What are the current interest rates at Wilmington Savings Fund Society (WSFS)?

Current rates for Wilmington Savings Fund Society (WSFS) include: 12-Month CD: 2.75%, 18-Month CD: 2.50%, 24-Month CD: 1.50%, 36-Month CD: 1.00%, 48-Month CD: 0.75%, 60-Month CD: 0.75%, MMA: 3.00%

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Wilmington Savings Fund Society (WSFS)

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Wilmington Savings Fund Society (WSFS) Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Wilmington Savings Fund Society (WSFS) 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

Wilmington Savings Fund Society (WSFS)'s 7-Month Certificate rates are at 4.00%, 7-month 7-Month Fixed Rate CD rates are at 4.00%, 13-Month Certificate rates are at 3.50%, 13-month 13-Month Fixed Rate CD rates are at 3.50%, 3-Month Certificate rates are at 3.00%. Wilmington Savings Fund Society (WSFS)'s money market rates are at 3.00%. MonitorBankRates evaluates the financial stability of Wilmington Savings Fund Society (WSFS) with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.38%. Rates last updated and verified on 09/18/2026.

Wilmington Savings Fund Society (WSFS) 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 Wilmington Savings Fund Society (WSFS)? Share your experience about Wilmington Savings Fund Society (WSFS) by leaving a review below, or read customer reviews before you decide to use Wilmington Savings Fund Society (WSFS).

Verified Healthy 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

3.38%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Wilmington Savings Fund Society (WSFS)

500 Delaware Ave
Wilmington, DE 19801

https://www.wsfsbank.com

Wilmington Savings Fund Society (WSFS) CD Rates

Product	Rate	APY	Term
7 Month Certificate	3.92%	4.00%	7 Month
Min Deposit $2,500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
7 Month Fixed Rate CD	-	4.00%	7-month
Min Deposit $2,500 Min Balance $2,500 Details Annual Percentage Yield (APY). The interest rate and APY are effective as of September 18, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Withdrawal penalties are as follows. For a 3-month term, the penalty is 30 days' interest. For a 6-month term, the penalty is 3 months' interest. For a term from 7-12 months, the penalty is 6 months' interest. For a term of 13 or more months, the penalty is 12 months' interest. Fees could reduce earnings on the account. Additional restrictions may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
13 Month Certificate	3.44%	3.50%	13 Month
Min Deposit $2,500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
13 Month Fixed Rate CD	-	3.50%	13-month
Min Deposit $2,500 Min Balance $2,500 Details Annual Percentage Yield (APY). The interest rate and APY are effective as of September 18, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Withdrawal penalties are as follows. For a 3-month term, the penalty is 30 days' interest. For a 6-month term, the penalty is 3 months' interest. For a term from 7-12 months, the penalty is 6 months' interest. For a term of 13 or more months, the penalty is 12 months' interest. Fees could reduce earnings on the account. Additional restrictions may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
3 Month Certificate	2.96%	3.00%	3 Month
Min Deposit $2,500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
6 Month Certificate	2.96%	3.00%	6 Month
Min Deposit $2,500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
12 Month Certificate	2.71%	2.75%	12 Month
Min Deposit $2,500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
18 Month Certificate	2.47%	2.50%	18 Month
Min Deposit $2,500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
24 Month Certificate	1.49%	1.50%	24 Month
Min Deposit $2,500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
36 Month Certificate	1.00%	1.00%	36 Month
Min Deposit $2,500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
48 Month Certificate	0.75%	0.75%	48 Month
Min Deposit $2,500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
60 Month Certificate	0.75%	0.75%	60 Month
Min Deposit $2,500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Wilmington Savings Fund Society (WSFS) Money Market Rates

Product	Rate	APY	View More
High-Yield Money Market	-	3.00%
Min Balance $100,000 Details Earn premium rates while maintaining easy access to your money. Earn bonus rates with a qualifying checking account. No monthly fee when you maintain a $10,000 daily balance. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

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

Wilmington Savings Fund Society (WSFS)’s Texas Ratio stayed near 3.24% in Q3 2023 to 3.38% 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 — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$22.6B	3.38%	5.0	A+
March 31, 2026	$22.0B	3.77%	5.0	A+
December 31, 2025	$21.2B	3.54%	5.0	A+
September 30, 2025	$20.8B	3.39%	5.0	A+
June 30, 2025	$20.7B	5.30%	5.0	A+
March 31, 2025	$20.5B	4.99%	5.0	A+
December 31, 2024	$20.7B	5.45%	5.0	A+
September 30, 2024	$20.8B	4.80%	5.0	A+
June 30, 2024	$20.6B	3.19%	5.0	A+
March 31, 2024	$20.5B	3.15%	5.0	A+
December 31, 2023	$20.5B	3.54%	5.0	A+
September 30, 2023	$19.9B	3.24%	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 Wilmington Savings Fund Society (WSFS) 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 Wilmington Savings Fund Society (WSFS) 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 Wilmington Savings Fund Society (WSFS)'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Wilmington Savings Fund Society (WSFS)

Bank Holding Company WSFS FINANCIAL CORP

Address 500 Delaware Ave, Wilmington, DE 19801 · New Castle

Website https://www.wsfsbank.com

FDIC Certificate # 17838

Established 18320218

FDIC Insurance Date 19580206

Domestic Offices 95

Total Branches 95

Regulator OCC

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

3.38%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6031%

Return on Equity (ROE) 13.2200%

Non-Performing Loans (NPL) 0.34%

Total Assets $22,565,353,000

Total Deposits $19,313,830,000

Equity Capital $2,643,157,000

Net Income $175,810,000

Headquarters Wilmington

Total Branches and Offices 95

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Wilmington Savings Fund Society (WSFS) earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Wilmington Savings Fund Society (WSFS)

How many branches does Wilmington Savings Fund Society (WSFS) operate?

Wilmington Savings Fund Society (WSFS) currently maintains approximately 95 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, Wilmington Savings Fund Society (WSFS) 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, Wilmington Savings Fund Society (WSFS) provides members with tools to manage their accounts and build a solid financial history.

Does Wilmington Savings Fund Society (WSFS) offer online and mobile banking?

Most modern institutions like Wilmington Savings Fund Society (WSFS) 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.wsfsbank.com.