Chase Bank CD Rates: The Best Interest Rate?

Shawn Plummer

CEO, The Annuity Expert

Chase Bank provides money-saving products, including competitive CD rates, checking accounts, and savings accounts. This guide will compare their interest rates to CD rates from the USA’s top banks.

Let’s take a look at Chase banking!

Earn The Highest Interest Rates On Savings Today

Fixed annuities are almost identical to Certificates of Deposit (CDs) accounts and provide higher interest rates and penalty-free withdrawals for income.

TermInsurance CompanyAPY
N/AGreenState Credit Union Savings Account5.01%
N/APonce Bank5.01%
12 MonthsBread Savings CD5.20%
27 MonthsSallie Mae CD5.15%
48 MonthsAmerico Fixed Annuity5.05%
5 YearsAmerico Fixed Annuity5.25%
10 YearsAmerican National5.45%
*Fixed annuities are only for saving money to use in retirement.

Disclaimer: This is a review. The Annuity Expert is not associated with a bank or credit union. However, fixed annuities are sold at most financial institutions. We aim to help you find the highest interest rates for your retirement savings. We may receive a small referral fee if you purchase something using a link in this article.

Find And Compare The Highest Interest Rates

Find the highest interest rates for your savings ranging from 3 months to 10 years, all in one place.

About Chase Bank

Chase Bank is one of the largest banks in the United States. It provides its customers with a wide range of banking, mortgage, credit card, and investment services.

Chase Bank has been providing financial services to customers for over 130 years and continues to be a trusted choice for millions of customers across the US. With a wide range of products and services, including checking accounts, savings accounts, investment services, credit cards, personal loans, and many more options for managing your finances, Chase Bank is the ideal choice for anyone looking for a reliable bank with excellent customer service.

With over 5,000 branches and 16,000 ATMs throughout the country, Chase is easily accessible to most people. In addition to traditional banking services like savings accounts, checking accounts, and loans, Chase offers investment products like mutual funds and annuities.

Chase is an FDIC member and headquartered in New York City.

Chase Bank is a good option if you’re looking for a full-service bank with a wide range of products and services. However, if you’re looking for the lowest fees and interest rates, you may want to compare Chase with other banks before making a decision.

Chase Bank Checking Account Rates

Opening a checking account at Chase Bank can be a great way to manage your finances. With easy online access, flexible payment options, and low fees, it’s a convenient and affordable choice for anyone who wants to keep their money secure and accessible.

Whether you’re looking to simplify your budget or set up automatic transfers to pay bills on time, Chase has the tools and services you need to stay on top of your finances. So if you’re ready to take charge of your money and start saving today, open a checking account with Chase Bank!

Chase Money Market Account Rates

Chase Bank does not currently offer money market accounts. However, they offer several other savings accounts, including traditional accounts and certificates of deposit (CDs).

You can find the best money market rates here.

Chase Bank Savings Account Rates

Chase Bank offers some of the best savings accounts available today. In addition, these accounts are highly customizable, allowing you to choose from various interest rates and minimum balance requirements to find an account that fits your needs.

Furthermore, Chase excels when it comes to customer service and security. Their dedicated account representatives are available at all hours, ready to answer your questions and help with any problems or issues you might encounter. And as a bonus, all Chase savings accounts come equipped with advanced security features such as secure online banking and 24/7 monitoring by real people.

Chase offers two different savings account options: the standard and the premier. The Premier account pays a higher interest rate in exchange for a higher balance. The standard account does not have this requirement but only pays a lesser interest rate.

Chase has the perfect savings account whether you’re just starting or have been saving for years. So why wait? Go ahead and sign up today!

Chase CD Rates

For many people, saving money is a top priority. One way to do this is to invest in a certificate of deposit (CD) from a bank or credit union. CDs are low-risk investments that typically offer higher interest rates than savings accounts. Chase Bank offers a variety of CD options, making it a good choice for people who want to grow their savings.

The interest rate and term length are fixed, so savers know how much they will earn on their investment. CDs can be an ideal way to save for long-term goals like retirement, as they offer the potential for steady growth over time. Chase Bank CDs may be worth considering for people looking for a safe and reliable way to grow their savings.

Compare CD Rates From 423 Banks And Credit Unions

Find the highest interest rates for your savings ranging from 3 months to 5 years.

