Chase CD Rates · October 2026

How Chase’s CD rates compare

Compared with banks and credit unions near New York, NY-NJ, where Chase has the most branches. $10,000, best rate first.

This bank’s best
Chase
3.30%APY
Term
8 months
Requires
Another account
Minimum
$1,000
Earns on $10,000
$219
Certificate of Deposit
Top rate
Liberty Bank of New Jersey
5.00%APY
Term
4 months
Requires
None
Minimum
$1,000
Earns on $10,000
$164
Liberty Bank of New Jersey rates
2nd-highest rate
Palisades Credit Union
5.00%APY
Term
11 months
Requires
None
Minimum
$500
Earns on $10,000
$457
Palisades Credit Union rates

Compare CD rates near you →

CD score

Higher than 1% of U.S. banks and credit unions

By term

3–8 months3–8 mo0.01%
9–15 months9–15 mo0.01%
16–30 months16–30 mo0.01%
31–60 months31–60 mo0.01%
QualifiedQualified3.30%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Chase ranks

By CD score, in each area where it has branches

And 383 more areas →

Every rate

Current CD rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

Certificate of Deposit

Up to 3.30%APY · 25 termsRequirements applyFrom $1,000 to open

Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.

Earnings on $10,000 over the term.
Term	APY · Up to $9,999	APY · Any balance	APY · $10,000 – $99,999	APY · $100,000 and up	APY	Earns on $10,000Earns
1 monthRequires linked qualifying Chase checking account	0.02%	—	0.02%	0.02%	0.02%0.02% to $10k0.02% from $100k	$0
1 monthStandard rate	—	0.01%	—	—	0.01%	$0
2 monthsRequires linked qualifying Chase checking account	0.50%	—	0.50%	0.50%	0.50%0.50% to $10k0.50% from $100k	$8
2 monthsStandard rate	—	0.01%	—	—	0.01%	$0
3 monthsRequires linked qualifying Chase checking account	0.50%	—	0.50%	0.50%	0.50%0.50% to $10k0.50% from $100k	$12
3 monthsStandard rate	—	0.01%	—	—	0.01%	$0
4 monthsRequires linked qualifying Chase checking account	1.75%	—	1.75%	1.75%	1.75%1.75% to $10k1.75% from $100k	$58
4 monthsStandard rate	—	0.01%	—	—	0.01%	$0
5 monthsRequires linked qualifying Chase checking account	0.50%	—	0.50%	0.50%	0.50%0.50% to $10k0.50% from $100k	$21
5 monthsStandard rate	—	0.01%	—	—	0.01%	$0
6 monthsRequires linked qualifying Chase checking account	2.25%	—	2.25%	2.25%	2.25%2.25% to $10k2.25% from $100k	$112
6 monthsStandard rate	—	0.01%	—	—	0.01%	$0
7 monthsRequires linked qualifying Chase checking account	2.25%	—	2.25%	2.25%	2.25%2.25% to $10k2.25% from $100k	$131
7 monthsStandard rate	—	0.01%	—	—	0.01%	$1
8 monthsRequires linked qualifying Chase checking account	3.30%	—	3.30%	3.80%	3.30%3.30% to $10k3.80% from $100k	$219
8 monthsStandard rate	—	0.01%	—	—	0.01%	$1
9 monthsRequires linked qualifying Chase checking account	0.50%	—	0.50%	0.50%	0.50%0.50% to $10k0.50% from $100k	$37
9 monthsStandard rate	—	0.01%	—	—	0.01%	$1
