Chase CD rates 2025

New York-based JP Morgan Chase Bank is the largest bank in the United States as of this writing, with $3.9 trillion in assets and 4,700+ worldwide branches. It offers products such as checking and savings accounts, credit cards, loans, and competitive CDs.

While Chase CD can provide decent returns, there’s a catch: not everyone is eligible for the highest rates. Let’s look at everything you need to know about Chase CDs—and how to qualify for the best returns.

Rates are current as of Aug. 18, 2025, and are subject to change.

Chase Bank CD rates and products

Chase’s standard CD rates are unmemorable. Its biggest returns are exclusively for those who already have a Chase Bank checking account. CD rates can vary based on your location. It also doesn’t offer specialty accounts such as bump-up, flexible, or IRA CDs.

Standard CDs

Anyone can get Chase’s standard CD rates, whether or not you’ve got an established relationship with the bank. You may’ll appreciate the many different term lengths to choose from; a notably wider variety than many of its competitors.

Chase Bank standard CD rates

See the list of Chase’s standard CD terms and the annual percentage yield (APY) below:

*0.01% ladder APY

Chase CD ladder rates apply when a group of four CDs is opened at the same time for the same amount but with different terms, by a customer with a linked Chase Private Client Checking account.

Bank details checked Aug. 18, 2025.

Chase Bank Relationship CD rates

As noted earlier, Chase’s relationship CD rates come with much higher APYs than the bank’s standard rates. You’re eligible for the relationship rate if you have a Chase checking account. While the minimum deposit to open a relationship CD is just $1,000 , some rates are the most generous for deposits of over $100,000.

Chase Bank Relationship CD rates

*0.02% ladder APY

**0.05% ladder APY

Chase CD ladder rates apply when a group of four CDs is opened at the same time for the same amount but with different terms, by a customer with a linked Chase Private Client Checking account.

Bank details checked Aug. 18, 2025.

Chase Bank Business CDs

Chase offers special CDs for business owners. Similar to its relationship rates, the amount you’ll earn depends on the size of your deposit. Rates vary based on your location, but here’s an example Here’s what you can expect.

Bank details checked Aug. 18, 2025.

Compare Chase Bank to competitors

Chase Bank offers decent CD rates, but only if you’ve got a Chase checking account; otherwise, its rates aren’t great. And even many of the relationship rates don’t rise as high as the APY you can find at some other institutions. Here’s how Chase Bank stacks against its competition. 

Chase Bank(standard / relationship <$100,000)	Discover	Northern Bank Direct
4 months	4 months	4 months
0.10% / 3.50%	N/A	N/A
6 months	6 months	6 months
0.10% / 1.00%	3.50%	4.25%
9 months	9 months	9 months
0.10% / 1.00%	3.50%	4.00%
10 months	10 months	10 months
0.10% / 3.00%	N/A	N/A
12 months	12 months	12 months
0.10% / 2.00%	4.00%	3.50%
18 months	18 months	18 months
0.10% / 2.00%	3.80%	3.50%
24 months	24 months	24 months
0.10% / 2.00%	3.60%	3.50%
Learn more	Learn more	Learn more
View offer at MoneyLion	View offer at MoneyLion	View offer at Northern Bank Direct

Bank details checked Aug. 18, 2025.

Learn more about Chase Bank

In addition to CDs, Chase customers have a wide variety of checking and savings accounts to choose from. Chase also issues wildly popular travel and cash back credit cards, personal loans, mortgages, and auto loans.

You can also set up investment accounts, such as individual retirement accounts (IRAs). If you own a business, several business services are available, including checking, savings, credit cards, and lending solutions.

Read our detailed Chase Bank review for more details about its valuable features.

Frequently asked questions