What are the current interest rates at Wells Fargo?

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

Wells Fargo Rates and Review February 2026

Content reviewed by

Brian McKay

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Wells Fargo Deposit Rates

Wells Fargo's CD 12-Month rates are at 1.50%. You can compare Wells Fargo rates to other rates in our database, including 12-month CD rates currently at 3.00%, 6-month CD rates at 3.43% and 3-month CD rates at 0.75%. Savings rates are at 0.20% and money market rates are at 0.40%. Mortgage rates on 30-year fixed loans are around 5.93%. All these rates, and more, can be found in our database of rates which you can compare to Wells Fargo rates.

Wells Fargo

Rate Updates and Availability

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.

Wells Fargo Texas Ratio

Wells Fargo's Texas Ratio is at 9.28%, which is considered excellent. The Texas Ratio for Wells Fargo is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

MonitorBankRates Rating

5.0

Excellent

Out of 5.0 Stars

Wells Fargo has earned a Smart Rating of 5.0 out of 5 stars. 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.

Overall, Wells Fargo is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs. Avg

12-Month CD

1.50%

2.38%

18-Month CD

N/A

2.14%

24-Month CD

N/A

2.17%

36-Month CD

N/A

2.11%

48-Month CD

N/A

2.10%

60-Month CD

N/A

2.23%

Savings

N/A

0.60%

MMA

N/A

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Wells Fargo

101 N Phillips Ave
Sioux Falls, SD 57104

https://wellsfargo.com

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCELLENT

🏆

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Wells Fargo CD Rates

Product	Rate	APY	Term	View More
CD 12 month	-	1.50%	12 Months
Min Deposit$2,500 DetailsIndividuals, CA Last Updated 02/13/2026

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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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.