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Chase CD rates today are an important consideration for savers who want predictable returns on money they do not need to access immediately. chase cd rates today A certificate of deposit, commonly called a CD, allows you to deposit money for a set period and earn interest according to the account’s terms. Chase offers multiple CD maturities, from short-term options to terms lasting several years.
However, the interest rate you receive depends on the selected term, whether you qualify for a relationship rate, your deposit balance, and the bank’s current offers. Rates can change, so checking the official rate sheet before opening an account is essential.
1. What Are Chase CD Rates Today?
According to Chase’s official consumer deposit rate sheet effective October 16, 2026, relationship CD rates range from very low yields on some terms to higher promotional rates on selected maturities. Standard CD rates listed on the same sheet are generally 0.01% APY. chase cd rates todayThe best rate depends on the term and qualifying balance.
The following examples show selected annual percentage yields, or APYs, from the official rate sheet:
| CD term | Relationship APY for balances below $100,000 | Relationship APY for balances of $100,000 or more |
|---|---|---|
| 2 months | 0.50% | 0.50% |
| 4 months | 1.75% | 1.75% |
| 6 months | 2.25% | 2.25% |
| 8 months | 3.50% | 4.00% |
| 11 months | 2.50% | 2.50% |
| 13 months | 3.20% | 3.70% |
| 15 months | 2.00% | 2.00% |
| 3 years | 2.00% | 2.00% |
These are examples, not guaranteed offers for every customer or location. The official rate sheet may change, and Chase directs customers to enter their ZIP code to see the most accurate applicable rates. Always confirm the rate shown when you apply.
2. Understanding Chase Standard and Relationship CD Rates
Chase provides standard CD rates and relationship rates. Understanding the distinction is important because it can make a substantial difference in how much interest you earn.
Standard CD Rates
Standard rates are available without qualifying for the bank’s relationship-rate program. The October 16, 2026, consumer rate sheet lists a 0.01% APY standard rate across the displayed CD terms.
At this rate, a $10,000 deposit would earn approximately $1 in interest over one year, assuming the rate remained applicable and ignoring other account-specific considerations.
Relationship CD Rates
Relationship rates are available to eligible customers with a qualifying linked Chase checking account. The official disclosure identifies several eligible checking-account types, chase cd rates today including Total Checking, Secure Banking, College Checking, and certain premium accounts.
Some relationship rates are significantly higher than the standard rate. Before opening a CD, confirm that your checking account qualifies and check whether the rate depends on the deposit amount or maturity term.
3. How Much Interest Can You Earn With a Chase CD?
Your potential earnings depend on your deposit, the APY, and the CD’s term. APY reflects the annual return including the effect of compounding, making it a useful way to compare deposit products.
For example, if you deposit $10,000 into a CD paying 3.50% APY for one full year, you could earn approximately $350 in interest, assuming the APY remains applicable for the full year and the account meets its terms.
A CD with a shorter term earns interest for less time. chase cd rates today To compare offers fairly, look at the APY and the maturity date rather than focusing only on the headline interest rate.
Remember that promotional terms may last less than a year. chase cd rates today A four-month CD at a stated APY does not earn that entire annualized percentage as four months of interest.
4. What Is the Minimum Deposit for a Chase CD?
Chase’s official CD disclosure states that a minimum deposit of $1,000 is required to open a CD. This requirement means you should ensure the amount you want to save meets the bank’s minimum before beginning the application.
Consider keeping emergency funds outside a CD. A certificate of deposit is generally intended for money you can leave untouched until maturity, and withdrawing principal early can trigger a penalty.
If you are saving for a known expense, such as tuition, a home project, or a planned purchase, choose a maturity date that fits your expected cash needs.
5. Can You Withdraw Money From a Chase CD Early?
Chase CDs have a fixed maturity date, and early withdrawal penalties apply. Taking money out before the term ends can reduce your earnings and may affect the principal returned to you, depending on the account terms.
Before opening a CD, review the account agreement for the applicable penalty and any restrictions on withdrawals. If you think you may need access to your money unexpectedly, chase cd rates today a regular savings account or another liquid option may be more suitable.
