Chase CD rates
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Chase offers customers a wide range of certificates of deposit (CDs). These CDs may be a good place to build savings for customers looking for unique term lengths, but much higher annual percentage yields (APYs) can be found elsewhere, as most terms for Chase CDs pay an APY that’s well below average.
Chase earned 3.6 out of 5 stars in Bankrate’s review across its deposit products, while its CDs earned 3.0 out of 5 stars.
Chase CD rates
Chase offers two types of CDs: standard rates and tiered relationship rates for customers with a Chase checking account. Customers can also open a CD ladder when they link a Chase Private Client checking account.
Here are the rates for the CDs offered by Chase:
| Term | Standard APYs | Relationship APYs for balances under $100,000 | Relationship APYs for balances above $100,000 | Minimum balance |
|---|---|---|---|---|
| 1 month | 0.01% | 0.02% | 0.02% | $1,000 |
| 2 months | 0.01% | 3.50% | 4.00% | $1,000 |
| 3 months | 0.01% | 2.25% | 2.25% | $1,000 |
| 6 months | 0.01% | 1.50% | 1.50% | $1,000 |
| 9 months | 0.01% | 2.00% | 2.00% | $1,000 |
| 1 year | 0.01% | 3.00% | 3.25% | $1,000 |
| 15 months | 0.01% | 2.00% | 2.00% | $1,000 |
| 18 months | 0.01% | 2.00% | 2.00% | $1,000 |
| 21 months | 0.01% | 2.00% | 2.00% | $1,000 |
| 2 years | 0.01% | 2.00% | 2.00% | $1,000 |
| 30 months | 0.01% | 2.00% | 2.00% | $1,000 |
| 3 years | 0.01% | 2.00% | 2.00% | $1,000 |
| 42 months | 0.01% | 2.00% | 2.00% | $1,000 |
| 4 years | 0.01% | 2.00% | 2.00% | $1,000 |
| 5 years | 0.01% | 2.00% | 2.00% | $1,000 |
| 7 years | 0.01% | 2.00% | 2.00% | $1,000 |
| 10 years | 0.01% | 2.00% | 2.00% | $1,000 |
Note: Annual percentage yields (APYs) shown are as of Jan. 28, 2025, and may vary by region for some products. CD terms listed above are for new CDs and term changes, according to Chase’s website.
How Chase CDs compare to top-yielding banks
Chase offers several CDs with yields that can help you grow your savings. For consumers looking for a high-yield savings account, however, there may be better options than Chase. If you’re seeking more rewarding APYs and are interested in online banking, consider the following:
These institutions generally offer highly competitive yields on savings, while Chase tends to offer much lower APYs. Read Bankrate’s list of top CD rates to find other financial institutions that reward you more for parking your savings with them.
Other savings options at Chase
In addition to CDs, Chase also offers savings accounts. The bank occasionally runs promotions that offer bonuses for new account sign-ups, but the rates on its savings accounts are below average. Many online banks and credit unions pay significantly higher yields.
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