Chase’s standard CD rate is a flat 0.01% APY on every term as of a Chase consumer rate sheet effective September 11, 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 a 7-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 $420–$440 at a top online bank paying 4.20%–4.40% APY. 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 New York-market consumer rate sheet dated September 11, 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 September 11, 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). On most terms, the relationship rate is only modestly higher than standard. But Chase also runs a small number of featured terms at meaningfully higher relationship rates.
| 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 |
| 6 months | 0.01% APY | 0.50% APY | 0.50% APY |
| 7 months (featured) | 0.01% APY | 3.50% APY | 4.00% APY |
| 10 months | 0.01% APY | 1.50% APY | 1.50% APY |
| 11 months (featured) | 0.01% APY | 3.00% APY | 3.50% APY |
| 12 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-market consumer rate sheet, effective September 11, 2026. Chase sets rates by zip code and account relationship, and “featured” promotional terms change over time — the specific terms featured today may not be the same in a few months. 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 7-Month CD (relationship, $100K+) | Top Online Bank (1-year) | |
|---|---|---|---|
| Rate | 0.01% APY | 4.00% APY | ~4.30% APY |
| Interest on $10K (annualized) | $1 | $400 | $430 |
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 roughly $430 at a leading online bank paying about 4.30% APY (based on September 2026 rate comparisons from NerdWallet and Bankrate). 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: In branch, via the Chase mobile app, or online
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 competitive with online banks for that specific term
- You need a very short-term CD and value in-person branch support
- You’re watching for promotional rates — Chase periodically rotates which terms are “featured” at higher relationship rates; these are worth checking 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, these alternatives all offer FDIC or NCUA insurance:
| Institution Type | Approx. 1-Year APY (September 2026) | Minimum |
|---|---|---|
| Top online banks | ~4.20%–4.40% | $0–$2,500 |
| Chase (standard, any term) | 0.01% | $1,000 |
| Chase (relationship, non-featured terms) | ~0.50% | $1,000 + qualifying linked checking account |
| Chase (relationship, currently featured 7-month term, $100K+) | 4.00% | $100,000 + qualifying linked checking account |
Online bank rates are approximate, based on a September 2026 comparison of published 1-year CD rates from NerdWallet and Bankrate. 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 — most banks accept ACH transfers from external accounts in 1–3 business days, 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 does lock in its rate for the full term, meaning it won’t change mid-term — which is one advantage over Chase’s variable savings rate, but only matters if the CD rate you locked in is competitive to begin with.
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