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Certificates of Deposit (CDs)

A WaFd Bank Certificate of Deposit (CD) earns interest on a lump sum for a fixed period of time. We offer terms ranging from 141 days to 5 years. All of our CDs have a minimum balance of $1,000 to open ($500 for minors).

114 day CDs earn interest starting at $90,000, all others earn interest starting at $1,000.

7 Month CD Special

  • $1,000 minimum to open ($500 minimum to open for minors)
  • Minimum to earn interest is $1,000 ($500 for minors)
With Eligible† Checking:
Interest Rate/Annual Percentage Yield

3.92%/4.00%

Interest Rate/APY Without Eligible† Checking:
Interest Rate/Annual Percentage Yield

3.82%/3.90%

WaFd Bank will not run your credit for this application.2

13 Month CD Special

  • $1,000 minimum to open ($500 minimum to open for minors)
  • Minimum to earn interest is $1,000 ($500 for minors)
$1,000 - $500,000
With Eligible† Checking:
Interest Rate/Annual Percentage Yield

3.92%/4.00%

Interest Rate/APY Without Eligible† Checking:
Interest Rate/Annual Percentage Yield

3.82%/3.90%

WaFd Bank will not run your credit for this application.2

†Checking accounts eligible for higher interest rates/APY include Free, Green, Stellar Plus or Select Checking.

Certificate of Deposit

  • Only $1000 initial deposit ($500 for minors, $100 for IRAs)
  • Minimum to earn interest is $1,000. ($500 for minors, $100 for IRAs).
  • Terms from 3 months to 5 years. Monthly interest payments available for accounts with $10,000 or more.
Choice of Terms$1,000 + Rate/APY %$90,000 + Rate/APY %Renewal Term
14 Days - 2 MonthsN/A0.10/0.1014 Days - 2 Months
3 Months0.05/0.050.10/0.103 Months
4 - 5 Months0.10/0.100.15/0.154 - 5 Months
6 - 11 Months0.15/0.150.20/0.206 - 11 Months
12 - 17 Months0.20/0.200.25/0.2512 - 17 Months
18 - 23 Months0.20/0.200.25/0.2518 - 23 Months
24 - 35 Months0.20/0.200.25/0.2524 - 35 Months
36 - 47 Months0.20/0.200.25/0.2536 - 47 Months
48 - 59 Months0.25/0.250.30/0.3048 - 59 Months
60 Months0.30/0.300.35/0.3560 Months

WaFd Bank will not run your credit for this application.2

2For account opening WaFd Bank does not pull your credit from one of the three main credit bureaus. We will review OFAC and ChexSystems®.

Contact Us

For more information about our account services, or to talk to our Client Care Directors.