What are the current interest rates at Wells Fargo?

Current rates for Wells Fargo include: 12-Month CD: 1.50%, Savings: 0.01%

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Wells Fargo Rates & Review September 2026

Q: How many branches does Wells Fargo operate?

Wells Fargo currently maintains approximately 4,184 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, Wells Fargo 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, Wells Fargo 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: September 18, 2026

Wells Fargo's 11-Months 11-Month Special Fixed Rate CD rates are at 3.89%, 7-Months 7-Month Special Fixed Rate CD rates are at 3.74%, 15-Months 15-Month Special Fixed Rate CD rates are at 3.64%, 4-Months 4-Month Special Fixed Rate CD rates are at 3.49%, 1 year Standard Interest Rate rates are at 1.51%. Wells Fargo's savings rates are at 0.01%. Wells Fargo's 15-Year Fixed Rate rates are at 6.38%, 30-Year Fixed-Rate VA rates are at 6.50%, 7/6-Month ARM rates are at 6.70%, 30-Year Fixed Rate rates are at 7.00%. MonitorBankRates evaluates the financial stability of Wells Fargo with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.32%. Rates last updated and verified on 09/18/2026.

Wells Fargo 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 Wells Fargo? Share your experience about Wells Fargo by leaving a review below, or read customer reviews before you decide to use Wells Fargo.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.32%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Wells Fargo Bank, National Association

3201 N 4th Ave
Sioux Falls, SD 57104

https://wellsfargo.com

Wells Fargo CD Rates

Product	Rate	APY	Term
11 month Special Fixed Rate CD	3.82%	3.89%	11 months
Min Deposit $5,000 Details Relationship APY may be higher. Renewal Term 6 months. Current Renewal APY 0.05%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
7 month Special Fixed Rate CD	3.67%	3.74%	7 months
Min Deposit $5,000 Details Relationship APY may be higher. Renewal Term 6 months. Current Renewal APY 0.05%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
15 month Special Fixed Rate CD	3.58%	3.64%	15 months
Min Deposit $5,000 Details Relationship APY may be higher. Renewal Term 12 months. Current Renewal APY 1.50%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
4 month Special Fixed Rate CD	3.43%	3.49%	4 months
Min Deposit $5,000 Details Relationship APY may be higher. Renewal Term 3 months. Current Renewal APY 0.05%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
1 year Standard Interest Rate	1.50%	1.51%
Min Deposit $2,500 Min Balance $0 Details Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
1 year Standard Interest Rate	1.50%	1.51%
Min Deposit $2,500 Min Balance $5,000 Details Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
1 year Standard Interest Rate	1.50%	1.51%
Min Deposit $2,500 Min Balance $10,000 Details Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
1 year Standard Interest Rate	1.50%	1.51%
Min Deposit $2,500 Min Balance $25,000 Details Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
1 year Standard Interest Rate	1.50%	1.51%
Min Deposit $2,500 Min Balance $50,000 Details Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
1 year Standard Interest Rate	1.50%	1.51%
Min Deposit $2,500 Min Balance $100,000 Details Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
1 year Standard Interest Rate	1.50%	1.51%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 - $4,999.99; Relationship APY 1.51% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
1 year Standard Interest Rate	1.50%	1.51%
Min Deposit $2,500 Min Balance $5,000 Details Balance: $5,000 - $9,999.99; Relationship APY 1.51% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
1 year Standard Interest Rate	1.50%	1.51%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Relationship APY 1.51% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
1 year Standard Interest Rate	1.50%	1.51%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Relationship APY 1.51% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
1 year Standard Interest Rate	1.50%	1.51%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Relationship APY 1.51% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
1 year Standard Fixed Rate	1.49%	1.50%
Min Deposit $2,500 Min Balance $0 Details Relationship APY 1.51%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
1 year Standard Fixed Rate	1.49%	1.50%
Min Deposit $2,500 Min Balance $5,000 Details Relationship APY 1.51%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
1 year Standard Fixed Rate	1.49%	1.50%
Min Deposit $2,500 Min Balance $10,000 Details Relationship APY 1.51%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
1 year Standard Fixed Rate	1.49%	1.50%
Min Deposit $2,500 Min Balance $25,000 Details Relationship APY 1.51%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
1 year Standard Fixed Rate	1.49%	1.50%
Min Deposit $2,500 Min Balance $50,000 Details Relationship APY 1.51%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
1 year Standard Fixed Rate	1.49%	1.50%
Min Deposit $2,500 Min Balance $100,000 Details Relationship APY 1.51%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $0 Details Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $5,000 Details Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $10,000 Details Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $25,000 Details Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $50,000 Details Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $100,000 Details Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 - $4,999.99; Relationship APY 0.06% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $5,000 Details Balance: $5,000 - $9,999.99; Relationship APY 0.06% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Relationship APY 0.06% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Relationship APY 0.06% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Relationship APY 0.06% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
6 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $0 Details Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
6 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $5,000 Details Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
6 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $10,000 Details Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
6 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $25,000 Details Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
6 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $50,000 Details Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
6 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $100,000 Details Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
6 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 - $4,999.99; Relationship APY 0.06% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
6 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $5,000 Details Balance: $5,000 - $9,999.99; Relationship APY 0.06% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
6 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Relationship APY 0.06% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
6 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Relationship APY 0.06% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
6 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Relationship APY 0.06% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Fixed Rate CD	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Details Relationship APY 0.06%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Fixed Rate CD	0.05%	0.05%
Min Deposit $2,500 Min Balance $5,000 Details Relationship APY 0.06%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Fixed Rate CD	0.05%	0.05%
Min Deposit $2,500 Min Balance $10,000 Details Relationship APY 0.06%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Fixed Rate CD	0.05%	0.05%
Min Deposit $2,500 Min Balance $25,000 Details Relationship APY 0.06%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Fixed Rate CD	0.05%	0.05%
Min Deposit $2,500 Min Balance $50,000 Details Relationship APY 0.06%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Fixed Rate CD	0.05%	0.05%
Min Deposit $2,500 Min Balance $100,000 Details Relationship APY 0.06%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Fixed Rate CD	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Fixed Rate CD	0.05%	0.05%
Min Deposit $2,500 Min Balance $5,000 Details Balance: $5,000 - $9,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Fixed Rate CD	0.05%	0.05%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Fixed Rate CD	0.05%	0.05%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 month Standard Fixed Rate CD	0.05%	0.05%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
6 month Standard Fixed Rate	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Details Relationship APY 0.06%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
6 month Standard Fixed Rate	0.05%	0.05%
Min Deposit $2,500 Min Balance $5,000 Details Relationship APY 0.06%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
6 month Standard Fixed Rate	0.05%	0.05%
Min Deposit $2,500 Min Balance $10,000 Details Relationship APY 0.06%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
6 month Standard Fixed Rate	0.05%	0.05%
Min Deposit $2,500 Min Balance $25,000 Details Relationship APY 0.06%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
6 month Standard Fixed Rate	0.05%	0.05%
Min Deposit $2,500 Min Balance $50,000 Details Relationship APY 0.06%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
6 month Standard Fixed Rate	0.05%	0.05%
Min Deposit $2,500 Min Balance $100,000 Details Relationship APY 0.06%. Early withdrawal penalties may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%

