Table of Contents Expand Table of Contents Key Features Pros and Cons About Chase Bank Alternatives FAQs Your Guide to CDs We independently evaluate all of our recommendations. If you click on links we provide, we may receive compensation. Chase CD Rates: July 2026 Chase offers flexible terms but low APYs on its certificates of deposit By Rebecca McClay Full Bio Rebecca McClay has 10+ years of experience writing and editing content. Rebecca is an expert in personal finance, business, and financial markets. She received her master's in business journalism from Arizona State University and her bachelor's degree in journalism from the University of Maryland. Learn about our editorial policies Updated June 29, 2026 Catherine Falls Commercial / Getty Images. While Chase offers a wide variety of CDs, its rates are low for most terms. But certain featured terms—reserved for those with a Chase checking account—have much higher rates, reaching as much as 4.00% APY. Depending on the length of the CD, some of these offers may be competitive with the best CD rates available. Below, you'll find an overview of Chase Bank’s CD rates for various terms and balances. The standard rates are for non-Chase customers, while the relationship rates are for customers with a linked Chase personal checking account. Important Chase's CD rates may vary by location, and the rates listed below may not be available in all zip codes. The APYs listed below use NYC zip code 10001. Chase Standard CD Overview CD Term APY Across All Balances Minimum Deposit All monthly terms: 1, 2, 3–5, 6–8, 9–11, 12–14, 15–17, 18–20, 21–23, 24–29, 30–35, 36–41, 42–47, 48–120 0.01% $1,000 Chase Relationship CD Overview CD Term APY ($1,000–$9,999) APY ($10,000–$99,999) APY ($100,000+) 1 month 0.02% 0.02% 0.02% 2 months (Featured Rates) 3.50% 3.50% 4.00% 3 months 1.50% 1.50% 1.50% 5 months 1.50% 1.50% 1.50% 6 months(Featured Rates) 0.50% 0.50% 0.50% 9 months 0.50% 0.50% 0.50% 10 months 1.50% 1.50% 1.50% 11 months(Featured Rates) 2.50% 2.50% 3.00% 12 months 1.50% 1.50% 1.50% 15 months 2.00% 2.00% 2.00% 18 months 2.00% 2.00% 2.00% 21 months 2.00% 2.00% 2.00% 24 months 2.00% 2.00% 2.00% 30 months 2.00% 2.00% 2.00% 36 months 2.00% 2.00% 2.00% 42 months 2.00% 2.00% 2.00% 48–120 months 2.00% 2.00% 2.00% Chase Bank CDs: Key Features Chase Bank CDs Key Features APY Range Standard rate: 0.01%; Relationship rates: 0.02%–4.00% Minimum Deposit $1,000 Term Range 1–120 months Early Withdrawal Penalty 90 days of interest for terms less than 6 months; 180 days interest for terms of 6–24 months; 365 days interest for terms of 24 months or longer Important When your Chase CD matures, or reaches the end of its term, you have 10 days to make changes or withdraw the money. Otherwise, your CD will automatically renew with the same rate and term. Pros and Cons of Chase Bank CDs Pros Highest rates are competitive Flexible terms Cons Low rates for many terms Higher minimum deposit requirements Pros Explained Highest rates are competitive: Chase offers competitive CD rates for certain terms, with the best rates reserved for customers with a linked Chase personal checking account.Flexible terms: Chase offers CD terms with varying lengths, up to five years. Cons Explained Low rates for many terms: Chase's highest CD interest rates are generally competitive, but most CD terms come with low rates compared to other providers.Higher minimum deposit requirements: Chase Bank's minimum deposit requirement of $1,000 is on the high end. About Chase Bank With over 5,000 branches across the U.S., Chase Bank is one of the largest full-service banks in the country with many promotional bonus offers. The full-service bank offers a wide variety of financial services, including two savings account options, other types of deposit accounts, rewards credit cards, and numerous other financing options. Alternatives to Chase Bank CDs Other high-interest CDs: Chase Bank's highest CDs rates are competitive with interest rates on other CDs. But shop around to get the best rates. Check the best CD rates currently available before making a deposit. High-yield savings