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Personal FinanceCertificates of Deposit (CDs)

Chase CD rates February 2026

Joseph Hostetler
By
Joseph Hostetler
Joseph Hostetler
Staff Writer, Personal Finance
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Joseph Hostetler
By
Joseph Hostetler
Joseph Hostetler
Staff Writer, Personal Finance
Down Arrow Button Icon
February 18, 2026, 10:34 AM ET
The Chase logo on a green layered background.
Illustration by Fortune; original logo from Chase

If your excess funds are sitting in a savings account with little-to-no APY, you’re leaving money on the table. Opening one of the best certificates of deposit (CDs) is an easy and low-risk way to put your money to work.

Several Chase CDs offer highly competitive return rates. But while Chase can provide decent returns, there’s a catch: Not everyone is eligible for the highest rates. Let’s take a close look at what you should know about Chase CD rates and how to qualify for the best returns. 

Current top personal Chase CDs

Term lengthRelationship APY
($0-$99,999 deposit)		Relationship APY
($100,000+ deposit)
3 months3.50%*4.00%*
11 months2.50%*3.00%
15 months2.00%2.00%
18 months2.00%2.00%
120 months2.00%2.00%
3 months
Relationship APY
($0-$99,999 deposit)		3.50%*
Relationship APY
($100,000+ deposit)		4.00%*
11 months
Relationship APY
($0-$99,999 deposit)		2.50%*
Relationship APY
($100,000+ deposit)		3.00%
15 months
Relationship APY
($0-$99,999 deposit)		2.00%
Relationship APY
($100,000+ deposit)		2.00%
18 months
Relationship APY
($0-$99,999 deposit)		2.00%
Relationship APY
($100,000+ deposit)		2.00%
120 months
Relationship APY
($0-$99,999 deposit)		2.00%
Relationship APY
($100,000+ deposit)		2.00%

Rates are current as of Feb. 17, 2026, and are subject to change.

Chase Bank CD rates and products

Chase doesn’t offer specialty accounts such as bump-up, flexible, or IRA CDs. Its options are simply personal and business accounts. You may appreciate the many different term lengths to choose from; a notably wider variety than many of its competitors.

Chase CD rates may vary depending on your location. For the below examples, we’ve used New York zip code 10001.

Personal CDs

There are two types of Chase personal CD rates: standard and relationship. 

Standard CD rates are unmemorable. Its biggest returns are exclusively for those who already have a relationship with Chase, namely, a qualifying linked Chase checking account. In many cases, you’ll earn the highest APY with deposits of over $100,000

Chase Bank standard CD features

Minimum opening deposit$1,000
Early withdrawal penalty (terms less than 6 months)90 days of interest on the amount withdrawn
Early withdrawal penalty (terms 6 months to less than 24 months)180 days of interest on the amount withdrawn
Early withdrawal penalty (terms 24 months or more)365 days of interest on the amount withdrawn

Chase Bank Relationship CD rates

Term lengthRegular APYAPY($0-$99,999 deposit)APY($100,000+ deposit)
1 month0.01%*0.02%*0.02%*
2 months0.01%*0.75%*0.75%*
3 months0.01%*3.50%*4.00%*
4 months0.01%*0.50%*0.50%*
5 months0.01%1.50%1.50%
6 months0.01%*0.50%*0.50%**
7 months0.01%0.50%*0.50%
8 months0.01%0.50%*0.50%
9 months0.01%*0.50%*0.50%**
10 months0.01%1.50%*1.50%
11 months0.01%2.50%*3.00%
12 months0.01%*1.50%*1.50%**
13 months0.01%1.50%1.50%
14 months0.01%1.50%1.50%
15 months0.01%2.00%2.00%
18, 21 months0.01%2.00%2.00%
24, 30 months0.01%2.00%2.00%
36, 42 months0.01%2.00%2.00%
48, 60, 84, 120 months0.01%2.00%2.00%
1 month
Regular APY0.01%*
APY($0-$99,999 deposit)0.02%*
APY($100,000+ deposit)0.02%*
2 months
Regular APY0.01%*
APY($0-$99,999 deposit)0.75%*
APY($100,000+ deposit)0.75%*
3 months
Regular APY0.01%*
APY($0-$99,999 deposit)3.50%*
APY($100,000+ deposit)4.00%*
4 months
Regular APY0.01%*
APY($0-$99,999 deposit)0.50%*
APY($100,000+ deposit)0.50%*
5 months
Regular APY0.01%
APY($0-$99,999 deposit)1.50%
APY($100,000+ deposit)1.50%
6 months
Regular APY0.01%*
APY($0-$99,999 deposit)0.50%*
APY($100,000+ deposit)0.50%**
7 months
Regular APY0.01%
APY($0-$99,999 deposit)0.50%*
APY($100,000+ deposit)0.50%
8 months
Regular APY0.01%
APY($0-$99,999 deposit)0.50%*
APY($100,000+ deposit)0.50%
9 months
Regular APY0.01%*
APY($0-$99,999 deposit)0.50%*
APY($100,000+ deposit)0.50%**
10 months
Regular APY0.01%
APY($0-$99,999 deposit)1.50%*
APY($100,000+ deposit)1.50%
11 months
Regular APY0.01%
APY($0-$99,999 deposit)2.50%*
APY($100,000+ deposit)3.00%
12 months
Regular APY0.01%*
APY($0-$99,999 deposit)1.50%*
APY($100,000+ deposit)1.50%**
13 months
Regular APY0.01%
APY($0-$99,999 deposit)1.50%
APY($100,000+ deposit)1.50%
14 months
Regular APY0.01%
APY($0-$99,999 deposit)1.50%
APY($100,000+ deposit)1.50%
15 months
Regular APY0.01%
APY($0-$99,999 deposit)2.00%
APY($100,000+ deposit)2.00%
18, 21 months
Regular APY0.01%
APY($0-$99,999 deposit)2.00%
APY($100,000+ deposit)2.00%
24, 30 months
Regular APY0.01%
APY($0-$99,999 deposit)2.00%
APY($100,000+ deposit)2.00%
36, 42 months
Regular APY0.01%
APY($0-$99,999 deposit)2.00%
APY($100,000+ deposit)2.00%
48, 60, 84, 120 months
Regular APY0.01%
APY($0-$99,999 deposit)2.00%
APY($100,000+ deposit)2.00%

