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WaFd Bank Rates & Review October 2026

Q: What are the current interest rates at WaFd Bank?

Current rates for WaFd Bank include: 12-Month CD: 3.00%, 18-Month CD: 3.00%, 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%

Q: What CD terms does WaFd Bank offer?

The WaFd Bank CD terms we track include 7 month, 12 month, 13 month, 18 month, 2 year, 3 year, 4 year and 5 year terms, with rates from 3.60% to 4.10% APY. The institution may offer other terms or specials that are not listed here, so check with WaFd Bank for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 22, 2026

WaFd Bank's 13-Month CD Special rates are at 4.10%, Business 13-Month CD Special rates are at 4.10%, Personal 13-Month CD Special rates are at 4.10%, 7-Month CD Special rates are at 3.60%, Business 7-Month CD Special rates are at 3.60%. WaFd Bank's savings rates are at 5.00%. WaFd Bank's money market rates are at 2.00%. WaFd Bank's checking rates are as high as 0.25%. WaFd Bank's Personal Loan Rates are as low as 16.49%. WaFd Bank's Credit Card Rates are at 16.49%. 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 10/22/2026.

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 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	4.01%	4.10%	13 Month
Min Deposit $1,000 Details Open Online Last Updated 10/22/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Oct 20, 20264.10%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Personal 13 Month CD Special	4.01%	4.10%	13 months
Min Deposit $1,000 Details Open Online; A penalty may be assessed for early withdrawal. Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
7 Month CD Special	3.53%	3.60%	7 Month
Min Deposit $1,000 Details Open Online Last Updated 10/22/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 3.60% ▼ 0.40 pts · high 4.00% / low 3.60% Oct 20, 20263.60%▼ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Personal 7 Month CD Special	3.53%	3.60%	7 months
Min Deposit $1,000 Details Open Online; A penalty may be assessed for early withdrawal. Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 3.60% APY 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 Open Online Last Updated 10/22/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Personal 19 Month CD Special	3.44%	3.50%	19 months
Min Deposit $1,000 Details Open Online; A penalty may be assessed for early withdrawal. Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 3.50% APY 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 Deposit $1,000 Min Balance $1,000 Details Tier: $1,000+; Renewal Term: 6 - 11 Months Last Updated 10/22/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 8 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 Deposit $1,000 Min Balance $90,000 Details Tier: $90,000+; Renewal Term: 6 - 11 Months Last Updated 10/22/2026 Rate History No change since Oct 7, 2026 · 3.05% 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 Deposit $1,000 Min Balance $1,000 Details Tier: $1,000+; Renewal Term: 12 - 17 Months Last Updated 10/22/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 8 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 Deposit $1,000 Min Balance $90,000 Details Tier: $90,000+; Renewal Term: 12 - 17 Months Last Updated 10/22/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
6 - 11 Month Fixed Rate Certificate of Deposit	3.00%	3.00%	6 - 11 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 +; Open Online; Renewal Term: 6 - 11 Months; A penalty may be assessed for early withdrawal Last Updated 10/22/2026 Rate History 2 changes since Sep 18, 2026 · 0.20% → 3.00% ▲ 2.80 pts · high 3.05% / low 0.20% Oct 22, 20263.00%▼ from 3.05% Sep 24, 20263.05%▲ from 0.20% Sep 18, 20260.20%first recorded 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 Open Online Last Updated 10/22/2026 Rate History No change since Sep 18, 2026 · 2.95% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Personal 30 Month CD Special	2.90%	2.95%	30 months
Min Deposit $1,000 Details Open Online; A penalty may be assessed for early withdrawal. Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 2.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
