WaFd Bank Personal and Business Account Rates
We offer competitive rates on personal and business banking products, including checking, savings, money market accounts, and certificates of deposit. Rates, terms, and eligibility vary based on whether the account is opened for personal or business use.
- Personal Banking Accounts and Rates
- Business Banking Accounts and Rates
Personal Banking Accounts and Rates
Personal banking accounts are designed for individuals and families managing everyday finances, savings goals, and personal investments. These products are not intended for business, nonprofit, or commercial use.
Personal Savings
A penalty may be assessed for early withdrawal.
Interest Rate/Annual Percentage Yield
3.44%/3.50%
A penalty may be assessed for early withdrawal.
Interest Rate/Annual Percentage Yield
3.24%/3.30%
A penalty may be assessed for early withdrawal.
Interest Rate/Annual Percentage Yield
3.10%/3.15%
A penalty may be assessed for early withdrawal.
Interest Rate/Annual Percentage Yield
2.90%/2.95%
$25 minimum to open
$1,000 minimum to avoid $10 monthly service charge
$0 - $89,999
1.24% Interest Rate
1.25% Annual Percentage Yield
1.25% Annual Percentage Yield
$90,000 - $249,999
1.49% Interest Rate
1.50% Annual Percentage Yield
1.50% Annual Percentage Yield
$250,000 - $499,999
1.59% Interest Rate
1.60% Annual Percentage Yield
1.60% Annual Percentage Yield
$500,000 +
1.98% Interest Rate
2.00% Annual Percentage Yield
2.00% Annual Percentage Yield
$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
5.00 Annual Percentage Yield
$500.01 - $1000
2.47 Interest Rate
2.50 Annual Percentage Yield
2.50 Annual Percentage Yield
$1000 +
0.10 Interest Rate
0.10 Annual Percentage Yield
0.10 Annual Percentage Yield
$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
0.10% Annual Percentage Yield
$10 minimum to open and earn interest
No monthly service charge
$10 +
0.99% Interest Rate
1.00% Annual Percentage Yield
1.00% Annual Percentage Yield
$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
0.15% Annual Percentage Yield
$15,000 +
0.20% Interest Rate
0.20% Annual Percentage Yield
0.20% Annual Percentage Yield
$1,000 minimum to open ($500 minimum for minors).
A penalty may be assessed for early withdrawal.
| 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 | 3.00/3.05 | 3.00/3.05 | 6 - 11 Months |
| 12 - 17 Months | 2.95/3.00 | 2.95/3.00 | 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 |
Personal Checking Accounts
$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
0.10% Annual Percentage Yield
$100,000 - $249,000
0.15% Interest Rate
0.15% Annual Percentage Yield
0.15% Annual Percentage Yield
$250,000 +
0.25% Interest Rate
0.25% Annual Percentage Yield
0.25% Annual Percentage Yield
Personal Credit Card
16.49% Annual Percentage Rate (APR) for Purchases
*$1,000 minimum to open
**Not available for IRAs or Business. Promotion may be discontinued at any time
Business Banking Rates and Accounts
Business banking accounts are designed for small businesses, nonprofits, and commercial clients to manage operating funds, payroll, and business savings. These accounts are separate from personal banking products and may have different eligibility, pricing, and service requirements.
Business Savings Accounts
A penalty may be assessed for early withdrawal.
Interest Rate/Annual Percentage Yield
3.00%/3.05%
A penalty may be assessed for early withdrawal.
Interest Rate/Annual Percentage Yield
3.44%/3.50%
A penalty may be assessed for early withdrawal.
Interest Rate/Annual Percentage Yield
3.24%/3.30%
A penalty may be assessed for early withdrawal.
Interest Rate/Annual Percentage Yield
3.10%/3.15%
A penalty may be assessed for early withdrawal.
Interest Rate/Annual Percentage Yield
2.90%/2.95%
$25 minimum to open
$100+ minimum to earn interest
$200 to avoid $5 monthly service charge.
$100+
0.40% Interest Rate
0.40% Annual Percentage Yield
0.40% Annual Percentage Yield
$100 minimum to open
$1,000 minimum to earn
$1,000 to avoid $12 monthly service charge
$1,000 - $89,999
0.80% Interest Rate
0.80% Annual Percentage Yield
0.80% Annual Percentage Yield
$90,000 +
0.90% Interest Rate
0.90% Annual Percentage Yield
0.90% Annual Percentage Yield
$25,000 initial deposit to open.
Minimum balance to waive monthly fee: $25,000
Minimum balance to earn interest: $100,000
$10 monthly fee for personal accounts
$12 monthly fee for business accounts
$100,000 +
For rate information, contact your banker
Business Checking Accounts
$100 initial deposit to open.
$1,000 minimum to earn interest.
$5,000 minimum to avoid $15 service charge.
$1,000 - $9,999
0.15% Interest Rate
0.15% Annual Percentage Yield
0.15% Annual Percentage Yield
$10,000 - $7,999,999
0.25% Interest Rate
0.25% Annual Percentage Yield
0.25% Annual Percentage Yield
$0 initial deposit to open.
$75 flat monthly fee
$100 initial deposit to open.
Fee based on transaction volume. Use your account balance to offset fees.
A penalty may be assessed for early withdrawal
Business Credit Cards
For rate information, contact your banker
For rate information, contact your banker
Contact your Commercial/Treasury Relationship Manager
*$1,000 minimum to open
**$100 minimum to open. $1,000 minimum to earn interest and avoid $12 monthly service charge. Maximum $100,000 deposit per client.
***This offer is for new money and requires a qualifying account. Annual percentage yield (APY) and interest rate accurate as of 06/01/2025. The interest rate is based on a margin of the Federal Funds rate. This is a variable rate account, the rate may change at any time without notice. Fees may reduce earnings. Contact WaFd Bank for details.
