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Chase CD rates and review

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A big-name bank offering a range of terms, but you can find higher rates elsewhere.

Tuck your money away with a Chase CD for terms that range from one month to 10 years. Earning compound daily interest sweetens the deal. But with APYs only as high as 2.00%, you might find a better rate elsewhere.

An Overview:
  • Daily compounded interest.
  • Chase customer rewards.
  • Low APY.
  • Long and short terms available.


1-year APY


3-year APY


Minimum deposit to open$1,000
Interest compoundingMonthly
3-month APY0.01%
6-month APY0.01%
9-month APY0.01%
1-year APY0.01%
15-month APY0.01%
18-month APY0.05%
2-year APY0.3%
3-year APY0.3%
4-year APY0.3%
7-year APY0.3%
10-year APY0.3%
Early withdrawal penalty1% for terms of 1 to 24 months
2% for terms of 25 + months

Expert review

Sarah George

Review by

Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for over three years after graduating with an English Education degree. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

Chase CDs are ideal if you’re after flexibility. They come with a variety of terms and the option to withdraw interest at any time.

But you may end up sacrificing when it comes to interest rates. Depending on your term, you’ll earn up to 0.7%. You’ll find higher CD rates from other institutions.

What benefits can I get from a Chase CD?

In addition to its online customer support and variety of terms, there are several benefits from opening a Chase CD account:

  • Interest compounded daily. Through the magic of compound interest, your money will earn its own money every day.
  • Automatic renewal. Choose Chase’s automatically renewable CD upfront to keep on saving. Or contact customer service about rolling over your single maturity CD during the 10-day grace period after its term ends.
  • Chase relationship rates. Earn a slightly higher APY when you link a Chase personal checking account.
  • Interest withdrawals. Withdraw interest earned at any time before the term is up — though you’ll be on the hook for fees.

What should I watch out for?

No account is perfect. Watch out for these potential drawbacks with your Chase CD:

  • Low APY. These CDs feature some of the lowest rates in the US. The longest terms earn only 0.75% to 1.75% APY.
  • Apply online only as a Chase customer. Only Chase checking or savings account holders can apply for CDs online.
  • Early withdrawal penalty. You’ll pay 1% of the amount withdrawn on CDs of 24 months or less. Longer terms have a 2% withdrawal fee. However, the fee won’t go above the total interest.

If you prefer a higher yield CD, you’ll want to keep looking. As always, compare your options when choosing a CD.

Compare with other CDs

Name Product 1-year APY 18-month APY 2-year APY 3-year APY 5-year APY
CIT Bank Term CDs
Radius Bank CDs
Radius Bank CDs
Discover CDs
Barclays Online CDs
Ally High Yield CDs
2.05% on CDs of $25,000+

2% on CDs of $5,000 to $24,999

1.9% on CDs of $0 to $4,999
2.1% on CDs of $25,000+

2.05% on CDs of $5,000 to $24,999

1.95% on CDs of $0 to $4,999

Compare up to 4 providers

How do I open a Chase CD?

There are a few ways you can open this account:

  • Online. To apply online, you’ll first need a Chase checking or savings account. Then:
    1. From the Certificate of Deposits page, click Open an account.
    2. Enter your ZIP code and choose to fill out a new application. Click Next.
    3. Log into your Chase online banking, fill out your personal information, fund your opening deposit and confirm the details.
  • In person. Talk to a Chase representative at your nearest location. If you’re depositing more than $100,000, you’ll have to visit a branch to open the CD.
  • By phone. Chat with a representative at 800-935-9935.
  • By mail. Prefer physical mail? Send in your request to open an account to:
    JPMorgan Chase Bank, N.A.
    PO Box 659754
    San Antonio, TX 78265-9754


To open a Chase CD, you’ll need to:

  • Be a US citizen.
  • Have a US driver’s license or state-issued ID.
  • Have a minimum of $1,000 to open your account.

Required information

When applying, keep these items on-hand to make the process that much easier:

  • Social Security number.
  • Valid US driver’s license or ID.
  • Personal contact information.
  • Account information to fund CD.

Funding options

Put money into your CD savings account by:

  • Cash or check. Hand your cash or check over in person at one of Chase’s many physical locations.
  • Outside bank transfer. Transfer funds from another bank account.
  • Chase checking or savings accounts. Make a transfer from existing Chase bank accounts online.

How do I cash in a CD?

After your CD’s term has ended, you can receive your money by requesting a check or by transferring the money online, either into a Chase account or another bank through ACH.

If you chose an automatically renewable CD, the entire amount gets rolled into another CD for a new term. You can change the new term or make a deposit during the 10-day grace period after the previous term ends. Single maturity CDs simply stop earning interest.

How can I get in touch with customer service?

Chase has a variety of customer service options:

  • Phone. Call customer service 24/7 at 800-935-9935.
  • Branch locations. Talk to customer support at one of over 5,000 Chase locations in the US.
  • Online. Chase has a comprehensive list of articles on its Contact web page, including FAQs.
  • Email. Sign in to Chase online banking and send customer service a secure message.
  • Social media. Connect with the bank on all major media, including Twitter, Instagram, Facebook and LinkedIn.

What other savings products does Chase offer?

Chase also offers a few other checking accounts:

  • Chase Savings. This very basic savings account earns just 0.01% interest, but it comes with a $150 signup bonus if you deposit $10,000 or more.
  • Chase Premier Savings. The interest rate goes up a little for this account, but it still pales in comparison with other savings rates and charges $25 a month unless your balance is above $25,000.

Frequently asked questions

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