Chase CD Rates and Terms for 2026
Written by
Rudri Bhatt Patel, CFHC™
Edited by
Joe Evans
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Chase is one of the largest consumer banks in the country, and its CDs are easy to open if you already have a Chase checking or savings account. Chase offers traditional fixed-rate CDs plus higher “relationship” rates for qualifying customers, all backed by FDIC insurance.
The trade-off: like most big brick-and-mortar banks, Chase usually pays less than top online banks and credit unions. The best way to use a Chase CD in 2026 is to understand:
- The difference between standard CD rates and relationship CD rates
- The minimums, terms and penalties
- How Chase’s yields stack up against other options
If you’re considering Chase CD rates for your savings strategy, here’s what you need to know.
Current Chase CD Rates: Early 2026 Snapshot
Chase typically offers:
- Standard CD rates are available to all eligible customers
- Relationship CD rates are higher if you also keep a qualifying Chase checking account and meet balance or funding requirements
Chase Standard CD Rates
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 | $1,000 | |
| 4 months | $1,000 | |
| 5 months – Featured | Up to | $1,000 |
| 6 months | $1,000 | |
| 7 months | $1,000 | |
| 8 months | $1,000 | |
| 9 months | $1,000 | |
| 10 months – Featured | Up to | $1,000 |
| 11 months | $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 |
Key Features of Chase CDs
| Feature | Details |
|---|---|
| CD types | Standard CDs and relationship-rate CDs; some promotional/special CDs may be offered periodically |
| Term range | Typically from 1 month up to 5 or more years, depending on the current lineup |
| Minimum opening deposit | Often around $1,000 for many consumer CDs (confirm on the rate page) |
| Interest rate | Fixed APY for the full term once the CD is opened and funded |
| Compounding | Interest usually compounds daily and is credited monthly or at maturity (check the current Truth-in-Savings disclosure) |
| FDIC insurance | Deposits are FDIC insured up to $250,000 per depositor, per ownership category at JPMorgan Chase Bank, N.A. |
| Account access | Manage CDs online, in the Chase Mobile app or at a Chase branch |
| Early withdrawal penalties | Withdrawals before maturity typically incur an interest penalty that increases with term length; in some cases, it can reduce principal |
| Relationship pricing | Higher APYs may be available if you have a qualifying Chase checking account and meet new-money or balance requirements |
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 | $6.62 | |
| $2,000 | 10 months | $54.02 | |
| $4,000 | 2 years | $161.60 | |
| $5,000 | 5 years | $520.40 |
How Chase CD Rates Compare
Once you’ve filled in the real APYs, you can frame Chase’s CDs versus other options:
- Versus national averages
Historically, big-bank CD rates often cluster around the national average, while top online banks pay significantly more. Chase’s standard CD APYs generally reflect that pattern, with relationship CDs improving the picture. - Versus top online banks and credit unions
Online-only institutions frequently offer higher APYs, especially on popular terms like 12 and 24 months. Even Chase’s relationship rates may lag the very highest offers, though they often beat standard big-bank CDs. - Versus other big banks
Chase’s CD lineup usually looks similar to other mega-banks: wide term range, low standard rates and a few better relationship or promotional offers. If you’re rate-sensitive and already bank with Chase, relationship CDs are usually where the value is.
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 | ||
| Discover | $0 |
How To Open a Chase CD
Chase CDs are easy to open if you already have a checking or savings account, but non-customers can often start online as well.
Step-by-step
- Choose your term and CD type
- Decide how long you can leave your money untouched (3-12 months for short-term goals, 2-5 years for longer timelines).
- Decide whether you’ll qualify for a relationship CD by opening or using a qualifying Chase checking account.
- Check today’s Chase CD rates
- Go to chase.com and navigate to Savings & CDs section
- Enter your ZIP code if prompted, then review the standard and relationship APY tables.
- Identify the best term and rate to highlight in your copy.
- Gather your information
You’ll typically need:- Name, address and date of birth
- Social Security number or taxpayer ID
- Contact information
- Existing bank account details if you’re funding from outside Chase
- Apply online or in a branch
- Existing Chase customers can often open CDs quickly inside online banking or the mobile app.
- New customers may need to complete a full application or visit a branch to verify identity.
- Fund your CD
- Transfer funds from a Chase checking or savings account, or from an external bank.
- Your APY is typically locked when the CD is opened and funded.
- Set maturity instructions
- Decide whether your CD should auto-renew into the same term, roll into a different term or be deposited into your checking or savings account at maturity.
- Add a reminder a few days before the maturity date to revisit your options during the grace period.
Pros and Cons of Chase CDs
| Pros | Cons |
|---|---|
| FDIC-insured up to $250,000 per depositor, per ownership category at a major national bank | Standard CD APYs are often lower than rates from top online banks and credit unions |
| Relationship CDs can offer higher APYs if you have a qualifying Chase checking account | Relationship rates usually require extra conditions like specific account types or new-money funding |
| Wide range of terms lets you customize or build a CD ladder | Minimum opening deposits (often around $1,000) can be higher than $0-$500 minimums at online banks |
| Easy to manage CDs alongside Chase checking, savings and credit cards | Early withdrawal penalties can significantly reduce or erase your interest if you access funds before maturity |
| Large branch and ATM network if you value in-person help | Not ideal for rate chasers focused on squeezing out the highest possible APYs |
Is a Chase CD Right for You?
A Chase CD might be a good fit if you:
- Already bank with Chase and want to keep your savings in one place
- Qualify for relationship CD rates, which are usually more competitive than the standard grid
- Prefer an FDIC-insured, fixed-rate product backed by a large, familiar bank
- Value branch access and a robust mobile app over hunting for the single highest rate
You may want to look at other options if you:
- Are purely focused on maximizing APY, and are comfortable using online-only banks or credit unions
- Have a smaller deposit and want ultra-low minimums or flexible no-penalty CDs
- Expect you might need the money before the CD matures and don’t want to risk penalties
- Prefer the higher yields sometimes available through brokered CDs at a brokerage account
A practical strategy is to use Chase CDs (especially relationship CDs) for a portion of your savings you want to keep inside Chase’s ecosystem, while placing more rate-sensitive cash in high-yield CDs or savings accounts elsewhere.
Final Take to GO
Chase CDs give you a simple, familiar way to earn fixed, FDIC-insured interest at one of the country’s largest banks. The standout feature is the relationship CD structure, which rewards loyal customers who keep a qualifying checking account and fund CDs to Chase’s specifications.
If you value convenience, branch access and keeping everything under one roof, Chase CDs — especially relationship CDs — can make sense for part of your 2026 savings strategy. If you’re laser-focused on maximizing yield and don’t mind juggling accounts at several institutions, you’ll likely find higher APYs at top online banks, credit unions or brokered CDs.
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. 1, 2026.
*Capital One interest rates accurate as of 01/08/2026. 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"
