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Table of Contents

Chase CD Rates

Chase offers flexible terms but low APYs on its certificates of deposit

By
Rebecca Safier
Rebecca Safier
Full Bio
Rebecca has been writing about personal finance for more than seven years. Her work has been published in MarketWatch, U.S. News & World Report, and other publications, and she has contributed expert commentary to Fortune, Money, NBC, and more.?
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Updated September 18, 2023
Fact checked by
Michael Rosenston
Michael Rosenston
Fact checked by Michael Rosenston
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Michael Rosenston is a fact-checker and researcher with expertise in business, finance, and insurance.
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Chase CD Rates

With over 4,700 branches across the U.S,, Chase Bank is one of the largest full-service banks in the country. While Chase offers a wide variety of terms on its CDs, its rates are on the low side. Current Chase customers will qualify for a slightly higher rate than non-customers.?

Here’s an overview of Chase Bank’s CD rates for various terms and balances. The standard rates are for non-Chase customers, while the relationship rates are for customers with a linked Chase personal checking account.?

Chase's CD rates may vary by location, and the rates listed below may not be available in all zip codes. The APYs listed below use NYC zip code 10001 and are up to date as of the date of publication of this article. We review CD rates every two weeks and update the information below accordingly.

Chase Standard CD Overview
?CD Term ?APY Across All Balances ?Minimum Deposit
All monthly terms: 1, 2, 3–5, 6–8, 9–11, 12–14, 15–17, 18–20, 21–23, 24–29, 30–35, 36–41, 42–47, 48–120 0.01% $1,000
Chase Relationship CD Overview
?CD Term ?APY ($1,000–$9,999) ?APY ($10,000–$99,999) ?APY ($100,000+)
1 month 0.02% 0.02% 0.02%
2 months? 0.02%? 0.02%? 0.02%?
3–5 months (Featured Terms)? 3.00%? 3.00%? 3.00%?
6–8 months?(Featured Terms)? 4.00%? 4.00%? 5.00%?
9–11 months? 0.02%? 0.05%? 0.05%?
12–14 months (Featured Terms)? 3.00%? 3.00%? 3.75%?
15–17 months? 0.02%? 0.05%? 0.05%?
18–20 months? 0.02%? 0.05%? 0.05%?
21–23 months? 0.02%? 0.05%? 0.05%?
24–29 months? 2.00%? 2.00%? 2.00%?
30–35 months? 1.50%? 1.50%? 1.50%?
36–41 months? 2.00%? 2.00%? 2.00%?
42–47 months? 1.50%? 1.50%? 1.50%?
48–120 months 1.50%? 1.50%? 1.50%

Chase Bank CDs: Key Features

APY Range Standard rate: 0.01%; Relationship rates: 0.02%–5.00%
Minimum Deposit? $1,000?
Term Range? 1–120 months?
Early Withdrawal Penalty? 90 days of interest for terms less than 6 months; 180 days interest for terms of 6–24 months; 365 days interest for terms of 24 months or longer

When your Chase CD matures, or reaches the end of its term, you have 10 days to make changes or withdraw the money. Otherwise, your CD will automatically renew with the same rate and term.

Compare Savings Rates

Does Chase Have a Minimum Deposit to Open a CD Account?

The minimum deposit requirement to open a Chase Bank CD account is $1,000.

What Are the APYs of a Chase CD Account?

If you have a linked Chase checking account, you can receive a CD account APY anywhere from 0.02% to 5.00%, depending on your CD term and balance. Chase’s three-month, six-month, and 12-month CDs have some of the highest rates. If you’re not a Chase customer, you’ll receive a much lower standard rate, regardless of your CD term or balance.

What Are the Term Options for a Chase CD Account?

The term options for a Chase CD account range from 1 to 120 months. Different term lengths have different APYs, and early withdrawal penalties will apply. Learn about short-term vs. long-term CDs here.

Do You Need a Chase Checking Account to Open a Chase CD Account?

You don’t need a Chase checking account to open a Chase CD account. However, you need to link a Chase personal checking account to your CD to qualify for Chase’s relationship rates, which vary based on CD term and balance.?

If you don’t bank with Chase, you’ll be limited to a low CD rate across all CD terms and balances.?

Article Sources
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  1. JPMorgan Chase & Co. "About Chase."

  2. Chase. "Consumer Deposit Rates," Page 2.

  3. Chase. "Bank CD Rates."

  4. JPMorgan Chase & Co. "Here’s What to Do When Your CD Matures."?