10 monthsRequires linked qualifying Chase checking account	1.50%	—	1.50%	1.50%	1.50%1.50% to $10k1.50% from $100k	$125
10 monthsStandard rate	—	0.01%	—	—	0.01%	$1
11 monthsRequires linked qualifying Chase checking account	2.50%	—	2.50%	2.50%	2.50%2.50% to $10k2.50% from $100k	$229
11 monthsStandard rate	—	0.01%	—	—	0.01%	$1
12 monthsRequires linked qualifying Chase checking account	0.50%	—	0.50%	0.50%	0.50%0.50% to $10k0.50% from $100k	$50
12 monthsStandard rate	—	0.01%	—	—	0.01%	$1
13 monthsRequires linked qualifying Chase checking account	3.20%	—	3.20%	3.70%	3.20%3.20% to $10k3.70% from $100k	$347
13 monthsStandard rate	—	0.01%	—	—	0.01%	$1
14 monthsRequires linked qualifying Chase checking account	0.50%	—	0.50%	0.50%	0.50%0.50% to $10k0.50% from $100k	$58
14 monthsStandard rate	—	0.01%	—	—	0.01%	$1
15 monthsRequires linked qualifying Chase checking account	2.00%	—	2.00%	2.00%	2.00%2.00% to $10k2.00% from $100k	$251
15 monthsStandard rate	—	0.01%	—	—	0.01%	$1
18 monthsRequires linked qualifying Chase checking account	2.00%	—	2.00%	2.00%	2.00%2.00% to $10k2.00% from $100k	$301
18 monthsStandard rate	—	0.01%	—	—	0.01%	$2
21 monthsRequires linked qualifying Chase checking account	2.00%	—	2.00%	2.00%	2.00%2.00% to $10k2.00% from $100k	$353
21 monthsStandard rate	—	0.01%	—	—	0.01%	$2
24 monthsRequires linked qualifying Chase checking account	2.00%	—	2.00%	2.00%	2.00%2.00% to $10k2.00% from $100k	$404
24 monthsStandard rate	—	0.01%	—	—	0.01%	$2
30 monthsRequires linked qualifying Chase checking account	2.00%	—	2.00%	2.00%	2.00%2.00% to $10k2.00% from $100k	$508
30 monthsStandard rate	—	0.01%	—	—	0.01%	$3
36 monthsRequires linked qualifying Chase checking account	2.00%	—	2.00%	2.00%	2.00%2.00% to $10k2.00% from $100k	$612
36 monthsStandard rate	—	0.01%	—	—	0.01%	$3
42 monthsRequires linked qualifying Chase checking account	2.00%	—	2.00%	2.00%	2.00%2.00% to $10k2.00% from $100k	$718
42 monthsStandard rate	—	0.01%	—	—	0.01%	$4
48 monthsRequires linked qualifying Chase checking account	2.00%	—	2.00%	2.00%	2.00%2.00% to $10k2.00% from $100k	$824
48 monthsStandard rate	—	0.01%	—	—	0.01%	$4
60 monthsRequires linked qualifying Chase checking account	2.00%	—	2.00%	2.00%	2.00%2.00% to $10k2.00% from $100k	$1,041
60 monthsStandard rate	—	0.01%	—	—	0.01%	$5
84 monthsRequires linked qualifying Chase checking account	2.00%	—	2.00%	2.00%	2.00%2.00% to $10k2.00% from $100k	$1,487
84 monthsStandard rate	—	0.01%	—	—	0.01%	$7
120 monthsRequires linked qualifying Chase checking account	2.00%	—	2.00%	2.00%	2.00%2.00% to $10k2.00% from $100k	$2,190
120 monthsStandard rate	—	0.01%	—	—	0.01%	$10

Sources (3)

All captured Oct 16, 2026

CD Ladder

Up to 0.05%APY · 7 termsRequirements applyFrom $1,000 to open

CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.