Certificates of Deposit vs. Fixed Annuity

The Top Fixed Annuities

  • 2-YEAR TERM: 4.60%
  • 3-YEAR TERM: 5.40%
  • 4-YEAR TERM: 5.10%
  • 5-YEAR TERM: 5.45%
  • 6-YEAR TERM: 5.43%
  • 7-YEAR TERM: 5.46%
  • Grow your money as fast as possible
  • Principal protection
  • The interest rate is locked for the term you select
  • Tax-deferred growth
  • Withdraw annually without penalty
  • Lump-sum death benefits
  • Accepts cash, 401(k), and IRA Funds

What’s The Difference Between a Fixed Annuity and a CD?

FeatureFixed AnnuityCD
Who OffersInsurance CompanyBanks
Premium Amounts$2,500 to $1 Million$500 – No Maximum
Terms2 Years to 20 Years3 Months to 7 Years
Guaranteed Interest RatesUp to 5.70%Up to 5.50%
Triple CompoundingYesNo
Principal ProtectionYesYes
Can You Lose Money?NoNo
Liquid After Term100%100%
How Are Gains Taxed?Tax-DeferredTaxed Annually
Annual LiquidityUp to 10% AnnuallyNo Liquidity
Who Protects My Money?Insurance Company/SGAFDIC
Accepts IRAYesNo
Accepts 401(k)YesNo
Death BenefitLump-SumLump-Sum

Are Annuities FDIC Insured?

Fixed annuities are not FDIC insured but have similar protections for your money. An annuity is an insurance policy guaranteed by the insurance company’s claims-paying ability. The insurance companies are members of the state insurance guarantee associations where they do business. Each state insurance guarantee association protects consumers if the insurance company fails and defaults on its obligations to its consumers (limits vary per state).

For example, Georgia insures up to $250,000 of the annuity’s cash value per insured life if the insurance company becomes insolvent and can not fulfill its obligations to the insured.

Chase vs.

The Best CD Rates Today

3-Month CD Rates

The following banks and credit unions have the highest CD rates for three months.

Best 3-Month CD RatesRateTermMinimum
Synchrony Bank2.25% APY3 Months$0.00
Popular Direct4.10% APY3 Months$10,000.00
TIAA Bank4.00% APY3 Months$1,000.00
TotalDirect Bank4.00% APY3 Months$25,000.00
Ally2.00% APY3 Months$0.00
Bethpage Federal Credit Union2.25% APY3 Months$50.00
Teachers Federal Credit Union4.50% APY3 Months$1,000.00

6-Month CD Rates

The following banks and credit unions have the highest CD rates for six months.

Best 6-Month CD RatesRateTermMinimum
CommunityWide FCU4.50% APY6 Months$1.000.00
PenFed Credit Union2.70% APY6 Months$1,000.00
Synchrony Bank4.25% APY6 Months$0.01
Popular Direct4.75% APY6 Months$10,000.00
First Internet Bank4.52% APY6 Months$1,000.00
Quontic Bank3.75% APY6 Months$500.00
Marcus by Goldman Sachs3.90% APY6 Months$500.00
Bank5 Connect4.75% APY6 Months$1,000.00
Fortera Credit Union5.25% APY7 Months$1,000.00
Bask Bank5.85% APY6 Months$1,000.00
Live Oak Bank4.80% APY6 Months$2,500.00
Brilliant Bank5.25% APY9 Months$1,000.00
MYSB Direct5.00% APY6 Months$500.00

1-Year CD Rates

The following banks and credit unions have the highest CD rates for 12 months.

Best 12-Month CD RatesRateTermMinimum
Bread Savings5.05% APY12 Months$1,500.00
First National Bank of America4.40% APY12 Months$1,000.00
CommunityWide FCU5.00% APY12 Months$1,000.00
PenFed Credit Union4.60% APY12 Months$1,000.00
Marcus by Goldman Sachs4.50% APY12 Months$500.00
Synchrony Bank4.50% APY12 Months$0.00
Popular Direct5.15% APY12 Months$10,000.00
First Internet Bank of Indiana5.06% APY12 Months$1,000.00
Alliant Credit Union5.00% APY12 Months$1,000.00
Bethpage Federal Credit Union5.00% APY12 Months$50.00
Umbrella Bank4.20% APY12 Months$1,000.00
Limelight Bank5.15% APY12 Months$1,000.00
CFG Bank5.20% APY12 Months$500.00
Rising Bank5.00% APY12 Months$1,000.00
America First Credit Union5.10% APY12 Months$500.00
Sallie Mae Bank4.80% APY12 Months$2,500.00
MYSB Direct5.25% APY12 Months$500.00

2-Year CD Rates

Banks and credit unions have the highest CD rates for 24 months.

