WaFd Bank Interest Rates
Effective 11/2/2022 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*
$1,000 - $500,000
With Eligible† Checking:
Interest Rate/Annual Percentage Yield
1.34%/1.35%
Without Eligible† Checking:
Interest Rate/Annual Percentage Yield
1.24%/1.25%
13-Month CD Special*
$1,000 - $500,000
With Eligible† Checking:
Interest Rate/Annual Percentage Yield
2.47%/2.50%
Without Eligible† Checking:
Interest Rate/Annual Percentage Yield
2.37%/2.40%
Gold Money Market**
$1,000 - $14,999
Interest Rate/Annual Percentage Yield
0.25%/0.25%
0.25%/0.25%
$15,000 - Plus
Interest Rate/Annual Percentage Yield
0.30%/0.30%
0.30%/0.30%
Savings
- $25 minimum to open
- $100 minimum to earn interest
- $100 minimum balance to waive $3 Per Month 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 - $100
- 4.88% Interest Rate
- 5% Annual Percentage Yield
- $100.01 Plus
- 0.10% Interest Rate
- 0.10% Annual Percentage Yield
Money Market
- $25 minimum to open
- $25 minimum to open. $1,000 minimum to earn interest and avoid $10 Per Month monthly service charge.
- $1,000 - $89,999
- 0.15% Interest Rate
- 0.15% Annual Percentage Yield
- $90,000 - $90,000 Plus
- 0.20% Interest Rate
- 0.20% Annual Percentage Yield
High Yield Money Market***
- $1,000 - $14,999
- 0.99% Interest Rate
- 1.00% Annual Percentage Yield
- $15,000 - $89,999
- 1.24% Interest Rate
- 1.25% Annual Percentage Yield
- $90,000 - Plus
- 1.49% Interest Rate
- 1.50% Annual Percentage Yield
Stellar Plus Checking
- $25 minimum to open.
- $10,000 minimum to earn interest.
- Zero monthly service charge when you keep $20,000 or more in Stellar Plus Checking, or $100,000 or more in related deposit accounts.
- $3 monthly service charge if you keep $10,000-$19,999 in Stellar Plus Checking, or $50,000-$99,999 in related deposit accounts.
- $8 monthly service charge if you keep less than $10,000 in Stellar Plus Checking, or less than $50,000 in related deposit accounts.
- Monthly service charge is based on your average daily balances each month.
- 0.10% Interest Rate
- 0.10% 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.
Find a Branch| Choice of Terms | $1,000 + Rate/APY % | $90,000 + 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 | 0.10/0.10 | 0.15/0.15 | 4 - 5 Months |
| 6 - 11 Months | 0.15/0.15 | 0.20/0.20 | 6 - 11 Months |
| 12 - 17 Months | 0.20/0.20 | 0.25/0.25 | 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 |
† Eligible checking accounts include Free, Green, Stellar Plus or Select Checking.
* $1,000 minimum to open ($500 minimum to open for minors)
*** Not available for IRAs or Business