What CD Rates Chase Bank Offers Right Now

Chase CD rates change weekly, and the rate you get depends on how long you lock your money away

Chase Bank publishes new CD rates every week, but the exact rate you see depends on three things: how much money you deposit, how long you agree to leave it there, and which Chase product you choose. A 3-month CD pays less than a 5-year CD because the bank has your money for a shorter time. A $100,000 deposit may earn a different rate than a $1,000 deposit. Chase also offers different products — standard CDs, high-yield savings accounts that work like CDs, and promotional rates that last for a limited time.

To find the current rates, visit chase.com directly or call Chase at 1-800-935-9935. The rates shown on the website are live and update weekly. You can also visit a Chase branch in person to ask about current offerings. Do not rely on rates you see quoted elsewhere — Chase's own website and phone line are the only sources that show what you will actually receive when you open an account today.

Key Takeaways

• Chase CD rates are updated weekly and vary based on deposit amount, term length, and product type.
• Longer CD terms (like 5 years) typically pay higher rates than shorter terms (like 3 months).
• You can check current rates on chase.com, by phone at 1-800-935-9935, or at a local Chase branch.
• Chase sometimes offers promotional rates for limited periods, so rates available today may differ next week.
• The rate you receive is locked in when you open the account and does not change for the full CD term.

How CD terms affect the rate you receive

A CD is a contract between you and the bank. You give the bank a sum of money, and the bank promises to pay you a fixed interest rate for a set period — called the term. Common terms at Chase are 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years. The longer the term, the higher the rate, because the bank gets to use your money for longer.

For example, a 3-month CD might pay 4.00% annually, while a 5-year CD might pay 4.50% annually (these are example rates only — actual rates change weekly). When your term ends, the bank returns your principal plus the interest earned. If you withdraw money before the term ends, Chase charges an early withdrawal penalty, which reduces what you get back.

Deposit amounts and rate tiers

Chase sometimes offers different rates based on how much you deposit. A deposit of $1,000 might earn one rate, while $100,000 earns a higher rate. Not all CDs have tiered rates — some offer the same rate regardless of deposit size. Check the specific CD product details on chase.com to see whether deposit amount affects the rate.

If you have a large sum to invest, ask a Chase representative whether a higher deposit tier unlocks a better rate. The difference between tiers can be small (0.10% to 0.25%), but on a large deposit over several years, it adds up.

Promotional rates and limited-time offers

Chase periodically offers promotional CD rates that are higher than standard rates, but only for a limited time or for new customers. These promotions might explore to specific term lengths — for example, a 1-year CD promotion but not a 2-year CD. Promotional rates are usually advertised on the Chase homepage and in branch materials.

Promotional rates are locked in when you open the account, just like standard rates. Once the promotion ends, new customers see the standard rate instead. If you are considering a CD, check whether a promotion is currently running, because the extra rate can meaningfully increase your earnings over the CD term.

Where to find and compare Chase CD rates

The most reliable source for current Chase CD rates is chase.com. Go to the Savings & CDs section, select "CDs," and you will see a table showing term lengths and corresponding rates. The rates update weekly, usually on Tuesdays or Wednesdays, though the exact day varies.

You can also call Chase at 1-800-935-9935 to speak with a representative who can quote rates for the specific term and deposit amount you are considering. Visit a local Chase branch if you prefer to open a CD in person. Bring your ID and the amount you plan to deposit so the representative can confirm the rate and open the account on the spot.

What happens when your CD matures

When your CD term ends, Chase sends you a notice (usually by mail) telling you the maturity date and asking what you want to do. You have a grace period — typically 7 to 10 days — to decide. If you do nothing, Chase automatically renews the CD at the current rate for the same term length. If you want to withdraw the money or move it elsewhere, you must contact Chase before the grace period ends.

If you withdraw the full amount before the term ends, Chase deducts an early withdrawal penalty from your interest earnings or principal. The penalty amount depends on the term length — longer terms have larger penalties. For example, a 5-year CD might have a penalty equal to 6 months of interest, while a 1-year CD might have a penalty equal to 3 months of interest. Check the CD disclosure document before you open an account to see the exact penalty for that product.

How Chase CD rates compare to other banks

Chase is a large national bank, and its CD rates are typically competitive but not always the highest available. Online banks and credit unions sometimes offer higher rates because they have lower overhead costs. If you are shopping for the best CD rate, compare Chase's current offerings to rates at other institutions using a rate comparison tool or by calling a few banks directly.

The difference between banks can be meaningful. If one bank pays 4.75% and another pays 4.25% on a 2-year CD with a $10,000 deposit, the higher rate earns you about $50 more over two years. On larger deposits or longer terms, the difference grows. That said, Chase offers the convenience of local branches, which matters if you prefer to handle banking in person.

Frequently Asked Questions

Can I withdraw money from a Chase CD before it matures?

Yes, but Chase charges an early withdrawal penalty. The penalty is usually a certain number of months of interest — for example, 6 months of interest on a 5-year CD. The exact penalty depends on the product and term length. You can find the penalty amount in the CD disclosure document before you open the account.

What is the minimum deposit for a Chase CD?

Chase typically requires a minimum deposit of $1,000 to open a CD, though some products may have different minimums. Check the specific CD product page on chase.com or call 1-800-935-9935 to confirm the minimum for the term you are interested in.

Are Chase CDs FDIC insured?

Yes. Chase is an FDIC-insured bank, and CDs are covered up to $250,000 per depositor per bank. If you have multiple CDs at Chase, the total coverage across all your accounts at that bank is $250,000. If you have more than $250,000 to invest, you can open CDs at different banks to increase your coverage.

How often do Chase CD rates change?

Chase updates CD rates weekly, usually on the same day each week. The rate you lock in when you open the account stays the same for the entire term, even if Chase's rates go up or down later. When your CD matures and renews, the new rate reflects whatever Chase is offering at that time.

Can I open a Chase CD online?

Yes. You can open most Chase CDs on chase.com without visiting a branch. You will need to verify your identity and have a Chase checking or savings account, or be able to open one as part of the CD process. Some promotional CDs may have different requirements — check the product details before you start.