60 Month Fixed Rate Certificates of Deposit	0.35%	0.35%	60 Months
Min Deposit $1,000 Min Balance $90,000 Details Tier: $90,000+; Renewal Term: 60 Months Last Updated 10/22/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
48 - 59 Month Fixed Rate Certificates of Deposit	0.30%	0.30%	48 - 59 Months
Min Deposit $1,000 Min Balance $90,000 Details Tier: $90,000+; Renewal Term: 48 - 59 Months Last Updated 10/22/2026 Rate History No change since Oct 7, 2026 · 0.30% APY · checked 5 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 Deposit $1,000 Min Balance $1,000 Details Tier: $1,000+; Renewal Term: 60 Months Last Updated 10/22/2026 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	0.25%	0.25%	18 - 23 Months
Min Deposit $1,000 Min Balance $90,000 Details Tier: $90,000+; Renewal Term: 18 - 23 Months Last Updated 10/22/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
24 - 35 Month Fixed Rate Certificates of Deposit	0.25%	0.25%	24 - 35 Months
Min Deposit $1,000 Min Balance $90,000 Details Tier: $90,000+; Renewal Term: 24 - 35 Months Last Updated 10/22/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
36 - 47 Month Fixed Rate Certificates of Deposit	0.25%	0.25%	36 - 47 Months
Min Deposit $1,000 Min Balance $90,000 Details Tier: $90,000+; Renewal Term: 36 - 47 Months Last Updated 10/22/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 5 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 Deposit $1,000 Min Balance $1,000 Details Tier: $1,000+; Renewal Term: 48 - 59 Months Last Updated 10/22/2026 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 Deposit $1,000 Min Balance $1,000 Details Tier: $1,000+; Renewal Term: 18 - 23 Months Last Updated 10/22/2026 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 Deposit $1,000 Min Balance $1,000 Details Tier: $1,000+; Renewal Term: 24 - 35 Months Last Updated 10/22/2026 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 Deposit $1,000 Min Balance $1,000 Details Tier: $1,000+; Renewal Term: 36 - 47 Months Last Updated 10/22/2026 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 Deposit $1,000 Min Balance $90,000 Details Tier: $90,000+; Renewal Term: 4 - 5 Months Last Updated 10/22/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 5 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 Deposit $1,000 Min Balance $1,000 Details Tier: $1,000+; Renewal Term: 4 - 5 Months Last Updated 10/22/2026 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 Deposit $1,000 Min Balance $90,000 Details Tier: $90,000+; Renewal Term: 14 Days - 2 Months Last Updated 10/22/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 5 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 Deposit $1,000 Min Balance $90,000 Details Tier: $90,000+; Renewal Term: 3 Months Last Updated 10/22/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 5 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 Deposit $1,000 Min Balance $1,000 Details Tier: $1,000+; Renewal Term: 3 Months Last Updated 10/22/2026 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
Business 13 Month CD Special	4.01%	4.10%	13 months
Details Call or text 206-202-0533; A penalty may be assessed for early withdrawal. Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Business 7 Month CD Special	3.53%	3.60%	7 months
Details Call or text 206-202-0533; A penalty may be assessed for early withdrawal. Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Business 19 Month CD Special	3.44%	3.50%	19 months
Details Call or text 206-202-0533; A penalty may be assessed for early withdrawal. Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Business 6-11 month CD Special	3.00%	3.05%	6-11 months
Details Call or text 206-202-0533; A penalty may be assessed for early withdrawal. Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Business 30 Month CD Special	2.90%	2.95%	30 months
Details Call or text 206-202-0533; A penalty may be assessed for early withdrawal. Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 2.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%

