Chase CD Rates: Breaking Down the Pros and Cons in 2025

If you’re looking for a way to grow your money without incurring too much risk, a certificate of deposit (CD) is the way to go. While it may lack the flexibility of, say, a traditional savings account, a CD is a safe and simple way to generate passive income.

Sadly, when it comes to Chase Bank CD rates, they are far from the most competitive on the market, especially if you don’t have a regular account with the bank. However, if you are a current customer, it may still be a good enough way to earn and save money for future expenses. In this article, we’ll break down the basics of Chase CD rates, the factors that influence them, and how to best take advantage of this investment type.

Current Chase Bank CD Rates

The bank currently offers CDs at various rates, with some high-yield options for customers ready to meet the bank’s conditions.

But before you jump headfirst into the Chase deposit system, make sure that:

• You meet the bank’s eligibility requirements;
• You can come up with a minimum deposit of $1,000;
• Your chosen rate is available at the moment;
• You have no outstanding debts;
• You are satisfied with Chase's terms and conditions.

With this in mind, what is the best CD rate at Chase Bank, and how can you get it? Deposit rates depend on the investment term you choose and the sum you’re willing to part with. Note that while you can set up an additional account for your deposit, using your current card to earn interest over a certain period is also an option.

Let’s take a closer look at CD rates at Chase Bank, broken down by deposit duration.

Rates by Term Length

Do you know how the deposit rate is formed? It is based on three key factors:

• The amount you deposit (the more, the better);
• How long you intend to keep the funds in the account (the longer, the better);
• How much the bank can earn from the funds you deposit.

A bank will reinvest your money in projects, customer loans, trusts, or infrastructure development. The deposit interest is a compensation you earn for allowing the bank to use your investments. However, if you withdraw the funds before the CD term expires, you’ll have to pay an early withdrawal penalty. This way, the bank secures its investments.

This system greatly benefits the banks, as they get to reinvest your deposit and generate higher returns. However, earning a profit, even a small one, is always a win, despite the fact that it may not amount to much when compared to what the bank makes in the end. What’s more, the investments that can get you higher returns are usually far more risky, so it’s a classic profitability vs safety trade-off.

Here is a brief overview of the current Chase CD rates available to non-customers:

Rates are accurate at the time of writing.

You can open a deposit account online at any time, so take your time checking out all the offers Chase has on the table before making your decision and opening a CD.

Chase Bank CD Rates

In terms of CD rates Chase Bank is nothing to write home about, coming in at an APY of 0.01%. That said, it’s still a good option for passive financial growth since no extra investments or fees are required.

Chase Bank CDs for the bank’s customers are a different matter entirely.  There are several tiered “relationship” rates to choose from, currently ranging from 0.02% up to about 3.90% APY. Occasionally, Chase revises their policy and adjusts deposit offers to reflect changes in market conditions.

Besides better rates, a Chase account will give you access to:

• 24/7 high-quality customer service;
• A good variety of loan programs;
• Credit cards with bonus programs that let you earn and redeem points;
• Flexible loan and deposit terms;
• Favorable APR and customer-friendly requirements.

So, what is the CD rate at Chase Bank for Chase account holders? The relationship deposit rates are considerably higher compared to those available to third-party depositors. Check it out for yourself.

Rates are accurate at the time of writing.

A Chase Certificate of Deposit is a good way to earn passive income. In addition, the bank has a wide array of credit cards with above-average reward programs.

Final Thoughts

While the Chase Bank certificate of deposit may not be the best option available, it does offer a safe and reliable way to earn passive income to add to your IRA or other retirement program. This is especially true for existing customers who don’t want to deal with the risks that come with applying for credit cards at other banks. If you’re looking for higher returns, several online banks offer better rates, though they may come with more complex terms and conditions.