Chase: CD Rates & Fixed Deposits (2026)

Overall composite rating across rates, fees, service, digital banking, and rewards.

Standard CD rates at Chase are among the lowest in the market, often hovering near nominal minimums. While relationship rates offer a modest boost for existing account holders, yields consistently trail top high-yield competitors.

The standard minimum deposit of $1,000 creates a moderate barrier to entry for smaller savers. Early withdrawal penalties are standard for brick-and-mortar banks but can substantially erode earned interest on shorter-term certificates.

Chase offers superior support through its extensive nationwide branch network alongside reliable 24/7 phone assistance. Depositors benefit from personalized access to bankers for CD maturity and rollover consultations.

The Chase mobile app is an industry-leading platform that makes opening, tracking, and managing fixed deposits seamless. Users benefit from robust security protocols, maturity alerts, and intuitive self-service renewal settings.

CDs offer limited standalone perks, though linking them can help meet balance thresholds to waive fees on premium checking tiers. The primary reward is relationship pricing, though the resulting rate hike remains relatively modest.