WaFd Bank Savings Rates

Product	Rate	APY
Personal Start Savings Account	4.88%	5.00%
Min Deposit $25 Min Balance $0 Details Balance: $0 - $500; Open Online; No minimum to earn blended rate interest; No monthly service charge; Checking account required to open Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Start Savings	4.88%	5.00%
Min Deposit $25 Min Balance $0 Details Balance: $0 - $500; No minimum to earn blended rate interest; No monthly service charge; Checking account required to open; Open Online Last Updated 10/22/2026 Rate History No change since Sep 24, 2026 · 5.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Minor Savings	-	1.00%
Min Deposit $10 Min Balance $10 Details Balance: $10 +; No monthly service charge; Open Online Last Updated 10/22/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Personal Minor Savings	0.99%	1.00%
Min Deposit $10 Min Balance $10 Details Balance: $10 +; Savings account for minors, managed by an adult; Open Online; No monthly service charge Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Personal Savings	0.10%	0.10%
Min Deposit $25 Min Balance $100 Details Balance: $100 +; Open Online; $100 minimum to earn interest; $100 minimum balance to waive $3 monthly service charge Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.10% APY 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 Balance: $100 Plus; $100 minimum to earn interest; $100 minimum balance to waive $10 monthly service charge; Open Online Last Updated 10/22/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 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; Not available for IRAs or Business; Promotion may be discontinued at any time; Open Online Last Updated 10/22/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Personal High Yield Money Market	1.98%	2.00%
Min Deposit $25 Min Balance $500,000 Details Balance: $500,000 +; Open Online; $1,000 minimum to avoid $10 monthly service charge Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 2.00% APY 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; Not available for IRAs or Business; Promotion may be discontinued at any time; Open Online Last Updated 10/22/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Personal High Yield Money Market	1.59%	1.60%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000 - $499,999; Open Online; $1,000 minimum to avoid $10 monthly service charge Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 1.60% APY 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; Not available for IRAs or Business; Promotion may be discontinued at any time; Open Online Last Updated 10/22/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Personal High Yield Money Market	1.49%	1.50%
Min Deposit $25 Min Balance $90,000 Details Balance: $90,000 - $249,999; Open Online; $1,000 minimum to avoid $10 monthly service charge Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 1.50% APY 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; Open Online Last Updated 10/22/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Personal Money Market	0.20%	0.20%
Min Deposit $25 Min Balance $15,000 Details Balance: $15,000 +; Open Online; $1,000 minimum to earn interest and avoid $10 monthly service charge Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.20% APY 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; Open Online Last Updated 10/22/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Personal Money Market	0.15%	0.15%
Min Deposit $25 Min Balance $1,000 Details Balance: $1,000 - $14,999; Open Online; $1,000 minimum to earn interest and avoid $10 monthly service charge Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%

WaFd Bank Business Money Market Rates

Product	Rate	APY
Business Premium Money Market	0.99%	1.00%
Min Deposit $100 Min Balance $15,000 Details Balance: $15,000 +; $1,000 minimum to earn interest and avoid $12 monthly service charge; Maximum $100,000 deposit per client; Open Online Last Updated 10/22/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Business Money Market	0.90%	0.90%
Min Deposit $100 Min Balance $90,000 Details Balance: $90,000 +; $1,000 minimum to earn interest; $1,000 to avoid $10 monthly service charge; Open in Branch Last Updated 10/22/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 9 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 Details Balance: $1,000 - $89,999; $1,000 minimum to earn interest; $1,000 to avoid $10 monthly service charge; Open in Branch Last Updated 10/22/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 9 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; $1,000 minimum to earn interest and avoid $12 monthly service charge; Maximum $100,000 deposit per client; Open Online Last Updated 10/22/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 9 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 with $5,000 daily balance or $50,000 in related accounts, otherwise $12 monthly charge; Open Online Last Updated 10/22/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Personal Interest Checking	0.25%	0.25%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000 +; Open Online; Avoid monthly service charge with $5,000 daily balance or $50,000 in related accounts, otherwise $12 monthly charge Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.25% APY 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 with $5,000 daily balance or $50,000 in related accounts, otherwise $12 monthly charge; Open Online Last Updated 10/22/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Personal Interest Checking	0.15%	0.15%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $249,999; Open Online; Avoid monthly service charge with $5,000 daily balance or $50,000 in related accounts, otherwise $12 monthly charge Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.15% APY 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 with $5,000 daily balance or $50,000 in related accounts, otherwise $12 monthly charge; Open Online Last Updated 10/22/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Personal Interest Checking	0.10%	0.10%
Min Deposit $25 Min Balance $0 Details Balance: $0 - $99,999; Open Online; Avoid monthly service charge with $5,000 daily balance or $50,000 in related accounts, otherwise $12 monthly charge Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 0.10% APY 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 Balance: $10,000 - $7,999,999; $1,000 minimum to earn interest; $5,000 minimum to avoid $15 service charge; Open Online Last Updated 10/22/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Business Interest Checking	0.25%	0.25%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 - $7,999,999; Open Online; $1,000 minimum balance to earn interest; $5,000 minimum balance to avoid $15 service charge Last Updated 10/22/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 9 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 Balance: $1,000 - $9,999; $1,000 minimum to earn interest; $5,000 minimum to avoid $15 service charge; Open Online Last Updated 10/22/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%
Business Interest Checking	0.15%	0.15%
Min Deposit $100 Min Balance $1,000 Details Balance: $1,000 - $9,999; Open Online; $1,000 minimum balance to earn interest; $5,000 minimum balance to avoid $15 service charge Last Updated 10/22/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%

