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Chase CD Rates Today
By Markets & Investing DeskUpdated Nov 10, 2026
Chase CD rates are not verified yet · the FDIC figures below are national benchmarks, not Chase rates
National CD Rates Today
| Product | National rate | Rate cap | Treasury yield |
|---|---|---|---|
| Savings | 0.38% | 4.63% | 3.88% |
| Interest Checking | 0.07% | 4.63% | 3.88% |
| Money Market | 0.63% | 4.63% | 3.88% |
| 1 month CD | 0.23% | 5.57% | 4.02% |
| 3 month CD | 1.14% | 5.79% | 4.20% |
| 6 month CD | 1.39% | 5.95% | 4.33% |
| 12 month CD | 1.76% | 6.20% | 4.54% |
| 24 month CD | 1.55% | 6.61% | 4.88% |
| 36 month CD | 1.39% | 6.75% | 5.00% |
| 48 month CD | 1.31% | 6.75% | 5.00% |
| 60 month CD | 1.41% | 6.86% | 5.09% |
FDIC national rates and rate caps · October 19, 2026
How Much Does $10,000 Earn in One Year?
| Deposit | Rate | APY | Earnings, 1 year |
|---|---|---|---|
| $10,000 | National average | 1.76% | $176 |
| $10,000 | Treasury yield | 4.54% | $454 |
| $10,000 | Rate cap | 6.20% | $620 |
Chase CD rates come in two layers. A standard rate applies to anyone who opens a certificate of deposit, and a higher relationship rate applies when the CD is linked to an eligible Chase personal checking account. The standard rate has historically been very low and identical across terms and balances, while relationship rates vary by term. The benchmarks above are FDIC national figures, not Chase quotes, so the Chase APY for your term, balance and ZIP code has to come from Chase when you open the account.
How Chase Structures Its CD Rates
Four inputs decide which APY a Chase CD earns.
- Relationship status. No Chase checking account is required to open a CD. Without a linked Chase personal checking account, though, you receive the standard rate. Linking one qualifies the CD for relationship pricing.
- Term. Terms run from 1 month to 120 months (10 years). Chase has grouped some terms into bands on its rate sheet, such as 3 to 5 months or 48 to 120 months, and each band carries a single rate.
- Balance tier. Relationship rates have been quoted in three tiers: $1,000 to $9,999, $10,000 to $99,999, and $100,000 and up. Most terms have paid the same rate in all three tiers. Some featured terms have paid more in the top tier.
- Location. Chase’s CD rates can vary by ZIP code, so a rate quoted for one city may not be offered in another.
Featured terms matter most to the outcome. Relationship rates have not risen steadily with term length: a featured short term has sometimes paid several times the rate of the term one month longer or shorter. A 12-month Chase CD is not guaranteed to beat a 7-month one, so choosing a term by habit can leave most of the available yield unclaimed.
If you open a checking account only to unlock relationship pricing, count its cost. Chase Total Checking carries a $15 monthly fee, and on a modest CD a fee you don’t avoid can cancel the gap between the standard and relationship rates.
Chase CD Terms at a Glance
| Feature | Chase terms |
|---|---|
| Minimum deposit | $1,000 |
| Term range | 1 to 120 months |
| Early withdrawal penalty | 90 days of interest for terms under 6 months; 180 days of interest for terms of 6 to 24 months; 365 days of interest for terms of 24 months or longer |
| Grace period at maturity | 10 days |
| Rate types | Standard rate; relationship rate with a linked Chase personal checking account |
The penalty bands are shown as Chase has listed them, and both the middle band and the top band mention 24 months. If you are weighing a 24-month CD and might withdraw early, ask Chase which penalty applies.
A $1,000 opening minimum sits at the higher end of the CD market, where many online banks accept smaller deposits.
Reading the National Benchmarks on This Page
The FDIC figures above give you a yardstick for any Chase quote. Each column measures something different.
National Rate
The national rate is the FDIC’s average rate for that product across U.S. banks. A Chase APY below the national rate for the closest term is a weak offer by market standards. One well above it, as Chase’s featured terms have sometimes been, is competitive with ordinary bank pricing. The FDIC series covers set terms (1, 3, 6, 12, 24, 36, 48 and 60 months), so compare an in-between Chase term, such as 7 or 11 months, with the nearest terms on either side.
Rate Cap
The national rate cap is a regulatory ceiling. Under FDIC rules, banks that are less than well capitalized generally cannot pay deposit rates meaningfully above it. It marks the top of the range a bank can legally offer without a waiver. It is not a rate any bank is offering you, and it does not predict where Chase will price.
Treasury Yield
The Treasury column shows the government benchmark the FDIC pairs with each maturity. Treasury bills and notes are an alternative home for cash, and their yields are a market reference for what term money is worth. When a bank CD pays far less than the Treasury yield for a similar maturity, you are giving up return in exchange for branch access or convenience.
Turning an APY Into Dollars
APY (annual percentage yield) already includes compounding. For a one-year CD, the math is simple:
Interest earned = Deposit × APY
For a term that is not one year, compound the APY over the fraction of a year:
Interest earned = Deposit × [(1 + APY)^(months ÷ 12) − 1]
Hypothetical example: you deposit $10,000 in a 7-month CD at an illustrative 3.00% APY. The exponent is 7 ÷ 12 ≈ 0.583, and 1.03^0.583 ≈ 1.0174, so you earn about $174 by maturity, assuming no withdrawals and that interest stays in the CD. The same deposit at an illustrative 0.01% APY earns roughly 58 cents over those seven months.
Early Withdrawal and Maturity
What Breaking a CD Costs
The penalty is measured in days of interest, so its dollar size depends on your rate and balance. Hypothetical example: on the $10,000, 3.00% APY, 7-month CD above, the 180-day penalty is about $10,000 × 3.00% × 180 ÷ 365 ≈ $148, assuming simple interest at the CD’s rate. Chase’s account agreement sets the exact method. If you haven’t yet earned enough interest to cover the penalty, the rest comes out of principal, a real risk when you exit a short CD early.
The 10-Day Grace Period
When a Chase CD matures, you have 10 days to withdraw the money, add funds or change the term without penalty. If you do nothing, the CD may renew automatically at the rate that applies to the new term, which can be far lower if the original term was a featured offer. Review the current rate sheet before the grace period closes.
What Drives Chase CD Rates
Bank CD rates follow broader interest rates. When the Federal Reserve moves the fed funds rate and Treasury yields follow, banks usually adjust deposit pricing, though not one for one or on the same day. Within that environment, Chase chooses which terms to feature, how much extra a $100,000-plus balance earns and how pricing differs by location, and it can change any of these. Today’s rate does not guarantee next month’s, but a CD you have already opened keeps its rate for the full term.
Inflation changes what a fixed CD rate is worth in real terms. A CD paying less than inflation loses purchasing power even though its balance grows.
Safety and the Bank Behind the CD
Chase CDs are issued by JPMorgan Chase Bank, N.A., an FDIC-insured bank. Coverage is $250,000 per depositor, per insured bank, per ownership category, and CDs count toward that limit together with your other deposits at Chase. Larger balances may need a different ownership category or a second bank to stay fully insured.
Alternatives to a Chase CD
- CDs at other banks. Online banks and credit unions often price their terms more evenly than Chase. Compare any Chase quote against our best CD rates today.
- High-yield savings accounts. Variable rates with no lock-up, for money you may need on short notice. See high-yield savings accounts.
- Treasury bills. Short government securities whose yields track the Treasury column above, with interest exempt from state and local income tax.
