But this is still an incredibly small APY compared to other banks on the market, like Marcus. You can bump this rate to 0.02% APY by linking the CD to a Wells Fargo Prime Checking, Premier Checking or Private Bank Interest Checking account. All three terms earn just 0.01% APY no matter how large a balance you carry on the account. Wells Fargo standard CDs come as 3 term options: 3 month, 6 month and 12 month. It is renewable at 6 months and requires a $5,000 minimum deposit. This 9-month CD features a 0.05% APY but just one term option. With a minimum deposit of $2,500 and a number of term options, you can earn up to 1.5% APY on your balance. Wells Fargo offers two types of taxable CDs: This is because Wells Fargo's CD terms and APYs simply can't compete with the top performing CDs on the market. The Wells Fargo CD lineup is best for die-hard Wells Fargo fans or at least those who already bank with Wells Fargo and don't want to open a new account elsewhere. All international money transfer services.