WaFd Bank Interest Rates
Effective 9/1/2023 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.
3 Month CD Special
$1,000 minimum to open ($500 minimum to open for minors)
$1,000 - $500,000
Interest Rate/Annual Percentage Yield
4.74%/4.85%
13-Month CD Special*
$1,000 - $500,000
With Eligible† Checking:
Interest Rate/Annual Percentage Yield
4.88%/5.00%
Without Eligible† Checking:
Interest Rate/Annual Percentage Yield
4.78%/4.90%
High Yield Money Market**
- $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
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 +
- 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 Per Month monthly service charge.
- $1,000 - $89,999
- 0.15% Interest Rate
- 0.15% Annual Percentage Yield
- $90,000 +
- 0.20% Interest Rate
- 0.20% Annual Percentage Yield
Gold Money Market***
$1,000 - $14,999
Interest Rate/Annual Percentage Yield
0.25%/0.25%
0.25%/0.25%
$15,000 +
Interest Rate/Annual Percentage Yield
0.30%/0.30%
0.30%/0.30%
Stellar Plus Checking
- $25 minimum to open.
- 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 - $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.
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 | 4.74/4.85 | 4.74/4.85 | 3 Months |
| 4 - 5 Months | 4.74/4.85 | 4.74/4.85 | 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. Promotion may be discontinued at any time