CD Rates Chase – High-Yield Certificates of Deposit

Are you considering locking away some savings for a guaranteed return? Then a Chase Certificate of Deposit (CD) might be a good option for you. CDs offer a fixed interest rate for a set term, meaning you’ll know exactly how much your money will grow over that time. However, CD rates chase can vary depending on the term length and whether you have an existing relationship with the bank. This introduction explores Chase’s CD rates, highlighting the difference between standard and relationship rates, along with some of the pros and cons to consider before opening a Chase CD.

CD Rates Chase

Chase, like many banks, offers CDs with varying terms and interest rates. These rates determine how much your money will grow over the CD’s maturity period. Typically, longer terms come with higher rates. Chase’s CD rates are competitive within the market, offering a safe haven for your savings while generating returns.

Why Choose a Chase CD?

  • Competitive Rates: Chase offers competitive CD rates, potentially surpassing traditional savings accounts.
  • Security: Your funds are FDIC-insured up to $250,000, providing peace of mind.
  • Flexibility: Choose from various CD terms ranging from a few months to several years to suit your savings goals.
  • Convenience: Manage your CD online or through the Chase mobile app for effortless tracking.

Benefits of Chase CDs

  • Security: CDs are FDIC-insured, meaning your money is insured up to $250,000 per depositor, per insured bank, for most account types. This provides peace of mind knowing your savings are protected.
  • Predictable Returns: Unlike the stock market’s fluctuations, CD rates are fixed at the time of deposit. This allows you to plan your finances with certainty.
  • Variety of Terms: Chase offers CDs with a range of maturity periods, from a few months to several years. You can choose a term that aligns with your savings goals.

Understanding Chase CD Options:

Chase offers a variety of CD products to cater to different needs. Here’s a breakdown:

  • Standard CDs: These traditional CDs come in various terms (typically 3 months to 5 years) with fixed interest rates.
  • Relationship CDs: If you have a qualifying Chase checking account linked to your CD, you may be eligible for higher “relationship rates.”
  • Jumbo CDs: For deposits of $100,000 or more, Chase offers Jumbo CDs with potentially even higher rates.

Factors Affecting Chase CD Rates

  • Federal Reserve Interest Rates: The Federal Reserve’s monetary policy decisions can influence bank-offered CD rates.
  • CD Term Length: Generally, longer terms come with higher rates as banks can invest your money for a longer duration.
  • Market Competition: Chase’s CD rates are also influenced by the rates offered by other banks.

Choosing the Right Chase CD

  • Term Length: Consider your financial goals. Shorter terms offer quicker access but lower rates. Conversely, longer terms lock in higher rates but limit access.
  • Interest Rate: Compare rates across different terms and account types. Remember, relationship rates can significantly boost your earnings.
  • Minimum Deposit: Ensure you meet the minimum deposit requirement for your chosen CD.

Using the Chase CD Calculator

Chase offers a convenient CD calculator tool on their website. This tool allows you to estimate your potential earnings based on your investment amount, chosen term length, and applicable interest rate. Utilize this tool to determine the best CD option for your financial goals.

Chase CDs vs. Savings Accounts

While both CDs and savings accounts offer places to save your money, they cater to different needs. Here’s a quick comparison:

  • Liquidity: CDs lock your money for the chosen term. Early withdrawal typically incurs a penalty. Savings accounts offer more flexibility for easy access to your funds.
  • Interest Rates: Generally, CDs offer higher interest rates than savings accounts.
  • Goals: CDs are ideal for designated savings goals with a defined time horizon. Savings accounts are suitable for emergency funds or readily accessible cash.


What is the minimum deposit for a Chase CD?

The minimum deposit for a Chase CD can vary depending on the CD type. Generally, traditional CDs may require a lower minimum deposit compared to Jumbo CDs.

Can I withdraw money early from my Chase CD?

Early withdrawal from a Chase CD typically incurs a penalty, which may negate some of your earned interest.

How do I open a Chase CD?

You can open a Chase CD online, through the Chase mobile app, or by visiting a Chase branch.

Are Chase CDs a good investment?

Chase CDs can be a good investment for those seeking safe, guaranteed returns on their savings. However, they may not keep pace with inflation or offer the high returns of riskier investments.


Chase CDs provide a reliable and secure way to grow your savings. By understanding Chase’s CD rates, terms, and benefits, you can determine if they align with your financial goals. Consider consulting a financial advisor for personalized guidance on incorporating Chase CDs into your overall savings strategy.