WaFd Bank Interest Rates
Effective 7/1/2025 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.
6-11 Months CD Special*
$1,000 - $1,000,000
A penalty may be assessed for early withdrawal.
With Eligible† Checking or $25k New Money:
Interest Rate/Annual Percentage Yield
4.01%/4.10%
Without Eligible† Checking:
Interest Rate/Annual Percentage Yield
4.01%/4.10%
19 Month CD Special*
$1,000 - $1,000,000
A penalty may be assessed for early withdrawal.
With Eligible† Checking or $25k New Money:
Interest Rate/Annual Percentage Yield
3.53%/3.60%
Without Eligible† Checking:
Interest Rate/Annual Percentage Yield
3.44%/3.50%
30 Month CD Special*
$1,000 - $1,000,000
A penalty may be assessed for early withdrawal.
With Eligible† Checking or $25k New Money:
Interest Rate/Annual Percentage Yield
3.34%/3.40%
Without Eligible† Checking:
Interest Rate/Annual Percentage Yield
3.24%/3.30%
High Yield Money Market**
- $25 minimum to open
- $1,000 minimum to earn interest and 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 - $249,000
- 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.
Open in Branch| 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 | See CD Specials for rates. | 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, Rewards, Premium Rewards, or Interest Checking.
* $1,000 minimum to open ($500 minimum to open for minors)
** Not available for IRAs or Business. Promotion may be discontinued at any time