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.

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Written by Spencer Tierney
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Fact Checked

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:

  • 1-year: 0.01%-3.50% APY.

  • 3-year: 0.01%-2.50% APY.

  • 5-year: 0.01%-2.50% APY.

  • 10-year: 0.01%-2.50% APY.

Chase CD
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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.

» COMPARE: See the best CD rates

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%.

  • 4.00% for $1,000-$9,999.

  • 4.00% for $10,000-$99,999.

  • 4.50% for $100,000 or more.

  • 9-month

    0.01%.

  • 2.50% for $1,000-$9,999.

  • 2.50% for $10,000-$99,999.

  • 2.50% for $100,000 or more.

  • 1-year

    0.01%.

  • 3.25% for $1,000-$9,999.

  • 3.25% for $10,000-$99,999.

  • 3.50% 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.

    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

    The best CD rate at Chase is 4.00% APY for a three-month CD, followed by 3.25% APY for a one-year 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 one-year CDs. Note that the shorter the term, the less money you earn, compared to a longer-term CD.

    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 whole percentages higher than Chase’s.

    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.

    » 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

    A minimum deposit of $1,000 is fairly common, though some banks require far less, even $0.

    Range of CD terms

    1 month to 10 years.

    This is a wide range. Standard term ranges are three months to five years.

    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.

    Other fees

    None, which is common for CDs.

    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.

    Types of account ownership

    • Single (or individual) account.

    • Joint account.

    • Trust, including informal trust and payable on death accounts.

    • Custodial account (on behalf of kids).

    • Business account.

    Note: Chase doesn’t offer IRA CDs (for retirement). See IRA CD rates at other banks.

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    APY

    4.30%

    Term

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    APY

    4.30%

    Term

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    APY

    4.50%

    Term

    1 year

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    Discover® CD

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    APY

    4.10%

    Term

    1 year

    What to consider when opening CDs

    • Interest rates are fixed. If you open a Chase CD today, its annual percentage yieldAPY 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.

    • Be aware of two common rules with CDs: You generally can’t make partial withdrawals or add additional funds after making a deposit into a CD.

    • 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.

    • Interest accrues in a CD during the term, so you can benefit from compound interest. (See our CD calculator page or use the calculator below.) You can request to receive interest as regularly scheduled payments, or disbursements, to an external account or by check. The frequency can be monthly, quarterly or at longer intervals.

    Want to compare CD details?

    View a curated list of CD reviews to see all rates, minimum requirements and other details at online and traditional banks and one brokerage.

    on NerdWallet's secure site

    More about Chase

    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 thousands of ATMs and 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.

    CD details

    months

    Months

    Years

    Results
    Total interest earned

    $0.00

    Total balance

    $0.00

    Interest earned
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