WaFd Bank Interest Rates

Effective 5/15/2025 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.

Fixed Rate Certificates of Deposit

Download California Rate Sheet

30 Month CD Special

High Yield Money Market

7 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

3.97%/4.05%

Without Eligible^† Checking:

Interest Rate/Annual Percentage Yield

3.87%/3.95%

Open in Branch

13 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

3.68%/3.75%

Without Eligible^† Checking:

Interest Rate/Annual Percentage Yield

3.58%/3.65%

Open in Branch

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%

Open in Branch

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%

Open in Branch

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

Open an Account

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

Open an Account

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

Open an Account

Minor Savings

$10 minimum to open and earn interest
No monthly service charge.

$10 +
0.99% Interest Rate
1.00% Annual Percentage Yield

Open an Account

Money Market

$25 minimum to open
$25 minimum to open. $1,000 minimum to earn interest and avoid $10 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

Open an Account

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

Open an Account

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	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, 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

*** Not available for IRAs.