Open a Chase Certificate of Deposit Account Chase.com
With a Certificate of Deposit account you know exactly what interest rate you’ll receive on your CDs during their term. Book your Chase CD account today!
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Explore all relationship rates
Available to our customers with a linked Chase personal checking account. The table below does not apply to Retirement CDs.
expandSee Retirement CD rates and non- relationship standard rates.
CD ladders available for Private Clients
Talk with a Private Client Banker to take advantage of a CD ladder strategy that allows you to earn interest over time, while also providing you flexible access to your money.
Learn more about CDs for Chase Private Client
Certificate of Deposit FAQ
What is a Chase CD?
A certificate of deposit, or CD, is a deposit account with us for a specified period of time.
What is the minimum deposit amount to open a Chase CD?
$1,000
How is the Chase CD interest calculated?
We use the daily balance method to calculate interest on your CD. This method applies a periodic rate each day to your balance. Interest begins to accrue on the business day of your deposit. Interest for CDs is calculated on a 365-day basis, although some business CDs may calculate interest on a 360-day basis. The Annual Percentage Yield (APY) disclosed on your deposit receipt or on the maturity notice assumes interest will remain on deposit until maturity. On maturities of more than one year, interest will be paid at least annually. Please see the Deposit Account Agreement and rate sheet for further details.
Are there early withdrawal fees or penalties associated with a Chase CD?
There is a penalty for withdrawing principal prior to the maturity date. For Personal CDs:
- If the term of the CD is less than 6 months, the early withdrawal penalty is 90 days of interest on the amount withdrawn, but not more than the total amount of interest earned during the current term of the CD.
- If the term of the CD is 6 months to less than 24 months, then the early withdrawal penalty is 180 days of interest on the amount withdrawn, but not more than the total amount of interest earned during the current term of the CD.
- For terms 24 months or more, the early withdrawal penalty is 365 days of interest on the amount withdrawn, but not more than the total amount of interest earned during the current term of the CD.
- If the withdrawal occurs less than seven days after opening the CD or making another withdrawal of principal, the early withdrawal penalty will be calculated as described above, but it cannot be less than seven days’ interest. We may not permit withdrawals if funds have not been credited to the account.
- The amount of your penalty will be deducted from principal.
See the Deposit Account Agreement and rate sheet for further details
What does it mean when my Chase CD matures?
The maturity date is the last day of your CD’s term. The grace period begins the following day and lasts for 10 days – this is when you can make changes to your CD. Go to chase.com/cdmaturity to learn more about what options you have when your CD matures.
Let’s get started
Existing Chase checking customers can open a CD online.
Open a CDNot a Chase checking customer? Schedule a meeting with a banker to open an account and enjoy relationship rates.
Schedule a meetingWant to learn more about CDs? Visit our Banking Education Center.
Available to our customers with a linked Chase personal checking account. The table below does not apply to Retirement CDs.
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