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Chase CD Rates: 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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NerdWallet's content is fact-checked for accuracy, timeliness and relevance. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible.
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 Oakland, California.
Sara Clarke is a former 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:
1-year: 0.01%-1.75% APY.
3-year: 0.01%-2.00% APY.
5-year: 0.01%-2.00% APY.
10-year: 0.01%-2.00% APY.
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.
Standard CD rates at Chase Bank are available to anyone and require a minimum deposit of $1,000, which is a typical amount. Minimum deposit 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*
4-month
0.01%.
2.00% for $1,000-$9,999.
2.00% for $10,000-$99,999.
2.00% for $100,000 or more.
10-month
0.01%.
2.65% for $1,000-$9,999.
2.65% for $10,000-$99,999.
3.15% for $100,000 or more.
1-year
0.01%.
1.75% for $1,000-$9,999.
1.75% for $10,000-$99,999.
1.75% for $100,000 or more.
3-year
0.01%.
2.00% for $1,000-$9,999.
2.00% for $10,000-$99,999.
2.00% for $100,000 or more.
5-year
0.01%.
2.00% for $1,000-$9,999.
2.00% for $10,000-$99,999.
2.00% for $100,000 or more.
10-year
0.01%.
2.00% for $1,000-$9,999.
2.00% for $10,000-$99,999.
2.00% 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
What is the best CD rate at Chase Bank?
The best CD rates at Chase are 2.00% APY for a four-month CD and 3.15% APY for a 10-month CD for Chase checking customers as relationship rates for balances of $100,000 or higher. Relationship rates for lower balances have lower yields but remain far higher than standard rates, which are 0.01% APY for four-month CDs and 0.01% APY for 10-month CDs.
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 whole percentages higher than 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 rates at Chase are
2.00%
APY for a four-month CD and
3.15%
APY for a 10-month CD for Chase checking customers as relationship rates for balances of $100,000 or higher. Relationship rates for lower balances have lower yields but remain far higher than standard rates, which are
0.01%
APY for four-month CDs and
0.01%
APY for 10-month CDs.
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 whole percentages higher than 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
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.
4.00%Annual Percentage Yield (APY) is accurate as of 10/09/2025. APY may change at any time before or after the account is opened. Available only online.
5.00%Annual Percentage Yield (APY) is accurate as of June 17th, 2025. Start earning 2.50% APY, then qualify to earn 5.00% APY on your balance up to $5,000.00 and 2.50% APY on balances over $5,000 next month by 1) Receiving direct deposit(s) totaling $1,000 or more; and 2) Ending the month with a positive balance in all your Varo Accounts. No fees, no minimums required. Rates subject to change at any time.
3.50%Annual Percentage Yield (APY) may change at any time and fees may reduce earnings. Please visit etrade.com/ratesheet for more information.
Min. balance for APY
$0
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.
Up to 3.90%The Base Annual Percentage Yield (APY) is 3.25%, from program banks, is as of 12/19/25, is variable and is subject to change. If you are eligible for the overall boosted rate of 3.90% offered in connection with this promo, your boosted rate is also subject to change if the base rate decreases during the three-month promotional period. This limited-time promo offers eligible new Wealthfront clients a 0.65% APY increase over the standard base APY for 3 months on up to $150k in their Cash Accounts. Cash Account offered by Wealthfront Brokerage LLC, Member FINRA/SIPC, and is not a bank. Base APY (is representative, subject to change, requires no minimum) is paid from our Program Banks.
3.90%Cash Reserve offered by Betterment LLC and requires a Betterment Securities brokerage account. Betterment is not a bank. Learn More (https://www.betterment.com/cash-portfolio). Annual percentage yield (variable) is 3.25% as of 12/12/25, plus a 0.65% boost (“APY Boost”) for new clients with a qualifying deposit. $10 min deposit for base APY. Terms apply (betterment.com/boost); if the base APY changes, the Boosted APY will change. FDIC insurance provided by Program Banks (https://www.betterment.com/cash-portfolio), subject to certain conditions.
4.05%All Bread Savings APYs are accurate as of 12/18/2025. APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings. To open a CD, a minimum of $1,500 is required and must be deposited in a single transaction. A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time. Rates are compared against competitor rates published by NerdWallet.com and the institutions themselves as of 12/18/2025. NerdWallet.com obtains the data from the various banks that it tracks and its accuracy cannot be guaranteed.
4.10%Annual Percentage Yield (APY) is subject to change at any time without notice. Offer applies to personal non-IRA accounts only. Fees may reduce earnings. For CD accounts, a penalty may be imposed for early withdrawals. After maturity, if your CD rolls over, you will earn the offered rate of interest in effect at that time. Visit synchrony.com/banking for current rates, terms and account requirements. Member FDIC.
Term
9 months
Checking accounts are used for day-to-day cash deposits and withdrawals.
Checking accounts are used for day-to-day cash deposits and withdrawals.
2.00%Annual Percentage Yield (APY). APY may change at any time and fees may reduce earnings. Please visit etrade.com/ratesheet for more information. The $15 monthly account fee can be waived when you maintain an average monthly balance of at least $5,000 in the account on or after the end of the second calendar month from opening the account.
Monthly fee
$15
Money market accounts pay rates similar to savings accounts and have some checking features.
Money market accounts pay rates similar to savings accounts and have some checking features.
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.