At maturity, review the options available to you. Depending on the account’s terms, you may be able to withdraw the funds, change the term, or allow the CD to renew. chase cd rates today Check the maturity notice and grace-period rules so you do not unintentionally renew at a less favorable rate.
6. Are Chase CD Rates Competitive in 2026?
Whether Chase offers a competitive CD rate depends on the specific maturity and current offers from other financial institutions. Some banks and credit unions advertise higher APYs, while Chase may appeal to customers who value managing their banking relationships in one place.
When comparing options, examine:
- APY: Compare the annual percentage yield rather than only the stated interest rate.
- Minimum deposit: Check whether the account requires $1,000 or another amount.
- Term length: Make sure the maturity date fits your financial plans.
- Eligibility: Determine whether the highest advertised rate requires a linked checking account or a larger balance.
- Early withdrawal rules: Review the penalty and account restrictions.
- Insurance: Verify that the institution and account are covered by applicable deposit insurance.
A slightly higher APY may not be worth it if the term does not match your needs or you could face a penalty for withdrawing early. chase cd rates today Compare the complete terms before making a decision.
7. How to Find and Open a Chase CD
You can check current rates through Chase’s official website. The bank’s deposit disclosure page asks you to enter a five-digit U.S. ZIP code to display the most accurate information for your location.
Follow these steps:
- Visit Chase’s official Deposit Disclosures and Interest Rates page.
- Enter the requested ZIP code and view the available deposit rates.
- Compare the CD term, APY, deposit requirements, and relationship eligibility.
- Review the CD account agreement and early withdrawal penalty.
- Choose a term that matches when you expect to need the money.
- Confirm the rate and terms displayed before completing the application.
Official rate page: https://www.chase.com/digital/disclosures-and-interest-rates-personal
Because rates can change, the rate shown during your application is more useful than a rate quoted in an older article.
Frequently Asked Questions
1. What are Chase CD rates today?
Chase CD rates vary by term, balance, eligibility, and location. Its official rate sheet effective October 16, 2026, lists relationship APYs including 3.50% for an eight-month CD on balances below $100,000 and 4.00% for balances of $100,000 or more. Confirm the current rate before applying.
2. What is the minimum deposit for a Chase CD?
Chase’s consumer CD disclosure lists a $1,000 minimum deposit to open a CD.
3. Do Chase CDs offer fixed interest rates?
CDs generally have an agreed rate for the selected term. Review the specific account disclosures to understand the applicable rate and how it is treated at renewal.
4. What is a Chase relationship CD rate?
A relationship rate is available to eligible customers who maintain a qualifying linked Chase checking account. Eligibility and the rate offered should be confirmed with the bank.
5. Can I lose money by withdrawing a Chase CD early?
An early withdrawal penalty applies and can reduce your earnings. Depending on the penalty and account terms, the amount returned may be less than expected.
6. Are Chase CDs FDIC-insured?
Eligible deposits at JPMorgan Chase Bank, N.A., are FDIC-insured up to applicable limits and subject to ownership-category rules. Review the FDIC’s guidance and Chase’s account disclosures for details.
7. Are Chase CD rates better than savings account rates?
It depends on the specific products and current rates. A CD may offer a higher return in exchange for locking money away for a fixed term, while a savings account typically provides easier access to funds.
8. Where can I check the latest Chase CD rates?
Visit Chase’s official deposit disclosures page and enter your ZIP code to see the rates applicable to your location.
Conclusion
Chase CD rates today vary by maturity, relationship eligibility, and deposit balance. The bank’s official rate sheet dated October 16, 2026, shows that selected short-term CDs offer higher relationship APYs than standard rates, while many longer-term options carry lower yields. chase cd rates today Before opening an account, verify the current APY, minimum deposit, maturity date, and early withdrawal penalty. Compare Chase with other insured financial institutions and choose the CD that best matches your savings timeline. For the most accurate information, use Chase’s official rate page rather than relying on an older rate table.
