Latest Wells Fargo Interest Rates - September 2026

Wells Fargo Interest Rates & Loan Products Overview

Quick Summary: Official interest rates and consumer loan products published by Wells Fargo Bank, N.A. (WFC) across the United States:

Key Benchmark & Deposit Rates:

• Reference Prime Rate: Stands at 6.75%, serving as the benchmark index for lines of credit, variable personal loans, and credit card financing.
• Savings & CDs: Wells Fargo Way2Save Savings earns a base 0.01% APY. Standard Fixed-Rate CDs yield 0.50% APY for short terms (3–6 months) and up to 1.50% APY for 12 months, while featured Special Fixed-Rate CDs (4-month to 11-month) offer promotional yields up to 3.05% – 3.54% APY.

Consumer Loans & Retail Financing:

• Mortgage Loans: Standard 30-Year Fixed purchase home loan rates start at 6.750% (approx. 6.884% APR), alongside 15-Year Fixed (6.000%) and 7/6-Month ARM (6.375%) options with maximum terms up to 30 years and no prepayment penalties.
• Unsecured Personal Loans: Fixed APRs range from 6.74% to 26.74% for borrowing amounts between $3,000 and $100,000 with terms of 12 to 84 months (including a 0.25% relationship discount for automatic payments).
• Auto Financing: Wells Fargo originates consumer auto loans almost exclusively through affiliated car dealerships (indirect lending) rather than direct retail branch/online applications, so direct standardized consumer rates are not published.
• Credit Cards: Mainstream consumer cards (such as the Wells Fargo Active Cash Card) feature an introductory 0% APR for 12 months, followed by a regular purchase APR starting at 18.49% (variable based on Prime) with a 25-day grace period.

💡 Financial Tip: Interest rates and CD APYs vary by geographic ZIP code and relationship status (such as Prime Checking or Premier Checking relationship tiers). Confirm exact localized rates directly on WellsFargo.com prior to applying.