Chase CD Rates and Terms for 2026
Written by
Rudri Bhatt Patel, CFHC™
Edited by
Elizabeth Constantineau, CFHC™
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While Chase provides nationwide branch access and top-tier customer service, its certificate of deposit (CD) rates aren’t always as competitive as those of online banks.
If you’re considering Chase CD rates for your savings strategy, here’s what you need to know.
Current Chase CD Rates: February 2026
Chase offers standard rates, as well as relationship rates for its CDs. Standard rates are significantly lower than relationship rates.
Standard CD Rates
| CD Term | Annual Percentage Yield (APY) | Minimum Deposit |
|---|---|---|
| All monthly terms | $1,000 |
Relationship CD Rates
| CD Term | Relationship APY | Minimum Deposit |
|---|---|---|
| 1 month | $1,000 | |
| 2 months | $1,000 | |
| 3 months – Featured | Up to | $1,000 |
| 4 months | $1,000 | |
| 5 months – Featured | $1,000 | |
| 6 months | $1,000 | |
| 7 months | $1,000 | |
| 8 months | $1,000 | |
| 9 months | $1,000 | |
| 10 months | $1,000 | |
| 11 months – Featured | Up to | $1,000 |
| 12 months | $1,000 | |
| 13 months | $1,000 | |
| 14 months | $1,000 | |
| 15 months | $1,000 | |
| 18 months | $1,000 | |
| 21 months | $1,000 | |
| 24 months | $1,000 | |
| 30 months | $1,000 | |
| 36 months | $1,000 | |
| 42 months | $1,000 | |
| 48 months | $1,000 | |
| 60 months | $1,000 | |
| 84 months | $1,000 | |
| 120 months | $1,000 |
Pros and Cons of Chase CD Accounts
Like all financial products, Chase CD accounts come with their own set of pros and cons that savers should consider before opening an account.
Pros
- Easy access for existing Chase customers
- Wide branch network for in-person service
- Relationship rates available for linked accounts
Cons
- Standard rates are much lower than competitors
- Requires existing Chase bank account to open a CD online
- Potentially lower returns than other investments like stocks or bonds
How Much Can You Earn With a Chase Bank CD?
Here’s a simple example showing estimated earnings with Chase CD rates:
| Deposit Amount | Term Length | Relationship APY | Estimated Interest Earned* |
|---|---|---|---|
| $1,000 | 4 months | $1.66 | |
| $2,000 | 10 months | $24.97 | |
| $4,000 | 2 years | $161.60 | |
| $5,000 | 5 years | $520.40 |
How To Open a Chase Bank CD Account
Opening a Chase Bank CD is simple, and you can choose the method that works best for you:
- Online or mobile: Start an application through Chase’s website or mobile app.
- Visit a branch: Speak with a representative for personalized assistance.
- Call customer service: Get guidance over the phone and finalize details remotely
Remember, though, you need an existing account to open a CD online. Without an existing bank account, you can go to a physical location and open a CD with the help of a banker.
How To Qualify
- Must be 18 years old
- Be a U.S. citizen or lawful permanent resident with a U.S. physical address
- Have a valid Social Security number and a U.S.-based phone number
- Have a minimum deposit of at least $1,000
Chase CD Rates vs. Other Banks
How do Chase CD rates compare with other banks? Here’s a side-by-side comparison:
| Bank | 1-Year CD Rate | 5-Year CD Rate | Minimum Deposit |
|---|---|---|---|
| Chase Bank | Standard rate: Relationship rate: |
Standard rate: Relationship rate: |
$1,000 |
| Capital One* | $0 | ||
| Popular Direct | $10,000 | ||
| Ally Bank | $0 |
Is a Chase Bank CD Right for You?
Chase CDs aren’t right for every saver. Here’s a breakdown of who might benefit and who might want to look at other options.
Ideal For
- Individuals who already have a relationship with Chase
- Anyone who wants FDIC-insured protection
- Customers who prioritize convenience, a large branch network and in-person service
- Those who qualify for relationship rates
Not Great For
- Individuals who don’t have a Chase account and want to open a CD online
- People who may need to withdraw early
- Investors looking for high-yield options
Tips for Getting the Best CD Rates
Before you open a CD, use these tips to help you find the highest APY available.
- Consider relationship banking perks: Existing account holders may enjoy better CD rates. Consider opening a CD where you already have an account.
- Compare multiple terms: Compare multiple banks to find the best APY that works for you.
- Look for promotional or limited-time offers: Banks often offer special rates or promotional offers on their CDs. Check online or at your local bank in person for those offers.
Chase CD Rates FAQ
Here are the answers to some common questions about Chase CD rates.- What is the minimum deposit for a Chase CD?
- Chase requires a minimum deposit of $1,000 to open a CD account.
- How do Chase relationship CD rates work?
- Chase offers higher “relationship” APYs if you have a qualifying Chase checking account and meet specific requirements.
- Are Chase CDs FDIC-insured?
- Yes. CDs at Chase Bank are FDIC insured up to $250,000 per depositor, per ownership category.
- What happens if I cash out a Chase CD early?
- If you withdraw from a Chase CD before maturity, you’ll pay an early withdrawal penalty based on the term of the CD and the amount withdrawn. That penalty is usually taken from the interest you’ve earned and, in some cases, can reduce your principal if you redeem very early in the term.
Caitlyn Moorhead and Dawn Allcot contributed to the reporting for this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 23, 2026.
*Capital One interest rates accurate as of 01/23/2026. See website for all current rates.
The information related to Chase accounts was collected by GOBankingRates and has not been reviewed or provided by the issuer of these products. Product details may vary. Please see the issuer’s website for current information. GOBankingRates does not receive commission for these products.
Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Chase.
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- Federal Reserve "Large Commercial Banks"
- FDIC. 2025 "National Rates and Rate Caps"
