%
Min Deposit $25 Min Balance $15,000 Details Balance: $15,000 +. $1,000 minimum to earn interest and avoid $10 monthly service charge. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Money Market	0.15%	0.15%
Min Deposit $25 Min Balance $1,000 Details Balance: $1,000 - $14,999. $1,000 minimum to earn interest and avoid $10 monthly service charge. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%

WaFd Bank Business Money Market Rates

Product	Rate	APY
Business Money Market	0.90%	0.90%
Min Deposit $100 Min Balance $90,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Business Money Market	0.80%	0.80%
Min Deposit $100 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Business Premium Money Market	0.80%	0.80%
Min Deposit $100 Min Balance $1,000 Details Balance: $1,000 - $14,999; Maximum $100,000 deposit per client. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%

WaFd Bank Checking Rates

Product	Rate	APY
Interest Checking	0.25%	0.25%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000 +. Avoid monthly service charge if you maintain a $5,000 daily balance or a $50,000 balance in related accounts. Otherwise, a $12 monthly charge will apply. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Interest Checking	0.15%	0.15%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $249,999. Avoid monthly service charge if you maintain a $5,000 daily balance or a $50,000 balance in related accounts. Otherwise, a $12 monthly charge will apply. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Interest Checking	0.10%	0.10%
Min Deposit $25 Min Balance $0 Details Balance: $0 - $99,999. Avoid monthly service charge if you maintain a $5,000 daily balance or a $50,000 balance in related accounts. Otherwise, a $12 monthly charge will apply. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%

WaFd Bank Business Checking Rates

Product	Rate	APY
Business Interest Checking	0.25%	0.25%
Min Deposit $0 Min Balance $10,000 Details $5,000 minimum to avoid $15 service charge. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Business Interest Checking	0.15%	0.15%
Min Deposit $0 Min Balance $1,000 Details $5,000 minimum to avoid $15 service charge. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

WaFd Bank’s Texas Ratio rose from 2.33% in Q3 2023 to 4.48% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$27.6B	4.48%	5.0	A+
March 31, 2026	$27.6B	4.40%	5.0	A+
December 31, 2025	$27.3B	6.55%	5.0	A
September 30, 2025	$26.7B	4.59%	5.0	A+
June 30, 2025	$26.7B	3.10%	5.0	A+
March 31, 2025	$27.6B	2.23%	5.0	A+
December 31, 2024	$27.7B	2.52%	5.0	A+
September 30, 2024	$28.1B	2.46%	5.0	A+
June 30, 2024	$28.6B	2.22%	5.0	A+
March 31, 2024	$30.1B	2.19%	5.0	A+
December 31, 2023	$22.6B	2.19%	5.0	A+
September 30, 2023	$22.5B	2.33%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for WaFd Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather WaFd Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with WaFd Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name WaFd Bank

Bank Holding Company WAFD INC

Address 425 Pike St, Seattle, WA 98101 · King

Website https://www.wafdbank.com

FDIC Certificate # 28088

Established 19170101

FDIC Insurance Date 19890809

Domestic Offices 214

Total Branches 213

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.48%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9897%

Return on Equity (ROE) 8.9800%

Non-Performing Loans (NPL) 0.46%

Total Assets $27,577,403,000

Total Deposits $21,051,268,000

Equity Capital $3,027,585,000

Net Income $135,913,000

Headquarters Seattle

Total Branches and Offices 214

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

WaFd Bank earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About WaFd Bank

How many branches does WaFd Bank operate?

WaFd Bank currently maintains approximately 213 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, WaFd Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, WaFd Bank provides members with tools to manage their accounts and build a solid financial history.

Does WaFd Bank offer online and mobile banking?

Most modern institutions like WaFd Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wafdbank.com.

Current WaFd Bank Rates

12-Month CD3.00%
18-Month CD2.95%
24-Month CD0.20%
36-Month CD0.20%
48-Month CD0.20%
60-Month CD0.25%
Savings5.00%
MMA2.00%

Retrieved from our database of financial products. Rates subject to change.

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WaFd Bank Rates & Review October 2026

Brian McKay

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Financial Health History

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Bank Profile & Overview

Financial Health & Assets

WaFd Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About WaFd Bank

How many branches does WaFd Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does WaFd Bank offer online and mobile banking?

Current WaFd Bank Rates

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