Earnings on $10,000 over the term.
Term	APY · Up to $9,999	APY · Any balance	APY · $10,000 – $99,999	APY · $100,000 and up	APY	Earns on $10,000Earns
1 month4-month CD ladder relationship rate. Requires linked Chase Private Client Checking account	0.02%	—	0.02%	0.02%	0.02%0.02% to $10k0.02% from $100k	$0
1 month4-month CD ladder standard rate	—	0.01%	—	—	0.01%	$0
2 months4-month CD ladder relationship rate. Requires linked Chase Private Client Checking account	0.02%	—	0.02%	0.02%	0.02%0.02% to $10k0.02% from $100k	$0
2 months4-month CD ladder standard rate	—	0.01%	—	—	0.01%	$0
3 months4-month CD ladder relationship rate. Requires linked Chase Private Client Checking account	0.02%	—	0.02%	0.02%	0.02%0.02% to $10k0.02% from $100k	$0
3 months4-month CD ladder standard rate	—	0.01%	—	—	0.01%	$0
4 months4-month CD ladder relationship rate. Requires linked Chase Private Client Checking account	0.02%	—	0.02%	0.02%	0.02%0.02% to $10k0.02% from $100k	$1
4 months4-month CD ladder standard rate	—	0.01%	—	—	0.01%	$0
6 months12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account	0.02%	—	0.05%	0.05%	0.05%0.02% to $10k0.05% from $100k	$2
6 months12-month CD ladder standard rate	—	0.01%	—	—	0.01%	$0
9 months12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account	0.02%	—	0.05%	0.05%	0.05%0.02% to $10k0.05% from $100k	$4
9 months12-month CD ladder standard rate	—	0.01%	—	—	0.01%	$1
12 months12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account	0.02%	—	0.05%	0.05%	0.05%0.02% to $10k0.05% from $100k	$5
12 months12-month CD ladder standard rate	—	0.01%	—	—	0.01%	$1

Sources (2)

All captured Oct 16, 2026

Closed to new customers

Retirement CD

0.01%APY · 15 termsSeniorsFrom $1,000 to open

Chase no longer offers new Retirement CDs. Rates apply to existing accounts / renewals.

Earnings on $10,000 over the term.
Term	APY · Up to $9,999	APY · Any balance	APY · Any balance	APY · $10,000 – $99,999	APY	Earns on $10,000Earns
Unknown30-day term. Relationship rate requires linked qualifying Chase checking account	0.01%	0.01%	—	0.01%	0.01%0.01% to $10k0.01% any balance	$0
Unknown30-day term. Standard rate	—	—	0.01%	—	0.01%	$0
1 month1-month term (31-59 days). Rate applies to standard and relationship tiers	—	—	0.01%	—	0.01%	$0
2 months2-month term (60-89 days). Rate applies to standard and relationship tiers	—	—	0.01%	—	0.01%	$0
3–5 months3-5 month term (90-179 days). Rate applies to standard and relationship tiers	—	—	0.01%	—	0.01%	$0
6–8 months6-8 month term (180-269 days). Rate applies to standard and relationship tiers	—	—	0.01%	—	0.01%	$0
9–11 months9-11 month term (270-364 days). Rate applies to standard and relationship tiers	—	—	0.01%	—	0.01%	$1
12–14 months12-14 month term (365-454 days). Rate applies to standard and relationship tiers	—	—	0.01%	—	0.01%	$1
15–17 months15-17 month term (455-544 days). Rate applies to standard and relationship tiers	—	—	0.01%	—	0.01%	$1
18–20 months18-20 month term (545-634 days). Rate applies to standard and relationship tiers	—	—	0.01%	—	0.01%	$2
21–23 months21-23 month term (635-729 days). Rate applies to standard and relationship tiers	—	—	0.01%	—	0.01%	$2
24–29 months24-29 month term (730-909 days). Rate applies to standard and relationship tiers	—	—	0.01%	—	0.01%	$2
30–35 months30-35 month term (910-1094 days). Rate applies to standard and relationship tiers	—	—	0.01%	—	0.01%	$3
36–41 months36-41 month term (1095-1274 days). Rate applies to standard and relationship tiers	—	—	0.01%	—	0.01%	$3
42–47 months42-47 month term (1275-1459 days). Rate applies to standard and relationship tiers	—	—	0.01%	—	0.01%	$4
48–120 months48-120 month term (1460-3650 days). Rate applies to standard and relationship tiers	—	—	0.01%	—	0.01%	$4

Sources (1)

chase.com/content/dam/chase-ux/ratesheets/pdfs/rdoh1.pdf · captured Oct 16, 2026

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