Chase CD Rates (2026): Up to 4.00% APY
Chase CDs make sense mainly for people who already have Chase checking and want one of its two featured terms. The rates Chase advertises are relationship rates that need a linked Chase checking account; without one, every CD term pays 0.01% APY. With checking, the 8-month CD paid 3.50% APY (4.00% on $100,000 or more) on the rate sheet in effect October 16, 2026, for new CDs and fixed once opened, while the 12-month paid 0.50%.
By Wealthy Pot Editorial · Facts checked October 21, 2026
Facts checked October 21, 2026 against Chase's own CD rate page and deposit agreement (4 sources, listed below). We re-check prices about once a month. We do not earn a commission from Chase.
Chase at a glance
| Featured CD rates (APY, with linked Chase checking) | 8 months 3.50% under $100,000 and 4.00% on $100,000 or more; 13 months 3.20% and 3.70%; rate sheet in effect October 16, 2026 (ZIP 10001); for new CDs, fixed once opened [1] |
|---|---|
| Other terms (APY, with linked checking) | 1 month 0.02%; 2, 3, 5, 9, 12 and 14 months 0.50%; 4 months 1.75%; 6 and 7 months 2.25%; 10 months 1.50%; 11 months 2.50%; 15 months to 10 years 2.00% [1] |
| Without linked checking (standard rate) | 0.01% APY at every term and balance [1] |
| Who gets relationship rates | Customers with a linked Chase personal checking account, including Total Checking, Secure Checking, College Checking, Premier Plus, Sapphire and Private Client Checking [1] |
| Rates by location | Rates may vary by market; on the Texas, Illinois, Arizona and Ohio rate sheets we read, the 8-month CD was 3.30% (3.80% on $100,000+), other terms the same [2] |
| Minimum deposit | $1,000 to open [1] |
| Early withdrawal penalty | Terms under 6 months: 90 days of interest; 6 to under 24 months: 180 days; 24 months or more: 365 days; on the amount withdrawn, capped at the interest earned in the current term [3] |
| Interest | Compounded daily; paid at maturity, or annually on terms over 12 months, unless you choose monthly, quarterly or semiannual payments [1] |
| At maturity | Renews for the same term at the standard rate unless you qualify for the relationship rate; 10-day grace period to withdraw or change [3] |
| No-penalty or retirement CDs | No no-penalty CD on the rate sheet; Chase does not offer new Retirement CDs [1] |
| FDIC-insured bank | JPMorgan Chase Bank, N.A. [1] |
Chase in official federal data
Rate compared with the national average
Chase's 1-year CD APY of 0.50% (as of October 21, 2026) is about 0.3 times the FDIC's national average for 12-month CDs, 1.76% (as of October 19, 2026). On $10,000 kept for a year, that is about $50 in interest against $176 at the national average, before tax; a CD locks its rate for the term, while the national average is for CDs opened that month.
Who holds your money
- Deposits are held by JPMorgan Chase Bank, National Association, FDIC certificate #628, based in Columbus, OH, established January 1, 1824 according to the FDIC. Chase is the consumer brand of JPMorgan Chase Bank, N.A.; CFPB files complaints under the parent, JPMorgan Chase & Co.
- FDIC insurance covers up to $250,000 per depositor, per insured bank, for each account ownership category. Money held at the same bank under another brand name counts toward the same limit.
- Size: $2820 billion in deposits and $4091 billion in total assets (June 30, 2026 call report). Primary federal regulator: Office of the Comptroller of the Currency.
Customer complaints filed with the CFPB
From October 2025 through September 2026, consumers sent the Consumer Financial Protection Bureau 9,620 complaints about checking or savings accounts at JPMORGAN CHASE & CO., about 3.41 per $1 billion of deposits; the company responded on time to 100%. Complaint counts grow with the number of customers and cover the whole company, including checking accounts, and the CFPB does not verify each complaint, so treat them as a rough signal. Read the complaints.
Sources: FDIC BankFind (certificate, deposits and assets), FDIC national deposit rates (October 19, 2026), CFPB Consumer Complaint Database (product "Checking or savings account"). Updated monthly.
How Chase works
Chase sets a rate for each term and balance tier, and publishes it on a rate sheet for your ZIP code. Most of the ladder is low: in October 2026 the 12-month CD paid 0.50% APY, below the FDIC national average shown in the federal-data block on this page, and every term from 15 months to 10 years paid 2.00%, well under the online banks we track. The two featured terms, 8 and 13 months, are the exception, and the top tier starts at $100,000. All of these rates need a linked Chase checking account; without one, Chase pays 0.01% APY on any CD.
Watch the renewal. When an automatically renewable CD matures, Chase renews it for the same term, and the account agreement says it then earns the standard rate unless you qualify for the relationship rate. A featured 8-month CD also renews into whatever the 8-month rate is at that point, which may no longer be a featured rate. You have 10 days after maturity to withdraw or pick another term without a penalty, so set a reminder. For a rate that holds longer, online banks and a CD ladder are usually better.
A hypothetical early withdrawal: you put $10,000 in the 8-month CD (interest rate 3.44%, 3.50% APY) and close it after about 4 months, or 122 days. The term is between 6 and 24 months, so the penalty is 180 days of interest: $10,000 x 3.44% x 180 / 365 = about $169.64. Interest earned by then is about $10,000 x 3.44% x 122 / 365 = $114.98 (simple interest, ignoring daily compounding). Because the penalty cannot exceed the interest earned in the current term, you would give back that $114.98 and keep your $10,000. Try other terms in the CD calculator.