Wells Fargo Savings Rates

Product	Rate	APY
Platinum Savings	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details When linked to Premier Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Retirement High Yield Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0 or more Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Platinum Savings	0.02%	0.02%
Min Deposit $25 Min Balance $0 Details When linked to Prime Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Platinum Savings	0.01%	0.01%
Min Deposit $25 Min Balance $3,500 Details Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Retirement High Yield Savings	0.01%	0.01%
Min Balance $0 Details Balance: $0 or more Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Way2Save Savings	0.01%	0.01%
Min Deposit $25 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%

Wells Fargo Mortgage Rates

Product	Rate	Points	APR
15-Year Fixed Rate	6.38%	$2,400	6.61%
Details Rates, terms, and fees as of 9/18/2026 10:15 AM Eastern Daylight Time and subject to change without notice. Select a product to view important disclosures, payments, assumptions, and APR information. Please note we offer additional home loan options not displayed here. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
30-Year Fixed-Rate VA	6.50%	$2,025	6.71%
Details Rates, terms, and fees as of 9/18/2026 10:15 AM Eastern Daylight Time and subject to change without notice. Select a product to view important disclosures, payments, assumptions, and APR information. Please note we offer additional home loan options not displayed here. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
30-Year Fixed Rate	7.00%	$2,800	7.00%
Details Rates, terms, and fees as of 9/18/2026 10:15 AM Eastern Daylight Time and subject to change without notice. Select a product to view important disclosures, payments, assumptions, and APR information. Please note we offer additional home loan options not displayed here. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%

Wells Fargo Other Rates

Product	Rate	Points	APY/APR	Term	View More
7/6-Month ARM	6.70%	$2,000	6.75%
Details Rates, terms, and fees as of 9/18/2026 10:15 AM Eastern Daylight Time and subject to change without notice. Select a product to view important disclosures, payments, assumptions, and APR information. Please note we offer additional home loan options not displayed here. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%

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

Wells Fargo’s Texas Ratio fell from 7.44% in Q3 2023 to 6.32% in Q2 2026, so its financial health has improved 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	$1,907.9B	6.32%	5.0	A
March 31, 2026	$1,852.2B	6.94%	5.0	A
December 31, 2025	$1,822.7B	6.79%	5.0	A
September 30, 2025	$1,767.1B	6.61%	5.0	A
June 30, 2025	$1,746.4B	7.13%	5.0	A
March 31, 2025	$1,711.0B	7.42%	5.0	A
December 31, 2024	$1,705.5B	7.75%	5.0	A
September 30, 2024	$1,698.7B	7.38%	5.0	A
June 30, 2024	$1,719.8B	7.49%	5.0	A
March 31, 2024	$1,743.3B	7.47%	5.0	A
December 31, 2023	$1,733.2B	7.57%	5.0	A
September 30, 2023	$1,704.9B	7.44%	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 Wells Fargo 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 Wells Fargo 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 Wells Fargo's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Wells Fargo

Bank Holding Company WELLS FARGO&COMPANY

Address 3201 N 4th Ave, Sioux Falls, SD 57104 · Minnehaha

Website https://wellsfargo.com

FDIC Certificate # 3511

Established 18700101

FDIC Insurance Date 19340101

Domestic Offices 4,161

Total Branches 4,184

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.32%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3765%

Return on Equity (ROE) 14.8800%

Non-Performing Loans (NPL) 0.55%

Total Assets $1,907,928,000,000

Total Deposits $1,563,534,000,000

Equity Capital $169,518,000,000

Net Income $12,808,000,000

Headquarters Sioux Falls

Total Branches and Offices 4188

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Wells Fargo earned the Verified Healthy badge

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Frequently Asked Questions About Wells Fargo

How many branches does Wells Fargo operate?

Wells Fargo currently maintains approximately 4,184 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, Wells Fargo 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, Wells Fargo provides members with tools to manage their accounts and build a solid financial history.

Does Wells Fargo offer online and mobile banking?

Most modern institutions like Wells Fargo 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://wellsfargo.com.