*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 Feb. 18, 2026.

Compare the CD rates and terms available from other top institutions

Read our roundups of all available CD rates from Bank of America and Capital One.

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.

Chase Bank Business CD features

Minimum opening deposit$1,000
Early withdrawal penalty (terms less than 12 months)$25 plus 1% of the amount withdrawn
Early withdrawal penalty (terms 12 months or more)$25 plus 3% of the amount withdrawn
CD Term$0 – $9,999.99$10K – $24,999.99$25K – $49,999.99$50K – $99,999.99$100K-$249,999.99$250K+
1-Month0.02%0.02%0.02%0.02%0.02%0.02%
2-Month0.75%0.75%0.75%0.75%0.75%0.75%
3-Month3.50%3.50%3.50%3.50%4.00%4.00%
4-Month0.50%0.50%0.50%0.50%0.50%0.50%
5-Month1.50%1.50%1.50%1.50%1.50%1.50%
6-Month0.50%0.50%0.50%0.50%0.50%0.50%
7-Month0.50%0.50%0.50%0.50%0.50%0.50%
8-Month0.50%0.50%0.50%0.50%0.50%0.50%
9-Month0.50%0.50%0.50%0.50%0.50%0.50%
10-Month1.50%1.50%1.50%1.50%1.50%1.50%
11-Month2.50%2.50%2.50%2.50%3.00%3.00%
12-Month1.50%1.50%1.50%1.50%1.50%1.50%
13-Month1.50%1.50%1.50%1.50%1.50%1.50%
14-Month1.50%1.50%1.50%1.50%1.50%1.50%
15+ Months2.00%2.00%2.00%2.00%2.00%2.00%
1-Month
$0 – $9,999.990.02%
$10K – $24,999.990.02%
$25K – $49,999.990.02%
$50K – $99,999.990.02%
$100K-$249,999.990.02%
$250K+0.02%
2-Month
$0 – $9,999.990.75%
$10K – $24,999.990.75%
$25K – $49,999.990.75%
$50K – $99,999.990.75%
$100K-$249,999.990.75%
$250K+0.75%
3-Month
$0 – $9,999.993.50%
$10K – $24,999.993.50%
$25K – $49,999.993.50%
$50K – $99,999.993.50%
$100K-$249,999.994.00%
$250K+4.00%
4-Month
$0 – $9,999.990.50%
$10K – $24,999.990.50%
$25K – $49,999.990.50%
$50K – $99,999.990.50%
$100K-$249,999.990.50%
$250K+0.50%
5-Month
$0 – $9,999.991.50%
$10K – $24,999.991.50%
$25K – $49,999.991.50%
$50K – $99,999.991.50%
$100K-$249,999.991.50%
$250K+1.50%
6-Month
$0 – $9,999.990.50%
$10K – $24,999.990.50%
$25K – $49,999.990.50%
$50K – $99,999.990.50%
$100K-$249,999.990.50%
$250K+0.50%
7-Month
$0 – $9,999.990.50%
$10K – $24,999.990.50%
$25K – $49,999.990.50%
$50K – $99,999.990.50%
$100K-$249,999.990.50%
$250K+0.50%
8-Month
$0 – $9,999.990.50%
$10K – $24,999.990.50%
$25K – $49,999.990.50%
$50K – $99,999.990.50%
$100K-$249,999.990.50%
$250K+0.50%
9-Month
$0 – $9,999.990.50%
$10K – $24,999.990.50%
$25K – $49,999.990.50%
$50K – $99,999.990.50%
$100K-$249,999.990.50%
$250K+0.50%
10-Month
$0 – $9,999.991.50%
$10K – $24,999.991.50%
$25K – $49,999.991.50%
$50K – $99,999.991.50%
$100K-$249,999.991.50%
$250K+1.50%
11-Month
$0 – $9,999.992.50%
$10K – $24,999.992.50%
$25K – $49,999.992.50%
$50K – $99,999.992.50%
$100K-$249,999.993.00%
$250K+3.00%
12-Month
$0 – $9,999.991.50%
$10K – $24,999.991.50%
$25K – $49,999.991.50%
$50K – $99,999.991.50%
$100K-$249,999.991.50%
$250K+1.50%
13-Month
$0 – $9,999.991.50%
$10K – $24,999.991.50%
$25K – $49,999.991.50%
$50K – $99,999.991.50%
$100K-$249,999.991.50%
$250K+1.50%
14-Month
$0 – $9,999.991.50%
$10K – $24,999.991.50%
$25K – $49,999.991.50%
$50K – $99,999.991.50%
$100K-$249,999.991.50%
$250K+1.50%
15+ Months
$0 – $9,999.992.00%
$10K – $24,999.992.00%
$25K – $49,999.992.00%
$50K – $99,999.992.00%
$100K-$249,999.992.00%
$250K+2.00%