Best 2-Year CD RatesRateTermMinimum
Synchrony Bank4.30% APY24 Months$0.01.00
First National Bank of America4.40% APY24 Months$1,000.00
Pentagon Federal Credit Union4.45% APY24 Months$1,000.00
Marcus by Goldman Sachs4.35% APY24 Months$500.00
Credit Human5.50% APY24 Months$500.00
North American Savings Bank5.13% APY24 Months$5,000.00
Bread Savings5.10% APY24 Months$1,500.00
Langley Federal Credit Union5.35% APY22 Months$500.00

3-Year CD Rates

The following banks and credit unions have the highest CD rates for 36 months.

Best 3-Year CD RatesRateTermMinimum
Bread Savings4.50% APY36 Months$1,500.00
Pentagon Federal Credit Union4.10% APY36 Months$1,000.00
Synchrony Bank4.30% APY36 Months$0.01%
First National Bank of America4.40% APY36 Months$1,000.00
Marcus by Goldman Sachs4.30% APY36 Months$500.00
Discover4.30% APY36 Months$2,500.00
Popular Direct4.45% APY36 Months$10,000.00
Quontic Bank4.30% APY36 Months$500.00
Barclays4.30% APY36 Months$0.00
Randolph-Brooks Federal Credit Union4.35% APY36 Months$20,000.00
Credit Human5.50% APY24-35 Months$500.00
First Internet Bank of Indiana4.54% APY36 Months$1,000.00
Quorum Federal Credit Union5.15% APY36 Months$1,000.00
Summit Credit Union4.85% APY36 Months$500.00

4-Year CD Rates

The following banks and credit unions have the highest CD rates for 48 months.

Best 4-Year CD RatesRateTermMinimum
Bread Savings4.35% APY48 Months$1,500.00
NASA Federal Credit Union4.55% APY49 Months$10,000.00
PenFed Credit Union3.90% APY48 Months$1,000.00
Synchrony Bank4.30% APY48 Months$0.01
First National Bank of America4.35% APY48 Months$1,000.00
Marcus by Goldman Sachs4.00% APY48 Months$500.00
Credit Human4.65% APY36-59 Months$500.00
All In Credit Union4.49% APY48 Months$1,000.00
University Federal Credit Union5.00% APY48 Months$1,000.00

5-Year CD Rates

The following banks and credit unions have the highest CD rates for 60 months.

Best 5-Year CD RatesRateTermMinimum
Bread Savings4.25% APY60 Months$1,500.00
Popular Direct4.50% APY60 Months$10,000.00
Synchrony Bank4.30% APY60 Months$0.00
PenFed Credit Union3.90% APY60 Months$1,000.00
First National Bank of America4.35% APY60 Months$1,000.00
Marcus by Goldman Sachs3.80% APY60 Months$500.00
Discover4.10% APY60 Months$2,500.00
Connexus Credit Union3.51% APY60 Months$5,000.00
Barclays4.30% APY60 Months$0.00
BMO Harris4.50% APY59 Months$5,000.00
Credit Human4.65% APY60 Months$500.00
First Internet Bank of Indiana4.49% APY60 Months$1,000.00
All In Credit Union5.00% APY60 Months$1,000.00
Lafayette Federal Credit Union4.63% APY60 Months$500.00

Disclaimer: I may receive a small referral fee if you purchase something using a link in this guide.

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Frequently Asked Questions

What is the best rate at Chase Bank?

  • 1-year CD: 0.02%-0.05% APY.
  • 3-year CD: 0.02%-0.05% APY.
  • 5-year CD: 0.02%-0.05% APY.
  • 10-year CD: 0.02%-0.05%APY.

What’s the highest CD rate I can expect?

If you’re looking for 6% CD rates, you’re not going to find them at a bank, credit union, online, or financial institution. Interest rates on CDs haven’t been that high in over a decade. However, fixed annuities have peaked at 4 percent in the last ten years.

While 6% CD rates may be a thing of the past, options are still available for those looking for a higher rate of return on their investment. Fixed annuities can provide a safe and secure way to grow your money, and they offer the potential for higher returns than traditional savings accounts. If you’re interested in exploring this option, talk to a financial advisor to see if a fixed annuity is right.

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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