Chase CD Rates: How They Compare

Chase CD rates are relatively low across its wide range of terms from one month to 10 years.
Spencer Tierney
By Spencer Tierney 
Edited by Sara Clarke

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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%-3.75% APY

  • 3-year: 0.01%-2.00% APY

  • 5-year: 0.01%-1.50% APY

  • 10-year: 0.01%-1.50% APY

Chase CD
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Chase’s certificates of deposit rates tend to be extremely low. The bank’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, while some banks' CDs require at least $5,000 or $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 or savings account; otherwise, visit a branch.

This is a look at some of Chase's rates for the most common CD terms.

CD term

Standard rate*

Relationship rates*



  • 3.00% for $1,000-$9,999.

  • 3.25% for $10,000-$99,999.

  • 3.75% for $100,000 or more.

  • 3-year


  • 2.00% for $1,000-$9,999.

  • 2.00% for $10,000-$99,999.

  • 2.00% for $100,000 or more.

  • 5-year


  • 1.50% for $1,000-$9,999.

  • 1.50% for $10,000-$99,999.

  • 1.50% for $100,000 or more.

  • 10-year


  • 1.50% for $1,000-$9,999.

  • 1.50% for $10,000-$99,999.

  • 1.50% for $100,000 or more.

  • *Rates listed are for San Francisco. Rates may vary by location.

    APYs shown are as of March 30, 2023.

    » 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.

    » 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.

    » Curious about the bank's other savings options? See our review of the Chase savings rate

    Marcus by Goldman Sachs logo
    Learn More

    Member FDIC

    Marcus by Goldman Sachs High-Yield 10-Month CD

    Marcus by Goldman Sachs logo



    10 months

    CIT Bank No-Penalty CD

    CIT Bank logo



    11 months

    What to consider when opening CDs

    • Interest rates are fixed. If you open a Chase CD today, its APY will stay the same until the CD expires. Given the consistently low rates of Chase CDs, it’s unlikely that you’ll miss out on new Chase CD rates going up while you maintain your CD’s fixed rate. 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. It’s hard to know when CD rates might go up, but CD rates are trending upward thanks to multiple Fed rate increases in 2022. Here’s a quick look at historical CD rates, including this year’s. 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.

    » On the fence about a CD? If there’s a chance you’ll need access to your money, consider one of the best high-yield savings accounts instead.

    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 16,000 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.

    Solid range of terms, but low rates

    Chase CD
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    Chase Bank CDs may be a convenient option if you already have a Chase checking account, want more choice with CD terms, and have a lump sum you won't need for a while, but you can find higher rates elsewhere.

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