Chase CD Pace and Features for 2025
Commitment to Our Reader
GOBankingRates ‘ editorial squad is committed to bring you unbiased reviews and information . We apply data-driven methodologies to assess financial products and services – our review and ratings exist not influenced by advertisers . You can read more about our editorial guidelines and our merchandise and services reexamine methodology .
While Chase leave nationwide arm access and top-tier customer service , its CD rates aren ’ t always as competitive as those of online banks .
If you ’ re considering Chase CD rates for your rescue strategy , hither ’ s what you require to know .
Current Chase CD Pace : July 2025
Chase offers standard rates , as good as relationship pace for its CDs . Standard rate equal significantly lower than relationship rates .
Standard CD Rates
Relationship CD Rates
Pros and Cons of Chase CD Accounts
Like all financial products , Chase CD describe do with their own band of pros and cons that savers should regard before opening an report .
Pros
- Easy access for survive Chase customer
- Wide arm network for in-person service
- Relationship rate available for linked explanation
Cons
- Standard rates be much abject than competitors
- Minimal deposit of $ 1,000
- Requires survive Chase bank account to open a CD online
- Potentially lower returns than early investment like fund or bond
How Much Can You Make With a Chase Bank CD ?
Here ’ s a mere lesson prove calculate earnings with Chase CD rate :
How To Open a Chase Bank CD Account
Open a Chase Bank CD equal mere , and you can select the method that solve good for you :
- Online or mobile :Start an application through Chase ’ s website or mobile app .
- Visit a arm :Speak with a congressman for personalized assistance .
- Predict customer service :Get direction over the phone and finalize detail remotely .
Remember , though , you demand an existing report to open a CD online . Without an existing bank bill , you can get to a physical location and spread a CD with the help of a banker .
How To Qualify
- Must be 18 years old
- Equal a U.S. citizen or lawful permanent resident with a U.S. physical address
- Have a valid Social Security number and a U.S.-based phone act
- Have a minimal sediment of at least $ 1,000
Chase CD Rates vs. Other Banks
How do Chase CD pace compare with early bank ? Here ’ s a side-by-side comparison :
Be a Chase Bank CD Right for You ?
A Chase Bank CD cost not the correct fit for every saver . Hither ’ sec when it makes sense and when you should regard early options .
Ideal For
- Individuals who already hold a relationship with Chase
- Anyone who desire FDIC-insured protection
- Customer who prioritize convenience , a big arm network and in-person service
- Those who qualify for relationship rate
Not Great For
- Individuals who put on ’ t have a Chase account and require to spread a CD online
- People who may need to withdraw early
- Investor appear for high-yield options
Tips for Begin the Well CD Rates
Before you spread a CD , use these point to serve you find the high APY available .
- Believe relationship banking perks :Existing account holder may bask well CD rate . Consider opening a CD where you already hold an story .
- Compare multiple term :Compare multiple bank to get the best APY that works for you .
- Look for promotional or limited-time offers :Banks much put up special rates or promotional offers on their CDs . See online or at your local bank in person for those offers .
Chase CDs : FAQ
- What be the minimal deposit for a Chase Bank CD ?
- Chase call for a $ 1,000 minimum sediment for its CDs .
- Cause I need a Chase Bank history to spread a CD ?
- To spread a Chase CD online , you need an survive account . If you ‘d like to open a Chase CD in someone , you are n’t call for to have an account .
- Can I spread a Chase Bank CD online ?
- Yes , you can spread a Chase CD online , but you need an existing account to do so .
- What happens if I withdraw funds before the term finish ?
- You will face up early withdrawal penalties if you remove funds from your CD account before the term exist complete .
- Are Chase Bank CD pace competitive in 2025 ?
- Chase Bank ‘s standard CD rates are abject , but those who have an existing bank relationship with Chase and own at least $ 100,000 to invest in a CD can make up to4.00 %.
- Chase call for a $ 1,000 minimum deposit for its CDs .
- To spread a Chase CD online , you need an exist story . If you ‘d care to spread a Chase CD in person , you are n’t required to make an history .
- Yes , you can open a Chase CD online , but you need an existing story to act thus .
- You will face up early withdrawal penalty if you withdraw fund from your CD report before the term equal utter .
- Chase Bank ‘s standard CD rates be abject , but those who have an survive bank relationship with Chase and have at least $ 100,000 to invest in a CD can make up to4.00 %.
Caitlyn Moorhead and Dawn Allcot contribute to the reporting for this article .
Rate are subject to convert ; unless otherwise noted , rates are updated periodically . All early information on account is exact as of July 8 , 2025 .
*Capital One interest pace accurate as of 7/22/2025 . Learn website for all current rate .
The information link to Chase explanation be collected by GOBankingRates and get not be reviewed or leave by the issuer of these production . Product point may vary . Please see the issuer ’ s website for current information . GOBankingRates does not receive committee for these products .
Editorial Bill : This message is not render by Chase . Any opinions , analysis , review , ratings or recommendation express in this article cost those of the author alone and have not cost look back , approved or otherwise endorse by Chase .
Our in-house inquiry team and on-site financial experts solve together to make capacity that ’ s accurate , impartial , and up to date . We fact-check every single statistic , quote and fact using entrust chief resources to build sure the information we render cost right . You can see more about GOBankingRates ’ processes and standards in our column policy .
- Federal Reserve “ Large Commercial Banks ”
- FDIC . 2025 “ National Rates and Rate Caps ”
