Chase’s standard CD rate is a flat 0.01% APY on every term as of Chase’s consumer rate sheet in effect October 23, 2026. Customers who link a qualifying checking account get “relationship rates,” which are much higher on a handful of featured promotional terms — for example, up to 4.00% APY on an 8-month CD for deposits of $100,000 or more. On a $10,000 1-year CD at Chase’s standard rate, you’d earn about $1 in interest, compared to roughly $440 at an online bank such as Marcus paying 4.40% APY on a 12-month CD (October 15, 2026). Before opening a CD at Chase, it’s worth understanding which rate tier you’d actually get.
Rates below are illustrative, sourced from Chase’s consumer deposit rate sheet in effect October 23, 2026. Chase publishes rates by region and they change frequently — always verify your local rate at chase.com or in a branch before opening an account.
Chase CD Rates — As of October 23, 2026
Chase offers a “standard rate” (available to everyone) and a “relationship rate” (available when you link a qualifying Chase checking account — including Total Checking, Secure Checking, College Checking, High School Checking, Premier Plus, Sapphire Checking, or Private Client Checking). Relationship rates vary a lot by term: 0.02% to 0.50% on several short terms, 1.50% to 2.50% on others under 15 months, and 2.00% APY from 15 months up. Chase also marks a few terms as featured; on the 8-month and 13-month ones the relationship rates are higher, while the 2-month one pays 0.50%.
| CD Term | Standard Rate | Relationship Rate (deposits under $100K) | Relationship Rate ($100K+) |
|---|---|---|---|
| 1 month | 0.01% APY | 0.02% APY | 0.02% APY |
| 2 months (featured) | 0.01% APY | 0.50% APY | 0.50% APY |
| 3 months | 0.01% APY | 0.50% APY | 0.50% APY |
| 4 months | 0.01% APY | 1.75% APY | 1.75% APY |
| 5 months | 0.01% APY | 0.50% APY | 0.50% APY |
| 6 months | 0.01% APY | 2.25% APY | 2.25% APY |
| 7 months | 0.01% APY | 2.25% APY | 2.25% APY |
| 8 months (featured) | 0.01% APY | 3.50% APY | 4.00% APY |
| 9 months | 0.01% APY | 0.50% APY | 0.50% APY |
| 10 months | 0.01% APY | 1.50% APY | 1.50% APY |
| 11 months | 0.01% APY | 2.50% APY | 2.50% APY |
| 12 months | 0.01% APY | 0.50% APY | 0.50% APY |
| 13 months (featured) | 0.01% APY | 3.20% APY | 3.70% APY |
| 14 months | 0.01% APY | 0.50% APY | 0.50% APY |
| 15–120 months | 0.01% APY | 2.00% APY | 2.00% APY |
Rates shown are from Chase’s New York consumer deposit rate sheet in effect October 23, 2026. Chase’s rate sheets differ by region, and relationship rates need a linked checking account. Chase marks “featured” terms on each sheet and may change rates at its discretion, so check the current sheet. Verify your local, current rate at chase.com or in a branch. Rates and balance tiers may change at Chase’s discretion.
What $10,000 Earns at Chase vs. a Top Online Bank
| Chase Standard CD | Chase Featured 8-Month CD (relationship, under $100K) | Marcus High-Yield CD (12-month) | |
|---|---|---|---|
| Rate | 0.01% APY | 3.50% APY | 4.40% APY |
| Interest on $10K (annualized) | $1 | $350 | $440 |
Outside of Chase’s featured promotional terms, the gap between Chase and a top online bank is dramatic — a $10,000 CD at Chase’s 0.01% standard rate earns about $1 a year, versus $440 at an online bank such as Marcus paying 4.40% APY on a 12-month CD (October 15, 2026). Chase’s own featured terms can close much of that gap, but only if you have a linked qualifying checking account and choose the specific term Chase is currently promoting.
Chase CD Key Terms
- Minimum deposit: $1,000
- FDIC-insured: Yes, up to $250,000 per depositor, per ownership category
- Early withdrawal penalty (per Chase’s official CD terms):
- Original term under 6 months: 90 days of interest on the amount withdrawn
- Original term 6 months to under 24 months: 180 days of interest
- Original term 24 months or more: 365 days of interest
- In all cases, the penalty cannot exceed the total interest earned during the current term. If you withdraw within 7 days of opening the CD (or of a prior withdrawal), the minimum penalty is 7 days of interest.
- Auto-renewal: Chase provides a 10-day grace period after maturity during which you can withdraw or make changes without penalty; unless you act, the CD generally renews — confirm the current renewal terms for your specific CD before maturity.
- Opening options: Online for existing Chase checking customers; otherwise schedule a meeting with a banker
When Chase CDs Make Sense
Chase CDs rarely make financial sense on the standard rate alone. However, there are circumstances where they may be worth considering:
- You’re already a Chase customer and want to keep all your accounts in one place, simplifying tax documents and transfers — accepting a lower rate on non-featured terms in exchange for convenience
- You have a linked qualifying Chase checking account and want one of Chase’s currently featured promotional terms, which can pay a relationship rate close to online banks on the 8-month term
- You need a very short-term CD and value in-person branch support
- You’re watching for promotional rates — Chase marks certain terms as “featured” on its rate sheet, and some of them pay much higher relationship rates; check the sheet each time you’re ready to open a CD
Better Alternatives to Chase CDs
If you’re looking to earn the best return on your savings outside of Chase’s featured terms, compare it with online banks and credit unions. Confirm that a bank is FDIC-insured or a credit union is NCUA-insured:
| Institution Type | Approx. 1-Year APY (October 2026) | Minimum |
|---|---|---|
| Online bank example (Marcus 12-month) | 4.40% | $500 |
| Chase (standard, any term) | 0.01% | $1,000 |
| Chase (relationship, 12-month term) | 0.50% | $1,000 + qualifying linked checking account |
| Chase (relationship, currently featured 8-month term, $100K+) | 4.00% (8-month APY, not 1-year) | $100,000 for this rate + qualifying linked checking account |
The online bank rate is Marcus’s published 12-month CD APY (October 15, 2026); other online banks pay more or less. Confirm current rates directly with each institution before opening an account — rates change frequently.
Opening an online bank CD alongside your Chase checking account is straightforward — you can fund it by ACH transfer from an external account, and you can keep your Chase account for everyday spending.
Chase CD vs. Chase Savings Account
Chase’s savings account (Chase Savings℠) also pays a low standard rate — see the Chase savings account guide for the current rate and fee-waiver details. If you’re keeping money at Chase, a CD’s APY is disclosed on your deposit receipt when you open it, while Chase can change its savings rate whenever it chooses — an advantage for the CD, but one that only matters if the CD rate is competitive to begin with.
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