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Chase offers customers a selection of certificates of deposit spanning a range of term lengths. These CDs may be a good place to build savings for customers looking for unique term lengths, but when it comes to annual percentage yields (APYs), much higher rates can be found elsewhere.
Chase earned 3.9 out of 5 stars in Bankrate’s review across its deposit products, while its CDs earned 4.1 out of 5 stars.
Chase CD rates
Chase offers two types of CDs: standard rates and tiered relationship rates for those customers who also have a Chase checking account.
Here are the rates for the standard CDs offered by Chase:
Account | Term | Standard APY | Relationship APY | Minimum balance |
---|---|---|---|---|
Standard CD | 1 month | 0.01% | 0.02% | $1,000 |
Standard CD | 2 month | 0.01% | 0.02% | $1,000 |
Standard CD | 3-5 months | 0.01% | 2.00% | $1,000 |
Standard CD | 6-8 months | 0.01% | 0.02% | $1,000 |
Standard CD | 9-11 months | 0.01% | 0.02% | $1,000 |
Standard CD | 12-14 months | 0.01% | 3.00% | $1,000 |
Standard CD | 15-17 months | 0.01% | 0.02% | $1,000 |
Standard CD | 18-20 months | 0.01% | 0.02% | $1,000 |
Standard CD | 21-23 months | 0.01% | 0.02% | $1,000 |
Standard CD | 24-29 months | 0.01% | 2.00% | $1,000 |
Standard CD | 30-35 months | 0.01% | 1.50% | $1,000 |
Standard CD | 36-41 months | 0.01% | 2.00% | $1,000 |
Standard CD | 42-47 months | 0.01% | 1.50% | $1,000 |
Standard CD | 48-120 months | 0.01% | 1.50% | $1,000 |
Note: Annual percentage yields (APYs) shown are as of Jan. 23, 2023, and may vary by region for some products.
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, Chase may not be the best option. If you’re seeking more rewarding APYs and are interested in online banking, consider:
What these institutions lack in brand recognition, they make up for by offering highly competitive yields on savings. Many banks offer higher yields than Chase. 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 mediocre. Many online banks and credit unions pay higher yields.
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