Rates updated October 11, 2026 · 71 banks tracked

Chase CD rates: 0.01% APY best term

Q: Is Chase's CD rate good?

Chase's best CD rate of 0.01% ranks in the bottom 10th percentile of the 71 banks SwitchWize tracks CD rates for. The best available CD rate tracked is 4.83%; the FDIC national savings average is 0.37%.

Q: Which banks pay more than Chase on CDs?

Higher-paying tracked options include citizens (0.03%), applied (0.05%), and bank-of-hope (0.35%).

Chase’s best tracked CD pays 0.01% across 6 terms — ranking in the bottom 10th percentile of the 71 banks SwitchWize tracks CD rates for, where the best available rate is 4.83%. (Updated October 11, 2026.)

Chase CD rates by term

Term	APY
3 months	0.01%Best
6 months	0.01%Best
1 year	0.01%Best
2 years	0.01%Best
3 years	0.01%Best
5 years	0.01%Best

Is Chase a good CD rate? Not really. At 0.01% its best CD trails the 4.83% best available tracked rate, leaving about $1,206 a year on the table on a $25,000 deposit.

The gap, in your dollars

At 0.01%, $25,000 earns $3/yr here versus $1,208/yr at the field leader — a $1,206/yr difference.

See your exact number →

Higher-paying CD alternatives we track

citizensView rates →appliedView rates →bank of hopeView rates →

Rates subject to change. Verify before opening a CD.

Is it safe to switch? Any FDIC-insured bank carries the same federal deposit protection — the same coverage big banks carry. Verify Chase and alternatives →

Frequently asked questions

What is Chase's best CD rate?▾

Chase's best tracked CD rate is 0.01% APY as of October 11, 2026, across 6 terms SwitchWize tracks for this bank.

Is Chase's CD rate good?▾

Chase's best CD rate ranks in the bottom 10th percentile of tracked banks. The best available tracked rate is 4.83% and the FDIC national savings average is 0.37%.

Which banks pay more than Chase on CDs?▾

Higher-paying tracked options include citizens, applied, bank of hope. Compare rates at /cds to find the best current option.

← Chase savings rate All tracked banks Compare CD rates

General information only. Rates change frequently; verify directly with the institution before making financial decisions. SwitchWize is not a bank and does not provide financial advice.