Life’s not getting cheaper. So, when there’s a way to earn some money simply by socking your funds away in an account for a few months, it’s probably a smart move. Opening any of the best certificates of deposit (CDs) is a relatively stress-free way to invest your money. But maybe you’re wondering about opening a CD with a bank you already have accounts at—in this specific case, with Chase.
New York-based JP Morgan Chase Bank is the largest bank in the United States as of this writing, with $3.9 trillion in assets and 4,700+ worldwide branches. It offers products such as checking and savings accounts, credit cards, loans, and competitive CDs.
While Chase CD can provide decent returns, there’s a catch: not everyone is eligible for the highest rates. Let’s look at everything you need to know about Chase CDs—and how to qualify for the best returns.
Rates are current as of Feb. 3, 2026, and are subject to change.
Chase Bank CD rates and products
Chase’s standard CD rates are unmemorable. Its biggest returns are exclusively for those who already have a Chase Bank checking account. CD rates can vary based on your location. It also doesn’t offer specialty accounts such as bump-up, flexible, or IRA CDs.
Chase CD rates may vary depending on your location. For the below examples, we’ve used New York zip code 10001.
Standard CDs
Anyone can get Chase’s standard CD rates, whether or not you’ve got an established relationship with the bank. You may’ll appreciate the many different term lengths to choose from; a notably wider variety than many of its competitors.
Chase Bank standard CD rates
See the list of Chase’s standard CD terms and the annual percentage yield (APY) below:
*0.01% ladder APY
Chase CD ladder rates apply when a group of four CDs is opened at the same time for the same amount but with different terms, by a customer with a linked Chase Private Client Checking account.
Bank details checked Feb. 3, 2026.
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Chase Bank Relationship CD rates
As noted earlier, Chase’s relationship CD rates come with much higher APYs than the bank’s standard rates. You’re eligible for the relationship rate if you have a Chase checking account. While the minimum deposit to open a relationship CD is just $1,000 , some rates are the most generous for deposits of over $100,000.
Chase Bank Relationship CD rates
*0.02% ladder APY
**0.05% ladder APY
Chase CD ladder rates apply when a group of four CDs is opened at the same time for the same amount but with different terms, by a customer with a linked Chase Private Client Checking account.
Bank details checked Feb. 3, 2026.
Chase Bank Business CDs
Chase offers special CDs for business owners. Similar to its relationship rates, the amount you’ll earn depends on the size of your deposit. Rates vary based on your location, but here’s an example Here’s what you can expect.
Bank details checked Feb. 3, 2026.
Compare Chase Bank to competitors
Chase Bank offers decent CD rates, but only if you’ve got a Chase checking account; otherwise, its rates aren’t great. And even many of the relationship rates don’t rise as high as the APY you can find at some other institutions. Here’s how Chase Bank stacks against its competition.
 Chase Bank(standard / relationship <$100,000) |  Ally Bank |  Northern Bank Direct |
|---|---|---|
| 4 months | 4 months | 4 months |
| 0.01% / 0.50% | N/A | N/A |
| 6 months | 6 months | 6 months |
| 0.01% / 0.50% | 3.50% | 4.15% |
| 9 months | 9 months | 9 months |
| 0.01% / 0.50% | 3.60% | 3.50% |
| 10 months | 10 months | 10 months |
| 0.01% / 1.50% | N/A | N/A |
| 12 months | 12 months | 12 months |
| 0.01% / 1.50% | 3.75% | 3.25% |
| 18 months | 18 months | 18 months |
| 0.01% / 2.00% | 3.60% | 3.25% |
| 24 months | 24 months | 24 months |
| 0.01% / 2.00% | N/A | 3.25% |
| Learn more | N/A | Learn more |
| View offer at MoneyLion | View offer at MoneyLion | View offer at Northern Bank Direct |
Bank details checked Feb. 3, 2026.
Learn more about Chase Bank
In addition to CDs, Chase customers have a wide variety of checking and savings accounts to choose from. Chase also issues wildly popular travel and cash back credit cards, personal loans, mortgages, and auto loans.
You can also set up investment accounts, such as individual retirement accounts (IRAs). If you own a business, several business services are available, including checking, savings, credit cards, and lending solutions.
Read our detailed Chase Bank review for more details about its valuable features.
Frequently asked questions
How do Chase Bank CD rates compare to other banks?
Chase Bank CD rates are middle-of-the-road for most customers. To get Chase’s best rates, you’ll need to have a relationship with Chase and deposit at least $100,000 — otherwise, your maximum potential APY 3.50%
What is the minimum deposit for a Chase CD?
The minimum deposit for a Chase CD is $1,000.
How can I qualify for Chase relationship CD rates?
Are Chase CD rates FDIC insured?
Yes Chase CDs are FDIC insured up to $250,000 per account holder.
Are there any fees associated with Chase CDs?
There are no fees associated with Chase CDs unless you withdraw your money before it has matured. In that case, you’ll pay between 90 and 365 days of interest (depending on the term length of your CD).
