Chase CD Rates 2025: Current Rates and Options

Certificates of Deposit (CDs) remain a popular savings vehicle for individuals looking to earn guaranteed interest on their money over a fixed period. Chase Bank, one of the nation’s largest financial institutions, offers CD products with varying rates depending on deposit amounts and customer relationship status. Understanding Chase’s current CD rates and how they compare to other financial institutions can help you make informed decisions about where to place your savings.

Chase CD rates are competitive for existing checking customers who qualify for relationship rates, but standard rates are among the lowest in the industry. As of November 2025, Chase’s CD offerings provide several term options ranging from just one month to ten years, with rates that vary significantly based on whether you maintain a Chase checking account.

Understanding Chase CD Rate Types

Chase offers two primary types of CD rates: standard rates and relationship rates. Standard rates apply to all customers regardless of their banking relationship with Chase, while relationship rates are reserved exclusively for existing Chase checking account holders. The difference between these two rate categories is substantial, making relationship status a critical factor when evaluating Chase CDs.

Standard rates at Chase are exceptionally low, with most terms offering just 0.01% APY across the board. These rates are among the lowest available in the market and do not provide competitive returns on your savings. However, relationship rates, which are available only to Chase checking customers, are significantly higher and become increasingly attractive as deposit amounts increase.

Chase CD Rates by Term Length

Chase provides CD options across multiple term lengths to accommodate different savings timelines and financial goals. Here is a detailed breakdown of Chase CD rates as of November 2025:

Chase also offers featured CD rates for select short-term options. The 2-month CD features a 3.50% APY relationship rate for balances under $100,000 and 4.00% APY for balances of $100,000 or more, making these promotional rates among the most attractive options Chase currently offers. The 12-month featured CD provides 3.00% APY for relationship customers with balances under $100,000 and 3.25% APY for larger deposits.

Best Chase CD Rates Available

For customers seeking the highest returns on their Chase CDs, the best available rates are found in the promotional or featured CD terms. The 2-month featured CD offers up to 4.00% APY for relationship customers with deposits of $100,000 or more. The 10-month standard relationship CD also provides competitive returns at 3.15% APY for larger deposits, followed by the 4-month CD at 2.00% APY and the 10-month CD at 2.65% APY for relationship customers with balances under $100,000.

The 12-month featured CD is another solid option, offering 3.25% APY for larger deposits, making it attractive for customers with a one-year savings horizon. For longer-term commitments, rates plateau at 2.00% APY across three-year, five-year, and ten-year terms for relationship customers.

Geographic Variation in Chase CD Rates

It’s important to note that Chase CD rates can vary by geographic location and local market conditions. While the rates discussed here represent typical offerings, your specific location may have slightly different rates. For example, rates in San Francisco may differ from rates in New York City or other regions. When comparing Chase CDs, be sure to check rates specific to your zip code, as Chase updates rates based on local market factors.

How Chase CD Rates Compare to Competitors

While Chase offers convenient access to CDs through their extensive branch network and online platform, their rates are generally among the lowest in the industry compared to online banks and credit unions. Online banking institutions frequently offer CD rates ranging from 3.50% to 4.25% APY across various terms, significantly outpacing Chase’s offerings even for relationship customers.

For example, some online banks offer rates as high as 4.20% APY for terms ranging from six months to three years, which substantially exceeds Chase’s promotional 2-month rate of 4.00%. This means that customers prioritizing maximum returns should compare Chase rates against online-only banks before making a final decision, despite the convenience factor of having CDs managed at a traditional bank where they maintain checking accounts.

Should You Open a Chase CD?

Whether to open a Chase CD depends on your priorities and financial situation. If you already maintain a Chase checking account and value convenience—having all your accounts in one place—then Chase CDs may be worth considering, particularly for shorter-term promotional rates. The relationship rates available to existing customers significantly exceed standard rates and provide reasonable returns for a large bank.

However, if your primary goal is maximizing returns on your savings and you’re willing to bank with an online institution or credit union, you’ll likely find higher rates elsewhere. The difference can be substantial over the life of the CD, particularly for longer terms. Consider calculating the actual dollar difference between Chase’s rates and competitors’ rates based on your deposit amount and timeline to make an informed decision.

Opening and Managing a Chase CD

Opening a Chase CD is straightforward whether you choose to do so online, via mobile app, or at a Chase branch. Existing checking customers automatically qualify for relationship rates. If you don’t have a Chase checking account, you can open one simultaneously with your CD, though you’ll initially receive standard rates unless you already meet relationship banking criteria.

CD rates are locked once you open the account, meaning your rate will not change for the duration of the term regardless of market rate fluctuations. This provides stability and predictability, which many savers appreciate. However, be aware of early withdrawal penalties if you need access to your money before the CD matures. Chase’s early withdrawal penalties vary by term length and should be reviewed before opening the account.

Frequently Asked Questions About Chase CDs

Q: What is the minimum deposit required to open a Chase CD?

A: Chase typically requires a minimum deposit of $1,000 to open a CD. Some promotional CDs may have different minimums, so verify the specific requirement for your chosen term.

Q: Can I access my money early from a Chase CD?

A: Yes, but early withdrawal from a CD results in a penalty that reduces your earnings. The specific penalty depends on the CD term, so review Chase’s terms before opening to understand the cost of early withdrawal.

Q: Do I need to be an existing Chase customer to get the highest rates?

A: Yes, the best Chase CD rates are available only as relationship rates for existing Chase checking account holders. Non-customers receive standard rates of 0.01% APY.

Q: How often are Chase CD rates updated?

A: Chase updates CD rates regularly, typically on business days in the morning. However, rates lock once you open the CD and do not change during the term.

Q: What happens when my Chase CD matures?

A: When your CD matures, you have a grace period to decide whether to withdraw your funds, let the CD auto-renew, or move your money to a different product. Chase will notify you of your options before maturity.

Q: Are Chase CDs FDIC insured?

A: Yes, Chase CDs are covered by FDIC insurance up to the standard limit of $250,000 per depositor, per insured bank, for each account ownership category.

Q: How do promotional CD rates differ from regular Chase CD rates?

A: Promotional or featured CDs offer higher rates for select term lengths as part of limited-time offers. These rates are significantly higher than standard rates for those specific terms but may not represent Chase’s best rates across all terms.

Maximizing Your CD Strategy

To get the most from a CD investment strategy with Chase or any bank, consider laddering your CDs across multiple terms. This approach involves purchasing CDs with staggered maturity dates, allowing you to access portions of your money periodically while maintaining principal safety and consistent returns. Additionally, always compare Chase’s current rates against competitors before committing funds, as rates change frequently and online alternatives may offer substantially better returns for your savings.

Similar Articles

Credit Freeze Myths Debunked

Best Credit Cards for 600 Credit Score

Breaking a Lease: Credit Impact Risks

Does Disputing Credit Errors Hurt Your Score?

Access Small Loans Despite Poor Credit History

Top Mortgage Refinance Lenders 2026

Author

Sneha TeteBeauty & Lifestyle Writer

 

Sneha is a relationships and lifestyle writer with a strong foundation in applied linguistics and certified training in relationship coaching. She brings over five years of writing experience to fundfoundary,  crafting thoughtful, research-driven content that empowers readers to build healthier relationships, boost emotional well-being, and embrace holistic living.

Read full bio of Sneha Tete