Chase CD Rates 2024: 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 
Updated
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%-2.00% APY.

  • 3-year: 0.01%-2.50% APY.

  • 5-year: 0.01%-2.50% APY.

  • 10-year: 0.01%-2.50% APY.

Chase CD
NerdWallet rating 

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 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*

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.

    » 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.

    Marcus by Goldman Sachs logo
    Learn More

    Member FDIC

    Marcus by Goldman Sachs High-Yield CD

    Marcus by Goldman Sachs logo
    APY

    5.15%

    Term

    14 months

    Barclays logo
    Learn More

    Member FDIC

    Barclays Online CD

    Barclays logo
    APY

    5.15%

    Term

    1 year

    Discover® Bank logo
    Learn More

    Member FDIC

    Discover® CD

    Discover® Bank logo
    APY

    4.80%

    Term

    1 year

    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. 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.

    More about Chase

    Chase CD
    NerdWallet rating 

    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.

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