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Chase CD Rates 2024: Low Across Terms
Chase CD rates are low across its wide terms from one month to 10 years. The best Chase CD rates are only for checking customers.
Spencer Tierney is a consumer banking writer at NerdWallet. He has covered personal finance since 2013, with a focus on certificates of deposit and other banking-related topics. His work has been featured by The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. He is based in Berkeley, California.
Sara Clarke is a Banking editor at NerdWallet. She has been an editor and project manager in newsrooms for two decades, most recently at U.S. News & World Report. She managed projects such as the U.S. News education rankings and the Best States rankings. Sara has appeared on SiriusXM Business Radio and iHeartMedia’s WHO Newsradio and has been quoted in The Salt Lake Tribune, The St. Paul (Minnesota) Pioneer Press and other outlets. She is based near Washington, D.C.
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+ See a summary of Chase CD rates
Chase CD rates
Rates vary by location and deposit amount, and whether you already have a Chase Bank checking account. Here's a range of rates for San Francisco:
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Chase’s certificates of deposit rates tend to be extremely low. There are a few exceptions among rates available to Chase checking customers, but even then the rates don’t compete with what some online banks can offer. Chase’s main strengths are the variety of CD terms and a relatively low minimum deposit.
Chase CD rates
Standard CD rates at Chase Bank are available to anyone and require a minimum deposit of $1,000, which is a typical amount. Minimum requirements for standard CDs can range from $0 to $10,000.
Relationship rates are for those who have a personal Chase checking account that they can link to a Chase CD, and higher deposits usually mean higher rates.
To open a Chase CD online, you need a Chase checking account; otherwise, visit a branch.
This is a look at some of Chase's rates for the most common CD terms plus two notable terms.
CD term
Standard rate*
Relationship rates*
3-month
0.01%.
4.25% for $1,000-$9,999.
4.25% for $10,000-$99,999.
4.75% for $100,000 or more.
9-month
0.01%.
4.00% for $1,000-$9,999.
4.00% for $10,000-$99,999.
4.50% for $100,000 or more.
1-year
0.01%.
2.00% for $1,000-$9,999.
2.00% for $10,000-$99,999.
2.00% for $100,000 or more.
3-year
0.01%.
2.50% for $1,000-$9,999.
2.50% for $10,000-$99,999.
2.50% for $100,000 or more.
5-year
0.01%.
2.50% for $1,000-$9,999.
2.50% for $10,000-$99,999.
2.50% for $100,000 or more.
10-year
0.01%.
2.50% for $1,000-$9,999.
2.50% for $10,000-$99,999.
2.50% for $100,000 or more.
*Rates listed are for San Francisco. Rates may vary by location.
» Want more options? See our list of the best CD rates
Chase CDs, even at the highest tier of relationship rates, don’t come close to the yields that online banks can offer.
Frequently asked questions
What is the best CD rate at Chase Bank?
The best CD rate at Chase is 4.25% APY for a three-month CD, followed by 4.00% APY for a nine-month CD, for Chase checking customers as relationship rates. (Balances of $100,000 or more can earn more.) The standard rates are 0.01% APY for three-month CDs and 0.01% APY for nine-month CDs. Note that the shorter the term, the less money you earn, compared to a longer-term CD.
What are the current CD rates at Chase?
For standard rates and term lengths, Chase’s current CD rates are 0.01% APY for 1-year CDs, 0.01% APY for 3-year CDs and 0.01% APY for 5-year CDs. These are the lowest possible rates for CDs in general. Higher rates are available for Chase checking customers through relationship rates, but the best CD rates at online banks can be twice as high as Chase’s.
Is opening a Chase CD worth it?
Chase’s CD rates tend to be some of the lowest and least competitive in the market. Existing Chase checking customers might decide convenience is the top priority and get some higher yields from Chase’s relationship rates. But if you’re seeking top returns with today’s CD rates, consider comparing banks and credit unions with the best CD rates.
What is the best CD rate at Chase Bank?
The best CD rate at Chase is
4.25%
APY for a three-month CD, followed by
4.00%
APY for a nine-month CD, for Chase checking customers as relationship rates. (Balances of $100,000 or more can earn more.) The standard rates are
0.01%
APY for three-month CDs and
0.01%
APY for nine-month CDs. Note that the shorter the term, the less money you earn, compared to a longer-term CD.
