Bank · FDIC insured
WaFd Bank CD Rates
WaFd Bank’s best CD rate is 4.10% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How WaFd Bank’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where WaFd Bank has the most branches. $10,000, best rate first.
This bank’s best
WaFd Bank
4.10%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $445
13 Month CD Special
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
WaFd Bank CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo0.30%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where WaFd Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
13 Month CD Special
4.10%APY · 1 term
$1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 months$1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal | 4.10% | $445 |
Sources (2)
All captured Oct 22, 2026
7 Month CD Special
3.60%APY · 1 term
$1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months$1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal | 3.60% | $208 |
19 Month CD Special
3.50%APY · 1 term
$1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 19 months$1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal | 3.50% | $560 |
Sources (2)
All captured Oct 22, 2026
Fixed Rate Certificates of Deposit
Up to 3.05%APY · 10 terms
$1,000 minimum to open ($500 minimum for minors). A penalty may be assessed for early withdrawal.
| Term | APY · $1,000 and up | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1–2 monthsTerm: 14 Days - 2 Months. Renewal Term: 14 Days - 2 Months. Rates for $1,000+ tier not available (N/A). A penalty may be assessed for early withdrawal | — | 0.10% | —0.10% from $90k | — |
| 3 monthsTerm: 3 Months. Renewal Term: 3 Months. A penalty may be assessed for early withdrawal | 0.05% | 0.10% | 0.05%0.10% from $90k | $1 |
| 4–5 monthsTerm: 4 - 5 Months. Renewal Term: 4 - 5 Months. A penalty may be assessed for early withdrawal | 0.15% | 0.20% | 0.15%0.20% from $90k | $5 |
| 6–11 monthsTerm: 6 - 11 Months. Renewal Term: 6 - 11 Months. A penalty may be assessed for early withdrawal | 3.05% | 3.05% | 3.05%3.05% from $90k | $151 |
| 12–17 monthsTerm: 12 - 17 Months. Renewal Term: 12 - 17 Months. A penalty may be assessed for early withdrawal | 3.00% | 3.00% | 3.00%3.00% from $90k | $300 |
| 18–23 monthsTerm: 18 - 23 Months. Renewal Term: 18 - 23 Months. A penalty may be assessed for early withdrawal | 0.20% | 0.25% | 0.20%0.25% from $90k | $30 |
| 24–35 monthsTerm: 24 - 35 Months. Renewal Term: 24 - 35 Months. A penalty may be assessed for early withdrawal | 0.20% | 0.25% | 0.20%0.25% from $90k | $40 |
| 36–47 monthsTerm: 36 - 47 Months. Renewal Term: 36 - 47 Months. A penalty may be assessed for early withdrawal | 0.20% | 0.25% | 0.20%0.25% from $90k | $60 |
| 48–59 monthsTerm: 48 - 59 Months. Renewal Term: 48 - 59 Months. A penalty may be assessed for early withdrawal | 0.25% | 0.30% | 0.25%0.30% from $90k | $100 |
| 60 monthsTerm: 60 Months. Renewal Term: 60 Months. A penalty may be assessed for early withdrawal | 0.30% | 0.35% | 0.30%0.35% from $90k | $151 |
30 Month CD Special
2.95%APY · 1 term
$1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 months$1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal | 2.95% | $754 |
Sources (2)
All captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.