APY Ledger

Chase Bank CD Rates — October 2026

Also known as Chase, JPMorgan Chase.

As of October 22, 2026, Chase Bank's best CD rate for ZIP 10001 (New York, NY) is 4.00% APY on an 8-month relationship CD ($100,000 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). Rates vary by location — from 3.80% to 4.00% APY across the 3 ZIP codes we checked.

Last verified from www.chase.com · FDIC-insured bank · Columbus, OH

Tracking began .

Best APY (ZIP 10001)4.00%8 months, $100,000 min
vs. Treasury−0.45%same-term Treasury 4.45%
vs. national average2.9×FDIC national average 1.39%
After inflation0.26%CPI 3.7% year over year
$10,000 earns$265over 8 months, before tax

Rates by location

Chase Bank prices some CDs by ZIP code. We check one ZIP in each state where it has branches.

Best Chase Bank CD rate by ZIP code
LocationZIPBest termBest APY
New York, NY100018 months4.00%
San Francisco, CA941058 months4.00%
Chicago, IL606018 months3.80%

Chase Bank CD rates in New York, NY

Rates below are personal CD relationship rates for the ZIP codes checked and require a linked Chase personal checking account. Standard and retirement CD rates are not included.

Chase Bank CD rates for ZIP 10001
TermProductMinimumAPYvs. Treasury
1 month Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 0.02%Verified October 22, 2026 −4.11%
2 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 0.50%Verified October 22, 2026 −3.70%
3 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 0.50%Verified October 22, 2026 −3.79%
4 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 1.75%Verified October 22, 2026 −2.64%
5 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 0.50%Verified October 22, 2026 −3.89%
6 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 2.25%Verified October 22, 2026 −2.15%
7 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 2.25%Verified October 22, 2026 −2.18%
8 months Certificate of Deposit (relationship rate) Relationship $100,000same APY in 2 balance tiers 4.00%Verified October 22, 2026 −0.45%
8 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 4 balance tiers 3.50%Verified October 22, 2026 −0.95%
9 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 0.50%Verified October 22, 2026 −3.98%
10 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 1.50%Verified October 22, 2026 −3.01%
11 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 2.50%Verified October 22, 2026 −2.04%
12 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 0.50%Verified October 22, 2026 −4.07%
13 months Certificate of Deposit (relationship rate) Relationship $100,000same APY in 2 balance tiers 3.70%Verified October 22, 2026 −0.90%
13 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 4 balance tiers 3.20%Verified October 22, 2026 −1.40%
14 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 0.50%Verified October 22, 2026 −4.12%
15 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 2.00%Verified October 22, 2026 −2.65%
18 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 2.00%Verified October 22, 2026 −2.72%
21 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 2.00%Verified October 22, 2026 −2.79%
24 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 2.00%Verified October 22, 2026 −2.87%
30 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 2.00%Verified October 22, 2026 −2.91%
36 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 2.00%Verified October 22, 2026 −2.95%
42 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 2.00%Verified October 22, 2026 −2.97%
48 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 2.00%Verified October 22, 2026 −2.98%
60 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 2.00%Verified October 22, 2026 −3.01%
84 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 2.00%Verified October 22, 2026 −3.09%
120 months Certificate of Deposit (relationship rate) Relationship $1,000same APY in 6 balance tiers 2.00%Verified October 22, 2026 −3.20%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

What are Chase Bank's best CD rates by term?

Chase Bank's best rate for ZIP 10001 is 4.00% APY on 8 months, verified October 22, 2026.

  1. 1 mo0.02%
  2. 2 mo0.50%
  3. 3 mo0.50%
  4. 4 mo1.75%
  5. 5 mo0.50%
  6. 6 mo2.25%
  7. 7 mo2.25%
  8. 8 mo4.00%
  9. 9 mo0.50%
  10. 10 mo1.50%
  11. 11 mo2.50%
  12. 12 mo0.50%
  13. 13 mo3.70%
  14. 14 mo0.50%
  15. 15 mo2.00%
  16. 18 mo2.00%
  17. 21 mo2.00%
  18. 24 mo2.00%
  19. 30 mo2.00%
  20. 36 mo2.00%
  21. 42 mo2.00%
  22. 48 mo2.00%
  23. 60 mo2.00%
  24. 84 mo2.00%
  25. 120 mo2.00%

Calculate earnings at 4.00% for 8 months

How much interest could a Chase Bank CD earn?