account: If you want to protect your funds while also earning interest, you can also consider a high-yield savings account. Some high-yield accounts offer APYs of 4% or more. Checking account: A checking account is another option for storing your cash, especially if you don’t want to be subject to withdrawal limits. Some high-interest checking accounts can provide more returns on your cash than traditional checking accounts. Money market account: Money market accounts are similar to savings accounts, though they may also come with check-writing abilities and a debit card. You can often earn a good rate on your savings, but you might have to deal with monthly fees or minimum balance requirements. I bonds: I bonds from the U.S. government are an investment option for protecting your savings from inflation. I bonds may or may not offer a higher rate than the best CDs. When you invest, you have to commit to leaving your money in the I bond for at least a year. Frequently Asked Questions (FAQs) Does Chase Have a Minimum Deposit to Open a CD Account? The minimum deposit requirement to open a Chase Bank CD account is $1,000. What Are the APYs of a Chase CD Account? If you have a linked Chase checking account, you can receive a CD account APY anywhere from 0.02% to 5.00%, depending on your CD term and balance. If you’re not a Chase customer, you’ll receive a much lower standard rate, regardless of your CD term or balance. What Are the Term Options for a Chase CD Account? The term options for a Chase CD account range from 1 to 120 months. Different term lengths have different APYs, and early withdrawal penalties will apply. Learn about short-term vs. long-term CDs here. Do You Need a Chase Checking Account to Open a Chase CD Account? You don’t need a Chase checking account to open a Chase CD account. However, you need to link a Chase personal checking account to your CD to qualify for Chase’s relationship rates, which vary based on CD term and balance. If you don’t bank with Chase, you’ll be limited to a low CD rate across all CD terms and balances. Your Guide to CDs What Is a Certificate of Deposit (CD)? What Is a Brokered CD? What Is a CD Ladder? Pros and Cons of CDs How to Invest With CDs How to Open a CD How to Close a CD CDs vs. Annuities CDs vs. Stocks CDs vs. Mutual Funds CDs vs. ETFs CDs vs. Savings Accounts Short-Term vs. Long-Term CDs CD Rates News Best 1-Year CD Rates Best 18-Month CDs Best Jumbo CD Rates Best 6-Month CD Rates Best 3-Month CD Rates Best Bank CD Rates Article Sources Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy. JPMorgan Chase & Co. "Here’s What to Do When Your CD Matures." Open a New Account Advertiser Disclosure × The offers that appear in this table are from partnerships from which Investopedia receives compensation. This compensation may impact how and where listings appear. Investopedia does not include all offers available in the marketplace. Read more Personal Finance Banking Certificates of Deposit (CDs) Open a New Account Advertiser Disclosure × The offers that appear in this table are from partnerships from which Investopedia receives compensation. This compensation may impact how and where listings appear. Investopedia does not include all offers available in the marketplace. Related Articles Charles Schwab CD Rates: July 2026 Fidelity CD Rates: July 2026 Edward Jones CD Rates: July 2026 EverBank CD Rates: July 2026 Should You Lock In a Vanguard CD This Month? Check the Latest Rates KeyBank CD Rates for July 2026: How Much Longer Will They Last? Best 3-Month CD Rates for July 2026: Quick Deals Up to 5.00% Best 5-Year CDs for July 2026: Lock In Multi-Year Growth Up to 4.28% Best 4-Year CDs for July 2026: Strong Rates Up to 4.30% Best 2-Year CD Rates for July 2026: Up to 4.42% Synchrony Bank CD Rates: July 2026 Best 1-Year CD Rates for July 2026: 4.30% APY Still Available CIT Bank CD Rates: July 2026 Truist CD Rates: July 2026 Citibank CD Rates: July 2026 Third Federal CD Rates: July 2026 Newsletter Sign Up By clicking “Accept All Cookies”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. Cookies Settings Accept All Cookies