Chase CD Rates: March 2024

Chase offers flexible terms but low APYs on its certificates of deposit
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Chase CD Rates

With over 4,700 branches across the U.S,, Chase Bank is one of the largest full-service banks in the country. While Chase offers a wide variety of terms on its CDs, its rates are on the low side. Current Chase customers will qualify for a slightly higher rate than non-customers. 

Here’s an overview of Chase Bank’s CD rates for various terms and balances. The standard rates are for non-Chase customers, while the relationship rates are for customers with a linked Chase personal checking account. 

Chase's CD rates may vary by location, and the rates listed below may not be available in all zip codes. The APYs listed below use NYC zip code 10001 and are up to date as of the date of publication of this article. We review CD rates every two weeks and update the information below accordingly.
Chase Standard CD Overview
 CD Term  APY Across All Balances  Minimum Deposit
All monthly terms: 1, 2, 3–5, 6–8, 9–11, 12–14, 15–17, 18–20, 21–23, 24–29, 30–35, 36–41, 42–47, 48–120 0.01% $1,000
Chase Relationship CD Overview
 CD Term  APY ($1,000–$9,999)  APY ($10,000–$99,999)  APY ($100,000+)
1 month 0.02% 0.02% 0.02%
2 months (Featured Terms) 4.50% 4.50% 5.00%
3 months 2.00% 2.00% 2.00%
6 months (Featured Terms) 3.00% 3.00% 3.00%
9 months (Featured Terms) 4.25% 4.25% 4.75%
12 months 2.00% 2.00%  2.00% 
15 months  2.50% 2.50% 2.50%
18 months  2.50% 2.50% 2.50%
21 months  2.50% 2.50% 2.50%
24 months  2.50% 2.50% 2.50%
30 months  2.50% 2.50% 2.50%
36 months  2.50% 2.50% 2.50%
42 months  2.50% 2.50% 2.50%
48–120 months 2.50% 2.50% 2.50%

See the best CD rates today before choosing the CD that is best for you.

Chase Bank CDs: Key Features

APY Range Standard rate: 0.01%; Relationship rates: 0.02%–5.00%
Minimum Deposit  $1,000 
Term Range  1–120 months 
Early Withdrawal Penalty  90 days of interest for terms less than 6 months; 180 days interest for terms of 6–24 months; 365 days interest for terms of 24 months or longer

When your Chase CD matures, or reaches the end of its term, you have 10 days to make changes or withdraw the money. Otherwise, your CD will automatically renew with the same rate and term.

Compare CD Account Rates

Does Chase Have a Minimum Deposit to Open a CD Account?

The minimum deposit requirement to open a Chase Bank CD account is $1,000.

What Are the APYs of a Chase CD Account?

If you have a linked Chase checking account, you can receive a CD account APY anywhere from 0.02% to 5.00%, depending on your CD term and balance. If you’re not a Chase customer, you’ll receive a much lower standard rate, regardless of your CD term or balance.

What Are the Term Options for a Chase CD Account?

The term options for a Chase CD account range from 1 to 120 months. Different term lengths have different APYs, and early withdrawal penalties will apply. Learn about short-term vs. long-term CDs here.

Do You Need a Chase Checking Account to Open a Chase CD Account?

You don’t need a Chase checking account to open a Chase CD account. However, you need to link a Chase personal checking account to your CD to qualify for Chase’s relationship rates, which vary based on CD term and balance. 

If you don’t bank with Chase, you’ll be limited to a low CD rate across all CD terms and balances. 

Your Guide to CDs

Article Sources
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