Chase CD Rates: June 2025

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

While Chase offers a wide variety of terms on its CDs, its rates, which are as high as 4% for a two-month CD, are competitive if you are a customer, but otherwise very low. 

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. Compare these rates with the some of the best high-yield CDs.

Important

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.

Compare Chase Bank CD Rates

Chase Bank standard CDs offer rates that are generally lower than some of the best CDs on the market. As with any financial product, compare all the terms and conditions to determine which one best fits your needs.

Chase Bank CDs: Key Features

Important

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.

Pros and Cons of Chase Bank CDs

Pros

• Highest rates are competitive

• Flexible terms

Cons

• Low rates

• Higher minimum deposit requirements

Pros Explained

• Highest rates are competitive: Chase Bank offers CD rates as high as 4.0% for two-month CDs. For longer-term CDs and CDs for non-customers, rates will be much lower.
• Flexible terms: Chase Bank offers CDs of terms with varying lengths of up to five years.

Cons Explained

• Higher rates elsewhere: Chase CDs highest interest rates are generally competitive, but you can easily find higher rates elsewhere.
• Higher minimum deposit: Chase Bank's minimum deposit requirement of $1,000 is on the high end.

About Chase Bank

With over 4,700 branches across the U.S., Chase Bank is one of the largest full-service banks in the country.

The full-service bank offers a wide variety of financial services, including two savings account options, other types of deposit accounts, rewards credit cards, and numerous other financing options.

Alternatives to Chase Bank CDs

• Other high-interest CDs: Chase Bank's highest CDs rates are competitive with interest rates on other CDs. But shop around to get the best rates. Check the best CD rates currently available before making a deposit.
• High-yield savings account: If you want to protect your funds while also earning interest, you can also consider a high-yield savings account. Some high-yield accounts offer APYs of 4% or more.
• Checking account: A checking account is another option for storing your cash, especially if you don’t want to be subject to withdrawal limits. Some high-interest checking accounts can provide more returns on your cash than traditional checking accounts.
• Money market account: Money market accounts are similar to savings accounts, though they may also come with check-writing abilities and a debit card. You can often earn a good rate on your savings, but you might have to deal with monthly fees or minimum balance requirements. 
• I bonds: I bonds from the U.S. government are an investment option for protecting your savings from inflation. I bonds may or may not offer a higher rate than the best CDs. When you invest, you have to commit to leaving your money in the I bond for at least a year.

Frequently Asked Questions (FAQs)

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

• What Is a Certificate of Deposit (CD)?
• What Is a Brokered CD?
• What Is a CD Ladder?
• Pros and Cons of CDs
• How to Invest With CDs
• How to Open a CD
• How to Close a CD
• CDs vs. Annuities
• CDs vs. Stocks
• CDs vs. Mutual Funds
• CDs vs. ETFs
• CDs vs. Savings Accounts
• Short-Term vs. Long-Term CDs
• CD Rates News
• Best 1-Year CD Rates
• Best 18-Month CDs
• Best Jumbo CD Rates
• Best 6-Month CD Rates
• Best 3-Month CD Rates
• Best Bank CD Rates

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