WaFd Bank Interest Rates
Effective 8/1/2026 and subject to change without notice. Terms on amounts over $1 million must be approved in advance. Member FDIC. Account service charges or withdrawals will reduce earnings. Please ask us for details.
7 Month CD Special*
A penalty may be assessed for early withdrawal.
Interest Rate/Annual Percentage Yield
3.92%/4.00%
13 Month CD Special*
A penalty may be assessed for early withdrawal.
Interest Rate/Annual Percentage Yield
3.92%/4.00%
19 Month CD Special*
A penalty may be assessed for early withdrawal.
Interest Rate/Annual Percentage Yield
3.44%/3.50%
30 Month CD Special*
A penalty may be assessed for early withdrawal.
Interest Rate/Annual Percentage Yield
2.90%/2.95%
High Yield Money Market**
- $25 minimum to open
- $1,000 minimum to avoid $10 monthly service charge
- $0 - $89,999
- 1.24% Interest Rate
- 1.25% Annual Percentage Yield
- $90,000 - $249,999
- 1.49% Interest Rate
- 1.50% Annual Percentage Yield
- $250,000 - $499,999
- 1.59% Interest Rate
- 1.60% Annual Percentage Yield
- $500,000 +
- 1.98% Interest Rate
- 2.00% Annual Percentage Yield
Start Savings
- $25 minimum to open
- No minimum to earn blended rate interest
- No monthly service charge
- Checking account required to open
- $0 - $500
- 4.88% Interest Rate
- 5.00% Annual Percentage Yield
- $500.01 - $1000
- 2.47% Interest Rate
- 2.50% Annual Percentage Yield
- $1000 +
- 0.10% Interest Rate
- 0.10% Annual Percentage Yield
Savings
- $25 minimum to open
- $100 minimum to earn interest
- $100 minimum balance to waive $10 monthly service charge
- $100 Plus
- 0.10% Interest Rate
- 0.10% Annual Percentage Yield
Minor Savings
- $10 minimum to open and earn interest
- No monthly service charge.
- $10 +
- 0.99% Interest Rate
- 1.00% Annual Percentage Yield
Money Market
- $25 minimum to open
- $25 minimum to open. $1,000 minimum to earn interest and avoid $10 monthly service charge.
- $1,000 - $14,999
- 0.15% Interest Rate
- 0.15% Annual Percentage Yield
- $15,000 +
- 0.20% Interest Rate
- 0.20% Annual Percentage Yield
Interest Checking
- $25 minimum to open
- Avoid monthly service charge if you maintain a $5,000 daily balance or a $50,000 balance in related accounts. Otherwise, a $12 monthly charge will apply.
- $0 - $99,999
- 0.10% Interest Rate
- 0.10% Annual Percentage Yield
- $100,000 - $249,999
- 0.15% Interest Rate
- 0.15% Annual Percentage Yield
- $250,000 +
- 0.25% Interest Rate
- 0.25% Annual Percentage Yield
Fixed Rate Certificates of Deposit
- $1,000 minimum to open ($500 minimum for minors).
- A penalty may be assessed for early withdrawal.
Choice of Terms | $1,000 + Interest Rate/APY % | $90,000 + Interest Rate/APY % | Renewal Term |
|---|---|---|---|
14 Days - 2 Months | N/A | 0.10/0.10 | 14 Days - 2 Months |
3 Months | 0.05/0.05 | 0.10/0.10 | 3 Months |
4 - 5 Months | 0.15/0.15 | 0.20/0.20 | 4 - 5 Months |
6 - 11 Months | 3.00/3.05 | 3.00/3.05 | 6 - 11 Months |
12 - 17 Months | 2.95/3.00 | 2.95/3.00 | 12 - 17 Months |
18 - 23 Months | 0.20/0.20 | 0.25/0.25 | 18 - 23 Months |
24 - 35 Months | 0.20/0.20 | 0.25/0.25 | 24 - 35 Months |
36 - 47 Months | 0.20/0.20 | 0.25/0.25 | 36 - 47 Months |
48 - 59 Months | 0.25/0.25 | 0.30/0.30 | 48 - 59 Months |
60 Months | 0.30/0.30 | 0.35/0.35 | 60 Months |