Chase CD Rates (November 2026) & Calculator
Chase pays up to 3.50% APY on an 8-month CD. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.
Chase CD rates (Nov 3, 2026)
Every CD term Chase lists on its website, with what $10,000 earns over the full term. Rates are for New York, NY (ZIP 10001); Chase prices CDs by location, so check yours on its site. These are relationship rates. Relationship rates need a linked Chase checking account.
| Term | Product | Minimum | APY | APY at $100,000+ | $10,000 earns |
|---|---|---|---|---|---|
| 1 month | Certificate of DepositRelationship | $1,000 | 0.02% | – | $0.17 |
| 2 months | Certificate of DepositRelationship | $1,000 | 0.50% | – | $8.32 |
| 3 months | Certificate of DepositRelationship | $1,000 | 0.50% | – | $12.48 |
| 4 months | Certificate of DepositRelationship | $1,000 | 1.75% | – | $58.00 |
| 5 months | Certificate of DepositRelationship | $1,000 | 0.50% | – | $20.80 |
| 6 months | Certificate of DepositRelationship | $1,000 | 2.25% | – | $111.87 |
| 7 months | Certificate of DepositRelationship | $1,000 | 2.25% | – | $130.64 |
| 8 months | Certificate of DepositRelationship | $1,000 | 3.50% | 4.00% | $231.99 |
| 9 months | Certificate of DepositRelationship | $1,000 | 0.50% | – | $37.48 |
| 10 months | Certificate of DepositRelationship | $1,000 | 1.50% | – | $124.84 |
| 11 months | Certificate of DepositRelationship | $1,000 | 2.50% | – | $228.93 |
| 1 year | Certificate of DepositRelationship | $1,000 | 0.50% | – | $50.00 |
| 13 months | Certificate of DepositRelationship | $1,000 | 3.20% | 3.70% | $347.12 |
| 14 months | Certificate of DepositRelationship | $1,000 | 0.50% | – | $58.36 |
| 15 months | Certificate of DepositRelationship | $1,000 | 2.00% | – | $250.62 |
| 18 months | Certificate of DepositRelationship | $1,000 | 2.00% | – | $301.50 |
| 21 months | Certificate of DepositRelationship | $1,000 | 2.00% | – | $352.62 |
| 2 years | Certificate of DepositRelationship | $1,000 | 2.00% | – | $404.00 |
| 30 months | Certificate of DepositRelationship | $1,000 | 2.00% | – | $507.52 |
| 3 years | Certificate of DepositRelationship | $1,000 | 2.00% | – | $612.08 |
| 42 months | Certificate of DepositRelationship | $1,000 | 2.00% | – | $717.68 |
| 4 years | Certificate of DepositRelationship | $1,000 | 2.00% | – | $824.32 |
| 5 years | Certificate of DepositRelationship | $1,000 | 2.00% | – | $1,040.81 |
| 7 years | Certificate of DepositRelationship | $1,000 | 2.00% | – | $1,486.86 |
| 10 years | Certificate of DepositRelationship | $1,000 | 2.00% | – | $2,189.94 |
Special is a promotional rate. Relationship needs a linked account at Chase. A dash means the same APY as the opening balance. The highlighted row is Chase's top rate.
Source: Chase CD rates. Rates change often; confirm before you open an account.
Chase vs the national average
The FDIC national average is what banks and credit unions pay on average, weighted by deposits (Oct 19, 2026). The last column is the best rate among the 8 other banks we track for the same term.
| Term | Chase | National avg | Best other bank |
|---|---|---|---|
| 1 month | 0.02% | 0.23% | – |
| 2 months | 0.50% | 0.23% (1 mo) | – |
| 3 months | 0.50% | 1.14% |  Ally 2.90% |
| 4 months | 1.75% | 1.14% (3 mo) |  Wells Fargo 3.50% (relationship) |
| 5 months | 0.50% | 1.39% (6 mo) |  Citi 2.50% |
| 6 months | 2.25% | 1.39% | Ally 4.00% |
| 7 months | 2.25% | 1.39% (6 mo) | Wells Fargo 4.10% (relationship) |
| 8 months | 3.50% | 1.39% (6 mo) | Citi 2.00% |
| 9 months | 0.50% | 1.39% (6 mo) |  Marcus 4.30% |
| 10 months | 1.50% | 1.76% (12 mo) | Citi 0.05% |
| 11 months | 2.50% | 1.76% (12 mo) |  Capital One 4.50% |
| 1 year | 0.50% | 1.76% | Ally 4.50% |
| 13 months | 3.20% | 1.76% (12 mo) | Citi 2.00% |
| 14 months | 0.50% | 1.76% (12 mo) | Citi 0.10% |
| 15 months | 2.00% | 1.76% (12 mo) | Wells Fargo 4.00% (relationship) |
| 18 months | 2.00% | 1.76% (12 mo) | Ally 4.50% |
| 21 months | 2.00% | 1.55% (24 mo) | – |
| 2 years | 2.00% | 1.55% | Marcus 4.40% |
| 30 months | 2.00% | 1.55% (24 mo) | Capital One 3.50% |
| 3 years | 2.00% | 1.39% | Marcus 4.40% |
| 42 months | 2.00% | 1.39% (36 mo) | – |
| 4 years | 2.00% | 1.31% | Marcus 4.40% |
| 5 years | 2.00% | 1.41% | Ally 4.50% |
| 7 years | 2.00% | 1.41% (60 mo) |  Navy Federal 3.85% |
| 10 years | 2.00% | 1.41% (60 mo) | – |
Chase CD early withdrawal penalty
| Term | Penalty |
|---|---|
| Less than 6 months | 90 days of interest |
| 6 to 23 months | 180 days of interest |
| 24 months or more | 365 days of interest |
Example: $10,000 in a 1-year CD at 0.50%, withdrawn after 6 months, has earned $24.97. The penalty is $24.60, so you would get $10,000.37.
The penalty is capped at the interest earned during the current term. A 7-day minimum penalty applies to withdrawals in the first 7 days. Official disclosure (checked 2026-11-04).
How We Calculate & Keep This Accurate
Maturity value is your deposit grown at the APY for the term: A = P × (1 + APY)^(months ÷ 12). The APY for each term is the highest balance tier your deposit qualifies for. Early withdrawal penalties are charged as simple interest on the deposit at the CD's interest rate (the APY converted to its daily rate), following Chase's published rule for that term.
Rates come from Chase's own rate page. We use the APY Ledger dataset (CC BY 4.0) to spot rate changes, and we checked a sample of rates and the penalty rules against Chase's website and disclosures. Results are estimates, not an offer from the bank.
Primary Sources
Data & Freshness
Figures reflect 2026 tax-year data.
Last updated November 3, 2026 · Maintained by the Financial Calculator editorial team.
Chase CD FAQs
Quick answers about Chase CD rates and penalties.
What are Chase's CD rates today?
How much will $10,000 earn in a Chase 8 months CD?
What is Chase's CD early withdrawal penalty?
Are Chase CDs insured?
How do Chase's rates compare with the national average?
CD rates at other banks
Top APY at each bank for a $10,000 deposit.
- Wells Fargo CD ratesup to 4.25%
- Citi CD ratesup to 4.25%
- Capital One CD ratesup to 4.50%
- Ally CD ratesup to 4.50%
- Marcus CD ratesup to 4.40%
- U.S. Bank CD ratesup to 3.50%
- Navy Federal CD ratesup to 4.35%
- PenFed CD ratesup to 3.50%
- CD calculator (any bank)