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Ally vs Chase CD Rates (November 2026)
On a 1-year CD, $10,000 earns $400.00 more at Ally than at Chase. The full term-by-term breakdown is below.
Updated Nov 7, 2026
The verdict: Ally vs Chase
Ally pays the higher APY on 7 of the 7 terms both banks offer for a $10,000 deposit. Chase leads on 0.
At the headline 1 year term, Ally pays 4.50% APY against 0.50% at Chase, a $400.00 difference on $10,000. Each bank's best offer right now: Ally pays up to 4.50% (1 year) and Chase up to 3.50% (8 months, relationship).
The rate is only half the decision. Ally and Chase charge different penalties if you break the CD early — compared below — and Both are federally insured up to $250,000 per depositor, so safety is equal under the limit.
Ally vs Chase CD rates by term
Best APY a $10,000 deposit can open at each bank, for every term either bank lists. A dash means the bank has no fundable offer at that term and deposit; we leave it blank rather than guess. "Rel." marks a relationship rate that needs a linked account.
| Term | Ally | Chase | Better pick |
|---|---|---|---|
| 1 month | – | 0.02% (rel.) | – |
| 2 months | – | 0.50% (rel.) | – |
| 3 months | 2.90% | 0.50% (rel.) | Ally |
| 4 months | – | 1.75% (rel.) | – |
| 5 months | – | 0.50% (rel.) | – |
| 6 months | 4.00% | 2.25% (rel.) | Ally |
| 7 months | – | 2.25% (rel.) | – |
| 8 months | – | 3.50% (rel.) | – |
| 9 months | 4.15% | 0.50% (rel.) | Ally |
| 10 months | – | 1.50% (rel.) | – |
| 11 months | – | 2.50% (rel.) | – |
| 1 year | 4.50% | 0.50% (rel.) | Ally |
| 13 months | – | 3.20% (rel.) | – |
| 14 months | – | 0.50% (rel.) | – |
| 15 months | – | 2.00% (rel.) | – |
| 18 months | 4.50% | 2.00% (rel.) | Ally |
| 21 months | – | 2.00% (rel.) | – |
| 2 years | – | 2.00% (rel.) | – |
| 30 months | – | 2.00% (rel.) | – |
| 3 years | 4.25% | 2.00% (rel.) | Ally |
| 42 months | – | 2.00% (rel.) | – |
| 4 years | – | 2.00% (rel.) | – |
| 5 years | 4.50% | 2.00% (rel.) | Ally |
| 7 years | – | 2.00% (rel.) | – |
| 10 years | – | 2.00% (rel.) | – |
Sources: Ally CD rates (checked Nov 7, 2026) and Chase CD rates (checked Nov 7, 2026).
What $10,000 earns at each bank
Interest over the full term at the rates above, on the 7 terms both banks offer.
| Term | Ally earns | Chase earns | Difference |
|---|---|---|---|
| 3 months | $71.72 at 2.90% | $12.48 at 0.50% | Ally +$59.25 |
| 6 months | $198.04 at 4.00% | $111.87 at 2.25% | Ally +$86.16 |
| 9 months | $309.66 at 4.15% | $37.48 at 0.50% | Ally +$272.19 |
| 1 year | $450.00 at 4.50% | $50.00 at 0.50% | Ally +$400.00 |
| 18 months | $682.54 at 4.50% | $301.50 at 2.00% | Ally +$381.04 |
| 3 years | $1,329.96 at 4.25% | $612.08 at 2.00% | Ally +$717.88 |
| 5 years | $2,461.82 at 4.50% | $1,040.81 at 2.00% | Ally +$1,421.01 |
a 1-year CD earnings by deposit size
Balance tiers mean the APY can change with the deposit. This is what 1 year CDs pay at four deposit sizes.
| Deposit | Ally earns | Chase earns |
|---|---|---|
| $1,000 | $45.00 at 4.50% | $5.00 at 0.50% |
| $10,000 | $450.00 at 4.50% | $50.00 at 0.50% |
| $25,000 | $1,125.00 at 4.50% | $125.00 at 0.50% |
| $100,000 | $4,500.00 at 4.50% | $500.00 at 0.50% |
A dash means that deposit does not qualify for the bank's 1 year offer (minimum opening deposit or a product cap).
Early withdrawal penalties compared
| Term | Ally | Chase |
|---|---|---|
| Less than 3 months | 30 days of interest | – |
| 3 to 24 months | 60 days of interest | – |
| 25 to 36 months | 90 days of interest | – |
| 37 to 48 months | 120 days of interest | – |
| 49 months or longer | 150 days of interest | – |
| 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: break a 1-year $10,000 CD after 6 months and Ally charges $72.36 (you keep $10,150.16) while Chase charges $24.60 (you keep $10,000.37). At Ally the penalty can reach your principal. Chase caps the penalty at the interest earned.
Rules verified against each bank's disclosure (Ally: checked 2026-11-04; Chase: checked 2026-11-04). Model your own deposit and withdrawal date on the CD early withdrawal penalty calculator.
Ally vs Chase CD FAQs
Quick answers comparing Ally and Chase CDs.
Which pays more, Ally or Chase?
How much more does $10,000 earn at Ally over 1 year?
Ally or Chase: which is better for a 5-year CD?
Which has the lower early withdrawal penalty, Ally or Chase?
Are Ally and Chase CDs insured?
Are these the best CD rates available?
Sources and how we calculate
Rates come from each bank's own rate page (Ally checked Nov 7, 2026, Chase checked Nov 7, 2026); penalty rules are verified against the banks' disclosures. Earnings grow the deposit at the APY, the same math the bank pages and calculators on this site use. Results are estimates, not an offer from either bank.
Figures last checked on Nov 7, 2026. Read our calculation methodology for data sources and update schedule.