Looking for a super low-lift way to generate some extra pocket change? Opening one of the best certificates of deposit (CDs) is low-risk and requires no continued effort on your part. There are some caveats, but it’s a great set-and-forget option that makes your excess funds work for you.
Several Chase CDs offer highly competitive return rates. But while Chase can provide decent returns, there’s a catch: Not everyone is eligible for the highest rates. Let’s take a close look at what you should know about Chase CD rates and how to qualify for the best returns.
Current top personal Chase CDs
Rates are current as of April 7, 2026, and are subject to change.
Chase Bank CD rates and products
Chase doesn’t offer specialty accounts such as bump-up, flexible, or IRA CDs. Its options are simply personal and business accounts. You may appreciate the many different term lengths to choose from; a notably wider variety than many of its competitors.
Chase CD rates may vary depending on your location. For the below examples, we’ve used New York zip code 10001.
Personal CDs
There are two types of Chase personal CD rates: standard and relationship.
Standard CD rates are unmemorable. Its biggest returns are exclusively for those who already have a relationship with Chase, namely, a qualifying linked Chase checking account. In many cases, you’ll earn the highest APY with 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 April 7, 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 of what you can expect.
Bank details checked April 7, 2026.
When does opening a Chase CD make sense?
A Chase CD makes the most sense for those who:
- Already bank with Chase: Its relationship APY is the only rate competitive with other financial institutions.
- Can contribute $100,000 or more to a CD: Chase will reward you with an improved return rate in many cases—some of which go toe-to-toe with the best in the industry.
- Want to create an elaborate CD ladder: Chase has many CD term lengths to choose from. With a judicious selection of terms, it can be a great destination for a CD ladder.
- Want to lock in a competitive rate for many years: APY can change dramatically overnight. Those who want to secure a reasonable return for many years to come without worrying about the volatility of market rates may love Chase’s longest term lengths, up to 120 months, which typically offer fair (though not spectacular) APY.
In short, if you’ve got a Chase checking account and would prefer to keep all your deposits under one roof, Chase makes sense.
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) |  Bank of America |  Capital One |
|---|---|---|
| 4 months | 4 months | 4 months |
| 0.01% / 0.50% | 3.00% | N/A |
| 6 months | 6 months | 6 months |
| 0.01% / 0.50% | 0.03% | 3.20% |
| 9 months | 9 months | 9 months |
| 0.01% / 0.50% | 0.03% | 3.20% |
| 10 months | 10 months | 10 months |
| 0.01% / 1.50% | 0.03% | N/A |
| 12 months | 12 months | 12 months |
| 0.01% / 1.50% | 0.03% | 3.90% |
| 18 months | 18 months | 18 months |
| 0.01% / 2.00% | 0.03% | 3.60% |
| 24 months | 24 months | 24 months |
| 0.01% / 2.00% | 0.03% | 3.50% |
| Learn more | Learn more | Learn more |
| View offer at MoneyLion | View offer at MoneyLion | View offer at Bankrate |
Bank details checked April 7, 2026.
Frequently asked questions
Can I open a Chase CD online without being a customer?
No, you cannot open a Chase CD online without being a customer. You’ll have to schedule an appointment with a banker. Again, the best rates are reserved for those who have an eligible Chase checking account. If you plan to open a Chase CD, you’ll do well to open a Chase checking account beforehand.
Are there no‑penalty or specialty CDs at Chase?
No, Chase does not offer no-penalty CDs—or any specialty CDs, for that matter. You’ll find standard personal and business CDs.
Are Chase CD rates good right now compared to national averages?
Most Chase Bank CD rates are middle-of-the-road for most customers—though it does have a couple of stunners. To get Chase’s best rates, you’ll need to have a relationship with Chase and deposit at least $100,000.
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).
Are Chase CD rates FDIC insured?
Yes, Chase CDs are FDIC insured up to $250,000 per account holder.