Bank details checked Feb. 18, 2026.

When does opening a Chase CD make sense?

A Chase CD makes the most sense for those who:

  • Already bank with Chase: Its relationship APY is the only rate competitive with other financial institutions.
  • Can contribute $100,000 or more to a CD: Chase will reward you with an improved return rate in many cases—some of which go toe-to-toe with the best in the industry.
  • Want to create an elaborate CD ladder: Chase has many CD term lengths to choose from. With a judicious selection of terms, it can be a great destination for a CD ladder.
  • Want to lock in a competitive rate for many years: APY can change dramatically overnight. Those who want to secure a reasonable return for many years to come without worrying about the volatility of market rates may love Chase’s longest term lengths, up to 120 months, which typically offer fair (though not spectacular) APY.

In short, if you’ve got a Chase checking account and would prefer to keep all your deposits under one roof, Chase makes sense.

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)
<a href="https://fortune.com/company/bank-of-america-corp/" target="_blank">Bank of America</a> logo

Bank of America 

Capital One
4 months4 months4 months
0.01% / 0.50%3.00%N/A
6 months6 months6 months
0.01% / 0.50%0.03%3.70%
9 months9 months9 months
0.01% / 0.50%0.03%3.70%
10 months10 months10 months
0.01% / 1.50%0.03%N/A
12 months12 months12 months
0.01% / 1.50%0.03%3.75%
18 months18 months18 months
0.01% / 2.00%0.03%3.60%
24 months24 months24 months
0.01% / 2.00%0.03%3.50%
Learn moreLearn moreLearn more
View offer
at MoneyLion		View offer
at MoneyLion		View offer
at Bankrate

Bank details checked Feb. 18, 2026.

Fortune 500

Chase is currently ranked as the #11 spot on the 2025 version of the Fortune 500 list.

Frequently asked questions

Can I open a Chase CD online without being a customer?

No, you cannot open a Chase CD online without being a customer. You’ll have to schedule an appointment with a banker. Again, the best rates are reserved for those who have an eligible Chase checking account. If you plan to open a Chase CD, you’ll do well to open a Chase checking account beforehand.

Are there no‑penalty or specialty CDs at Chase?

No, Chase does not offer no-penalty CDs—or any specialty CDs, for that matter. You’ll find standard personal and business CDs.

Are Chase CD rates good right now compared to national averages?

Most Chase Bank CD rates are middle-of-the-road for most customers—though it does have a couple of stunners. To get Chase’s best rates, you’ll need to have a relationship with Chase and deposit at least $100,000.

Are there any fees associated with Chase CDs?

There are no fees associated with Chase CDs unless you withdraw your money before it has matured. In that case, you’ll pay between 90 and 365 days of interest (depending on the term length of your CD).

Are Chase CD rates FDIC insured?

Yes, Chase CDs are FDIC insured up to $250,000 per account holder.

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About the Author
Joseph Hostetler
By Joseph HostetlerStaff Writer, Personal Finance

Joseph is a staff writer on Fortune's personal finance team. He's covered personal finance since 2016, previously serving as a reporter and editor at sites like Business Insider and The Points Guy. He has also contributed to major outlets such as AP News, CNN, Newsweek, and many more.

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