Pros
- 8-month CD at 3.50% (4.00% on $100,000+) with linked checking
- Branches and your checking at the same bank
- Penalty on terms of 6 to under 24 months is 180 days of interest, capped at interest earned
- Penalty waived on death or disability of an owner
Cons
- Every term pays 0.01% without linked Chase checking
- The 12-month CD paid 0.50% and 15 months to 10 years paid 2.00%
- Renewals earn the standard rate unless you qualify for the relationship rate
- $1,000 minimum; no no-penalty CD and no new Retirement CDs
Who Chase fits, and who should skip it
A good fit if
- You already have Chase checking and want an 8- or 13-month CD at your own bank.
- You have $100,000 or more and want the top featured tier.
- You want to open or manage a CD at a branch.
Look elsewhere if
- You don't have Chase checking: Capital One has branches, no minimum and no checking requirement.
- You want a 1- to 5-year rate: Marcus pays 4.40% from 12 months to 6 years.
- You want no minimum and a long term: Barclays pays 4.75% on 24 and 60 months.
Limitations to know
- Relationship rates require a linked Chase personal checking account; the standard rate is 0.01% APY. [1]
- Rates and tiers are set by ZIP code and may vary by market. [2]
- A CD ladder (four CDs opened together) requires a linked Chase Private Client Checking account. [1]
- Withdrawing interest before maturity reduces the APY; the penalty is deducted from principal. [1]
- A withdrawal within 7 days of opening or of a prior withdrawal costs at least 7 days of interest, and penalty waivers do not apply then. [3]
Chase compared with alternatives
| Bank | 6-month | 1-year | 3-year | 5-year | Minimum |
|---|---|---|---|---|---|
| Chase | 2.25% | 0.50% | 2.00% | 2.00% | $1,000 |
| Capital One | 3.30% | 4.00% | 3.50% | 3.60% | $0 |
| Marcus by Goldman Sachs | 3.95% | 4.40% | 4.40% | 4.40% | $500 |
| Barclays | 4.00% | 4.50% | 4.50% | 4.75% | $0 |
| Ally Bank | 3.85% | 4.30% | 4.10% | 4.25% | $0 |
- Pick Capital One if you want a big bank with branches, no minimum and no checking requirement.
- Pick Marcus by Goldman Sachs if you want 4.40% from 1 to 6 years and a no-penalty CD.
- Pick Barclays if you want 4.75% on a 2- or 5-year CD with no minimum.
- Pick Ally Bank if you want an online bank with checking, no minimum and a no-penalty CD.
Security and privacy
- CDs are deposits of JPMorgan Chase Bank, N.A., Member FDIC. FDIC insurance covers $250,000 per depositor, per bank, per ownership category, so Chase checking, savings and CDs in the same ownership category count together. [1]
- Early withdrawal penalties are waived on the death of a CD owner, the disability of an owner, or a court finding that an owner is incompetent, unless within 7 days of opening. [3]
- Moving a CD into a living trust without moving the money out of the bank, and with no change in term or rate, is also penalty-free. [3]
Recent changes
| Date | What changed |
|---|---|
| Oct 16, 2026 | Rate sheet in effect: 8-month featured CD 3.50% APY (4.00% on $100,000+), 13-month 3.20% (3.70%). Chase lists earlier sheets dated September 25, October 2 and October 9, 2026. [4] |
| Jun 14, 2026 | Current Deposit Account Agreement took effect, with the penalty schedule of 90, 180 and 365 days of interest. [4] |
Chase FAQ
What are Chase CD rates today?
On the rate sheet in effect October 16, 2026 (ZIP 10001), with a linked Chase checking account: 3.50% APY for 8 months (4.00% on $100,000+), 3.20% for 13 months (3.70%), 2.25% for 6 and 7 months, 0.50% for 12 months and 2.00% for 15 months to 10 years. Without linked checking, every term paid 0.01%. Rates vary by market; compare on our <a href="/cd-rates/">CD rates page</a>.
Do I need a Chase checking account to get the advertised CD rate?
Yes. The rates Chase features are relationship rates for customers with a linked Chase personal checking account, such as Total Checking. The standard rate without one was 0.01% APY.
What is the minimum deposit for a Chase CD?
$1,000 to open. The top featured tier starts at $100,000.
What is the penalty for withdrawing a Chase CD early?
90 days of interest on terms under 6 months, 180 days on terms of 6 to under 24 months and 365 days on terms of 24 months or more, on the amount withdrawn and capped at the interest earned in the current term. Withdrawals within 7 days of opening cost at least 7 days of interest.
Is Chase FDIC insured?
Yes. Chase CDs are deposits of JPMorgan Chase Bank, N.A., Member FDIC, insured up to $250,000 per depositor, per bank, per ownership category.
How we researched this review
We did not get paid for this page. On October 21, 2026 we read Chase's own CD rate page, deposit account agreement and disclosures, quoted each fact and link every one below. FDIC and CFPB figures come straight from the agencies' public data. Penalty examples are our arithmetic on the bank's stated formula. CD rates for new accounts change often; we re-check them about once a month.
Sources
- Chase, Consumer Deposit Rates rate sheet (rates in effect October 16, 2026, ZIP 10001), checked October 21, 2026.
- Chase, Certificates of Deposit page (read October 20, 2026), checked October 21, 2026.
- Chase, Deposit Account Agreement (effective June 14, 2026), section VII on CDs, checked October 21, 2026.
- Chase, Deposit disclosures and interest rates (rate sheets by ZIP code), checked October 21, 2026.
This review is for general information, not financial advice. CD rates for new accounts change often; the rate is fixed only once you open the CD. Confirm the current rate with the bank.