Estimated interest at maturity for the displayed ZIP 10001 quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term$5,000$10,000$25,000$50,000
3 months$6.220.50% APY · Certificate of Deposit (relationship rate) · Relationship$12.440.50% APY · Certificate of Deposit (relationship rate) · Relationship$31.110.50% APY · Certificate of Deposit (relationship rate) · Relationship$62.210.50% APY · Certificate of Deposit (relationship rate) · Relationship
6 months$56.092.25% APY · Certificate of Deposit (relationship rate) · Relationship$112.182.25% APY · Certificate of Deposit (relationship rate) · Relationship$280.462.25% APY · Certificate of Deposit (relationship rate) · Relationship$560.912.25% APY · Certificate of Deposit (relationship rate) · Relationship
8 months$115.843.50% APY · Certificate of Deposit (relationship rate) · Relationship$231.673.50% APY · Certificate of Deposit (relationship rate) · Relationship$579.183.50% APY · Certificate of Deposit (relationship rate) · Relationship$1,158.363.50% APY · Certificate of Deposit (relationship rate) · Relationship
9 months$18.760.50% APY · Certificate of Deposit (relationship rate) · Relationship$37.510.50% APY · Certificate of Deposit (relationship rate) · Relationship$93.780.50% APY · Certificate of Deposit (relationship rate) · Relationship$187.550.50% APY · Certificate of Deposit (relationship rate) · Relationship
11 months$114.612.50% APY · Certificate of Deposit (relationship rate) · Relationship$229.222.50% APY · Certificate of Deposit (relationship rate) · Relationship$573.052.50% APY · Certificate of Deposit (relationship rate) · Relationship$1,146.092.50% APY · Certificate of Deposit (relationship rate) · Relationship
12 months$25.000.50% APY · Certificate of Deposit (relationship rate) · Relationship$50.000.50% APY · Certificate of Deposit (relationship rate) · Relationship$125.000.50% APY · Certificate of Deposit (relationship rate) · Relationship$250.000.50% APY · Certificate of Deposit (relationship rate) · Relationship
18 months$150.892.00% APY · Certificate of Deposit (relationship rate) · Relationship$301.772.00% APY · Certificate of Deposit (relationship rate) · Relationship$754.442.00% APY · Certificate of Deposit (relationship rate) · Relationship$1,508.872.00% APY · Certificate of Deposit (relationship rate) · Relationship
24 months$202.002.00% APY · Certificate of Deposit (relationship rate) · Relationship$404.002.00% APY · Certificate of Deposit (relationship rate) · Relationship$1,010.002.00% APY · Certificate of Deposit (relationship rate) · Relationship$2,020.002.00% APY · Certificate of Deposit (relationship rate) · Relationship
60 months$520.402.00% APY · Certificate of Deposit (relationship rate) · Relationship$1,040.812.00% APY · Certificate of Deposit (relationship rate) · Relationship$2,602.022.00% APY · Certificate of Deposit (relationship rate) · Relationship$5,204.042.00% APY · Certificate of Deposit (relationship rate) · Relationship

How Chase Bank compares

Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 243-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 2 of 6 tracked institutions with fresh 243-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

Chase Bank CD rate comparison
Institution / benchmarkTermMinimumQuote coverageAPYVerified / source date
Chase Bank (this institution)Certificate of Deposit (relationship rate) · Relationship8 months$100,000 New York, NY · ZIP 100014.00%October 22, 2026
Teachers Federal Credit UnionJumbo Certificate · Standard8 months$100,000 Hauppauge, NY · ZIP 117883.75%October 22, 2026
Webster BankPrivate 8 Month · Relationship8 months$500 Coverage: CT, DE, FL, MA, NH, NJ, NY, PA, RI0.02%October 22, 2026
Citadel Credit Union (highest tracked APY for this term)8 Month Bonus Certificate · Promotional8 months$75,000 Coverage: PA4.15%October 22, 2026
Treasury (APY-equivalent)8 months (term-matched estimate)Depends on purchase methodFederal; interest exempt from state income tax4.45%2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking Chase Bank on October 22, 2026.

About Chase Bank

Legal name
JPMorgan Chase Bank, National Association
Regulator ID
FDIC 628
Headquarters
Columbus, OH
Available in
AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
Total assets
$4,091.3 billion
Also known as
Chase, JPMorgan Chase
Website
www.chase.com

Source: rates read from https://www.chase.com/personal/savings/bank-cd. See the page text we read.

Frequently asked questions

What is the highest CD rate at Chase Bank?

4.00% APY on an 8-month relationship CD for ZIP 10001, as of October 22, 2026.

What is the minimum deposit for a Chase Bank CD?

The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $250,000.

Do Chase Bank CD rates depend on where you live?

Rates may depend on location. Across the 3 ZIP codes checked, the best rate ranged from 3.80% (Chicago, IL) to 4.00% (New York, NY).

How does Chase Bank's best CD rate compare with Treasury yields?

4.00% APY is −0.45% versus the 8-month Treasury yield of 4.45% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.00% a good CD rate?

It is 2.9 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are Chase Bank CDs insured?

Chase Bank is an FDIC-insured bank (FDIC 628). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check Chase Bank's rate page every day. The rates above were last verified on October 22, 2026.

More bank CD rates

Rates are copied from Chase Bank's website and may change at any time. Confirm terms, minimums and eligibility with Chase Bank before opening an account. This page is not financial advice.