What are the current interest rates at Wells Fargo?

Current rates for Wells Fargo include: 12-Month CD: 1.49%, Savings: 0.01%

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Wells Fargo Rates & Review July 2026

Item: Wells Fargo
Rating: 2015
Author: Qkwe

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 7, 2026

Wells Fargo's 15-Months 15-Month Special Fixed Rate CD rates are at 3.74%, 11-Months 11-Month Special Fixed Rate CD rates are at 3.59%, 7-Months 7-Month Special Fixed Rate CD rates are at 3.24%, 4-Months 4-Month Special Fixed Rate CD rates are at 2.99%, 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 5.62%, 30-Year Fixed-Rate VA rates are at 5.75%, 7/6-Month ARM rates are at 6.00%, 30-Year Fixed Rate rates are at 6.50%. MonitorBankRates evaluates the financial stability of Wells Fargo with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.44%. Rates were last updated on 07/07/2026.

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.

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.44%

Excellent Higher than avg

Wells Fargo Bank, National Association

3201 N 4th Ave
Sioux Falls, SD 57104

https://www.wellsfargo.com

Wells Fargo CD Rates

Product	Rate	APY	Term
15 month Special Fixed Rate CD	3.67%	3.74%	15 months
Min Deposit $5,000 Details Relationship APY may be higher. Renewal Term 12 months. Current Renewal APY 1.50%. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
11 month Special Fixed Rate CD	3.53%	3.59%	11 months
Min Deposit $5,000 Details Relationship APY may be higher. Renewal Term 6 months. Current Renewal APY 0.05%. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
7 month Special Fixed Rate CD	3.19%	3.24%	7 months
Min Deposit $5,000 Details Relationship APY may be higher. Renewal Term 6 months. Current Renewal APY 0.05%. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
4 month Special Fixed Rate CD	2.95%	2.99%	4 months
Min Deposit $5,000 Details Relationship APY may be higher. Renewal Term 3 months. Current Renewal APY 0.05%. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
1 year Standard Interest Rate	1.50%	1.51%
Min Deposit $2,500 Min Balance $0 Details Relationship Interest Rate 1.51% Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
1 year Standard Fixed Rate	1.49%	1.50%	1 year
Min Deposit $2,500 Min Balance $0 Details Relationship Interest Rate 1.50%; Relationship APY 1.51% Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
1 year Standard Fixed Rate CD	1.50%	1.50%
Min Deposit $2,500 Min Balance $0 Details Relationship APY 1.51%. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
1 year Standard Fixed Rate CD	1.49%	1.49%
Min Deposit $2,500 Min Balance $0 Details Relationship APY 1.50%. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
3 month Standard Fixed Rate CD	0.06%	0.06%
Min Deposit $2,500 Min Balance $0 Details Relationship APY 0.06%. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
3 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $0 Details Relationship Interest Rate 0.06% Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
6 month Standard Fixed Rate CD	0.06%	0.06%
Min Deposit $2,500 Min Balance $0 Details Relationship APY 0.06%. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
6 month Standard Interest Rate	0.06%	0.06%
Min Deposit $2,500 Min Balance $0 Details Relationship Interest Rate 0.06% Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
3 month Standard Fixed Rate CD	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Details Relationship APY 0.06%. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
6 month Standard Fixed Rate	0.05%	0.05%	6 months
Min Deposit $2,500 Min Balance $0 Details Relationship Interest Rate 0.06%; Relationship APY 0.06% Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
6 month Standard Fixed Rate CD	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Details Relationship APY 0.06%. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%

Wells Fargo Savings Rates

Product	Rate	APY
Platinum Savings Relationship	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 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
Platinum Savings Relationship	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 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
Platinum Savings	0.01%	0.01%
Min Deposit $25 Min Balance $0 Details Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
Way2Save Savings	0.01%	0.01%
Min Deposit $25 Min Balance $0 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
Way2Save® Savings Account	0.01%	0.01%
Min Deposit $25 Min Balance $0 Details Variable rates (compounded daily). Fees could reduce earnings. Interest is compounded daily and paid monthly. Interest is calculated and accrued daily based on the daily collected balances in the account. Accrued interest is considered to be earned and will be paid only when the total interest accrued reaches $0.01 or more. In any month the amount of accrued interest is less than $0.01, periodic statements will show no Annual Percentage Yield Earned (APYE) or interest earned though interest is accruing. Interest Rates and APYs for all checking and savings accounts are variable and can be changed by the Bank at any time. Wells Fargo interest rates offered within two or more consecutive tiers may be the same. When this is the case, multiple tiers may show as a single tier. A copy of the then-current rate sheet will be provided to you before you open your account or is available at any time upon request from a banker. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%

Wells Fargo Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed Rate	5.63%	2,800	5.88%	15-Year Fixed
Details Rates, terms, and fees as of 7/07/2026 10:15 AM Eastern Daylight Time and subject to change without notice. Based on a home in Austin, TX with a purchase price of $400,000 and a down payment of $80,000. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
30-Year Fixed-Rate VA	5.75%	2,835	5.97%	30-Year Fixed
Details Rates, terms, and fees as of 7/07/2026 10:15 AM Eastern Daylight Time and subject to change without notice. Based on a home in Austin, TX with a purchase price of $400,000 and a down payment of $80,000. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%
30-Year Fixed Rate	6.50%	2,400	6.64%	30-Year Fixed
Details Rates, terms, and fees as of 7/07/2026 10:15 AM Eastern Daylight Time and subject to change without notice. Based on a home in Austin, TX with a purchase price of $400,000 and a down payment of $80,000. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.44%

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.

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 01/01/1870

FDIC Insurance Date 01/01/1934

Domestic Offices 4,174

Total Branches 4,201

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.44%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4193%

Return on Equity (ROE) 14.8500%

Non-Performing Loans (NPL) 0.64%

Total Assets $1,822,693,000,000

Total Deposits $1,483,390,000,000

Equity Capital $173,751,000,000

Net Income $24,639,000,000

Headquarters Sioux Falls

Total Branches and Offices 4201

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

Qkwe

★★★★★

December 17, 2025

kKJk

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Average Rating

★★★★★

Total Reviews

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Frequently Asked Questions About Wells Fargo

How many branches does Wells Fargo operate?

Wells Fargo currently maintains approximately 4,201 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.