Chase CD rates
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Chase offers CDs with flexible term lengths ranging from 1 month to 10 years, but let's be direct: You can earn significantly more elsewhere. While Chase provides convenience for existing customers, most of its CD rates fall well below what top-yielding banks currently offer.
Chase earned 3.5 out of 5 stars in Bankrate's overall review, while its CDs specifically earned just 3.0 out of 5 stars — reflecting rates that simply don't compete with the market's best. (You can find the best rates here.)
Chase CD rates
Chase offers two CD types: standard rates (available to anyone) and relationship rates (for customers with a Chase checking account). The relationship rates are substantially better — making a Chase checking account essentially required if you're considering these CDs.
Key details:
- Standard APYs are very low at 0.01% — don't open a Chase CD without a Chase checking account
- Relationship rates require linking a Chase checking account
- Higher rates (3.20%-3.70%) only available on select short terms (5 and 10 months)
- All longer-term CDs (over 15 months) stuck at 2.00% APY regardless of term length
- Minimum deposit: $1,000 across all terms
| 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% | 1.01% | 1.01% | $1,000 |
| 3 months | 0.01% | 1.01% | 1.01% | $1,000 |
| 4 months | 0.01% | 2.00% | 2.00% | $1,000 |
| 5 months | 0.01% | 3.20% | 3.70% | $1,000 |
| 6 - 8 months | 0.01% | 0.75% | 0.75% | $1,000 |
| 9 months | 0.01% | 0.50% | 0.50% | $1,000 |
| 10 months | 0.01% | 2.65% | 3.15% | $1,000 |
| 11 months | 0.01% | 0.50% | 0.50% | $1,000 |
| 1 year | 0.01% | 1.75% | 1.75% | $1,000 |
| 14 months | 0.01% | 1.75% | 1.75% | $1,000 |
| 15 months | 0.01% | 2.00% | 2.00% | $1,000 |
| 18-24 months | 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 Dec. 11, 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 stack up against the competition
Chase CD rates are significantly below market averages. While the bank's 5-month and 10-month promotional rates approach competitive territory, most terms pay far less than you'll find elsewhere.
These institutions generally offer highly competitive yields on savings, while Chase tends to offer much lower APYs. Read Bankrate’s list of best CD rates to find other financial institutions that reward you more for parking your savings with them.
Other savings options at Chase
Chase Savings: 0.01% APY
Chase Premier Savings: Slightly higher rates with $15,000 minimum balance requirement
Both accounts charge monthly fees unless you meet balance or activity requirements. Meanwhile, top high-yield savings accounts are currently paying over 4% APY with no fees and no minimums.
The math: On a $10,000 balance, Chase Savings earns $1 annually. A high-yield savings account earning 4.00% earns $400. That's a $399 annual difference for doing nothing except choosing a different bank.