What are the current CD rates at Chase?
For standard rates and term lengths, Chase’s current CD rates are
0.01%
APY for 1-year CDs,
0.01%
APY for 3-year CDs and
0.01%
APY for 5-year CDs. These are the lowest possible rates for CDs in general. Higher rates are available for Chase checking customers through relationship rates, but the best CD rates at online banks can be twice as high as Chase’s.
Is opening a Chase CD worth it?
Chase’s CD rates tend to be some of the lowest and least competitive in the market. Existing Chase checking customers might decide convenience is the top priority and get some higher yields from Chase’s relationship rates. But if you’re seeking top returns with today’s CD rates, consider comparing banks and credit unions with the
» Want to check how Chase ranks overall? See our Chase review
More details about Chase CDs
Minimum deposit
For standard rates and lowest-tier relationship rates:
$1,000
For the two higher-tier relationship rates:
$10,000
$100,000
Monthly fee
None, which is common for CDs.
Range of CD terms
1 month to 10 years.
Compounding period
Daily. (This detail helps you estimate what you can earn using a CD calculator.)
Early withdrawal penalty
90 days’ (~3 months) interest for CD terms less than 6 months.
180 days’ (~6 months) interest for CD terms from 6 months to 23 months.
1 year’s interest for CD terms of 2 years or more.
Grace period
10 days after the CD's maturity date.
Chase CDs automatically renew, so this 10-day window is the only time to withdraw without getting hit by a penalty.
Chase IRA CD available?
No retirement CD option for new customers. Compare IRA CD rates at other banks.
4.60%SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
4.80%1.00% APY for <$10k balance; 4.40% APY for $10k to <$50k balance; 4.50% APY for $50k to <$250k; 4.80% APY for $250k+ balance
Min. balance for APY
$250,000
These cash accounts combine services and features similar to checking, savings and/or investment accounts in one product. Cash management accounts are typically offered by non-bank financial institutions.
These cash accounts combine services and features similar to checking, savings and/or investment accounts in one product. Cash management accounts are typically offered by non-bank financial institutions.
5.50%*Current promotional rate; annual percentage yield (variable) is 5.50% as of 4/2/24, plus a .50% boost available as a special offer with qualifying deposit. Terms apply; if the base APY increases or decreases, you’ll get the .75% boost on the updated rate. Cash Reserve is only available to clients of Betterment LLC, which is not a bank; cash transfers to program banks conducted through clients’ brokerage accounts at Betterment Securities.
5.00%The annual percentage yield is effective as of Tuesday, August 13, 2024. APY is a fixed rate and a $1,000 minimum balance is required. Bask Bank will pay this rate and APY through your CD maturity date. Fees could reduce the earnings on your account, and an early withdrawal penalty may be imposed for early withdrawal. If your CD is not funded with at least $1,000 within 10 business days after the date the account is opened, it will automatically be closed. Read the full terms here: https://www.baskbank.com/terms-and-disclosures.pdf
Interest rates are fixed. If you open a Chase CD today, its APY will stay the same until the CD expires. Typically, being able to lock in a CD rate benefits you if rates are about to fall, but on the flip side, you’ll earn less on a CD if rates keep rising. Here’s a quick look at historical CD rates. Or, if you want a sample of rates each month, see current CD rates.
You lose interest if you withdraw early. CDs are built to keep your money out of sight, out of mind. If you dip into a Chase CD before it expires, there’s an early withdrawal penalty, which means losing some or all the interest you earned. Some other banks offer CDs with no penalties; see the best no-penalty CD rates.
Chase is one of the largest national banks. Of the three most common types of deposit accounts — checking accounts, regular savings accounts and CDs — Chase has the most to offer with its checking account. There’s access to more than 15,000 ATMs and more than 4,700 branches, as well as robust online and mobile banking experiences. New checking customers can also take advantage of a sign-up bonus. CDs, however, are not a strong point for Chase. Outside of consumer deposit accounts, Chase offers credit cards, mortgages, business checking, business credit cards and J.P. Morgan self-directed investing.