Chase Interest Rates: How to Get the Bank’s Best Rates

Learn about the different interest rates offered at Chase.

JPMorgan Chase is a global financial institution that offers a range of customer products and services. Chase might be the best bank for you if you need everything from checking and savings accounts to high-level investments. But not every customer at Chase gets the same interest rates, so you’ll have to examine the bank’s offerings if you’re in search of the best bank interest rates.

Here’s a list of the main types of consumer accounts at Chase, along with current interest rates and suggestions on how you can get the best rates at Chase.

How to Get the Best Chase Interest Rates

Interest rates cut both ways. Whether you’re a saver or an investor, you’ll want high rates; if you’re a borrower, you want low interest rates. Factors that can affect the rate you earn on checking and savings accounts at Chase include the type of account you open, the amount of money you deposit, and your existing banking relationship. Your credit score will play an important role in getting the best Chase loan rates.

Chase has a range of products fit for many financial needs. Chase checking accounts offer 0.01% APY across the board, but its savings account have more interest rate options depending on the type of product and the amount you deposit, offering anywhere from 0.01% APY to 0.09% APY. Additionally, Chase offers a multitude of CDs including those with long terms. Product type and balance also affect CD rates, with CD accounts offering 0.02% APY for the shorter, standard terms and a higher rate of 1.46% APY for its 120-month relationship term.

Here’s an overview of Chase’s account types:

Chase Bank Accounts
Account/ProductProduct Type
Chase Premier Plus CheckingChecking Account
Chase Premier Platinum CheckingChecking Account
Chase SavingsSavings Account
Chase Premier SavingsSavings Account
Chase Premier SavingsSavings Account, Relationship
Chase Premier SavingsSavings Account, Relationship
Chase Premier SavingsSavings Account, Relationship
1-17 monthsCD Account, Standard
18-41 monthsCD Account, Standard
42-59 monthsCD Account, Standard
60-119 monthsCD Account, Standard
120 monthsCD Account, Standard
1-14 monthsCD Account, Relationship
15-17 monthsCD Account, Relationship
18-20 monthsCD Account, Relationship
21-35 monthsCD Account, Relationship
36-47 monthsCD Account, Relationship
48-59 monthsCD Account, Relationship
60-119 monthsCD Account, Relationship
120 monthsCD Account, Relationship
1-14 monthsCD Account, Relationship
15-17 monthsCD Account, Relationship
18-20 monthsCD Account, Relationship
21-35 monthsCD Account, Relationship
36-47 monthsCD Account, Relationship
48-59 monthsCD Account, Relationship
60-119 monthsCD Account, Relationship
120 monthsCD Account, Relationship
1-11 monthsCD Account, Relationship
12-14 monthsCD Account, Relationship
15-17 monthsCD Account, Relationship
18-20 monthsCD Account, Relationship
21-35 monthsCD Account, Relationship
36-47 monthsCD Account, Relationship
48-59 monthsCD Account, Relationship
60-110 monthsCD Account, Relationship
120 monthsCD Account, Relationship
30-year fixed rateMortgage
15-year fixed rateMortgage
7/1 ARMMortgage
5/1 ARMMortgage
Information accurate as of April 17, 2018

Chase Checking Account Interest Rates

Chase offers four types of checking accounts:

  • Chase Total Checking
  • Chase Premier Plus Checking
  • Chase Premier Platinum Checking
  • Chase Student Checking

Only two of these accounts — the Chase Premier accounts — pay interest. Every interest-bearing checking account at Chase pays the same 0.01 percent rate, as of April 17, 2018, regardless of the size of your account or any other banking relationships you might have with Chase.

Learn: How to Open a Chase Checking Account

Chase Savings Account Interest Rates

Chase offers two types of savings accounts:

  • Chase Savings
  • Chase Premier Savings

You can earn the best interest rates on a Chase savings account in any of three primary ways:

  • Open a Chase Premier Savings account.
  • Deposit at least $250,000.
  • Link your account to an active Chase Premier Plus Checking or Chase Premier Platinum Checking account.

With any balance on deposit, you can earn at least 0.01 percent on your Chase Premier Savings balance. However, when you link your savings account to one of these two Chase checking accounts, you’ll earn “relationship” benefits, including a higher yield. With a relationship, you’ll earn a rate of at least 0.04 percent and as much as 0.09 percent depending on your balance, with deposits of at least $250,000 earning the highest rates.

For the basic Chase Savings account, you will earn 0.01% APY on your balance, regardless of how much you deposit at the bank or if you have a banking relationship.

Chase Mortgage Interest Rates

Chase offers both fixed-rate and adjustable-rate mortgages. Fixed-rate loans are either 15 years or 30 years, whereas adjustable-rate loans are either a 7/1 Libor ARM or a 5/1 Libor ARM, meaning it is an adjustable rate mortgage. As of April 17, 2018, Chase mortgage rates were as follows:

  • 30-Year Fixed: 4.375 percent rate, 4.471% APR
  • 15-Year Fixed: 3.875 percent rate, 4.023% APR
  • 7/1 Libor ARM: 4.375 percent rate, 4.772% APR
  • 5/1 Libor ARM: 4.25 percent rate, 4.809% APR

The best bank rates are not available for every Chase customer. In addition to other requirements, the way to get the best Chase mortgage rates are to put 20 percent down and to have excellent credit.

Learn: How to Get the Best Mortgage Rate

Chase Personal Loan Interest Rates

Although the bank does offer other types of loans, Chase personal loans don’t exist, per se. The bank does offer mortgage refinancing loans, however. When you apply for a refinancing loan, Chase will review your credit history, look at your current mortgage, and ask about your current financial situation. If you qualify, the bank will recommend either a fixed-rate or an adjustable-rate mortgage, with a term of either 15 or 30 years. Interest rates will vary based on a combination of all of these factors.

Chase Certificate of Deposit Interest Rates

Chase offers a wide range of CDs, ranging in maturity from one month to 120 months. Standard rates range from a one-month 0.02% APY to 1.46% APY for a ten-year CD.

Chase customers have three ways to get better rates. The first is to link a Chase personal checking account to your CD account. Doing this will qualify you for relationship rates as high as 0.60% APY. The next is to make a larger deposit, as rates generally step up at the $10,000 and $100,000 deposit levels. The final way is to take advantage of “featured terms,” or those maturities that Chase promotes with higher rates. For example, a $1,000, 119-month CD pays a standard rate of 0.25 percent, but a featured term of a 120-month CD offers 1.46% APY. CD rates at Chase top out with a $100,000+ deposit into a 120-month CD under relationship rates, paying a 1.30% APY.

Learn: This Is How Much You Need to Open CDs at Chase and 17 Other Banks

Chase pays or charges interest on a wide range of products. The best way to get better rates across the board is to have a combination of excellent credit, a large account, and a banking relationship with the firm. You can learn more by visiting Chase Bank online, downloading the Chase mobile app, or going into a branch.

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