WaFd Bank Credit Card Rates

Product	Rate	APR	View More
Personal Cash Back Credit Card	-	16.49%
Details Annual Percentage Rate (APR) for Purchases; Not available for IRAs or Business. Promotion may be discontinued at any time Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 16.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.48%

WaFd Bank Personal Loan Rates

Product	APR	Term	View More
Personal Cash Back Credit Card	16.49%
Details Annual Percentage Rate (APR) for Purchases; Not available for IRAs or Business. Promotion may be discontinued at any time Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 16.49% APR 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.
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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

Bank Name WaFd Bank

Website https://www.wafdbank.com

Address 425 Pike St, Seattle, WA 98101 · King

Bank Holding Company WAFD INC

FDIC Certificate # 28088

Regulator FDIC

Established January 1, 1917

FDIC Insurance Date August 9, 1989

Domestic Offices 214

Total Branches 213

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.48%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.9897%

Return on Equity (ROE)

8.9800%

Non-Performing Loans Ratio (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 June 30, 2026

2026 MBR Health & Safety Badge

WaFd Bank 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for WaFd Bank yet. Feel free to create one below.

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Total Reviews

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Frequently Asked Questions About WaFd Bank

Does WaFd Bank offer CDs?

Yes. WaFd Bank offers certificates of deposit (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Are CDs from WaFd Bank FDIC insured?

Yes. WaFd Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at WaFd Bank?

The highest CD rate MonitorBankRates has verified for WaFd Bank is 4.10% APY on its 13-Month CD Special, as of October 22, 2026.

What CD terms does WaFd Bank offer?

The WaFd Bank CD terms we track include 7 month, 12 month, 13 month, 18 month, 2 year, 3 year, 4 year and 5 year terms, with rates from 3.60% to 4.10% APY. The institution may offer other terms or specials that are not listed here, so check with WaFd Bank for its full lineup.

What is the highest savings rate at WaFd Bank?

The highest savings rate MonitorBankRates has verified for WaFd Bank is 5.00% APY on its Personal Start Savings Account, as of October 22, 2026.

What is the highest money market rate at WaFd Bank?

The highest money market rate MonitorBankRates has verified for WaFd Bank is 2.00% APY on its High Yield Money Market, as of October 22, 2026.

What is the highest checking rate at WaFd Bank?

The highest checking rate MonitorBankRates has verified for WaFd Bank is 0.25% APY on its Business Interest Checking, as of October 22, 2026.

What is the lowest personal loan rate at WaFd Bank?

The lowest personal loan rate MonitorBankRates has verified for WaFd Bank is 16.49% APR on its Personal Cash Back Credit Card, as of October 22, 2026.

What is the lowest credit card APR at WaFd Bank?

The lowest credit card rate MonitorBankRates has verified for WaFd Bank is 16.49% APR on its Personal Cash Back Credit Card, as of October 22, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do WaFd Bank rates compare?

WaFd Bank's top rates are 4.10% APY on its 13-Month CD Special, 5.00% APY on savings, 2.00% APY on money market, 0.25% APY on checking, personal loans from 16.49% APR and credit cards from 16.49% APR, verified by MonitorBankRates on October 22, 2026. To compare WaFd Bank with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best checking rates, updated daily from banks and credit unions across the country.

Current WaFd Bank Rates

12-Month CD3.00%
18-Month CD3.00%
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.

WaFd Bank Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

WaFd Bank Texas Ratio

WaFd Bank Health Trend

WaFd Bank CD Rates

WaFd Bank Business CD Rates

WaFd Bank Savings Rates

WaFd Bank Money Market Rates

WaFd Bank Business Money Market Rates

WaFd Bank Checking Rates

WaFd Bank Business Checking Rates

WaFd Bank Credit Card Rates

WaFd Bank Personal Loan Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

WaFd Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About WaFd Bank

Does WaFd Bank offer CDs?

Are CDs from WaFd Bank FDIC insured?

What is the highest CD rate at WaFd Bank?

What CD terms does WaFd Bank offer?

What is the highest savings rate at WaFd Bank?

What is the highest money market rate at WaFd Bank?

What is the highest checking rate at WaFd Bank?

What is the lowest personal loan rate at WaFd Bank?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do WaFd Bank rates compare?

Current WaFd Bank Rates

Compare to Other Banks