Chase Bank savings and CD rates
Chase Bank advertises 0.01% APY on its Chase Savings℠ account. That is 0.36 percentage points below the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #2471 of 2519 tracked savings rates by advertised APY. For a $10,000 balance it would rank #2403. It was #191 three months ago. The bank has cut this rate once in the last 12 months.
Chase Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 0.01% · Chase Savings℠ |
| Minimum to open | $0 · Chase Savings℠ |
| Against the national average | 0.36 percentage points below the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 4.00% · 7 months · 7-Month CD |
| Minimum to open | $1,000 · 7 months CD |
| Against the national average | 2.59 percentage points above the 1.41% FDIC 6-month CD average (Sep 2026) |
| FDIC certificate | 628 |
|---|---|
| Website | www.chase.com |
| Availability | Nationally available |
Chase Bank savings and CD rates
Personal
Business
How the rate applies
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 60 savings accounts from 59 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.16% or more. See the highest savings rates.
Chase Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 1 months | 0.02% | $1,000 | 1-Month CD |
| 2 months | 0.50% | $1,000 | 2-Month CD |
| 3 months | 0.50% | $1,000 | 3-Month CD |
| 4 months | 1.75% | $1,000 | 4-Month CD |
| 5 months | 0.50% | $1,000 | 5-Month CD |
| 6 months | 0.50% | $1,000 | 6-Month CD |
| 7 months | 4.00% | $1,000 | 7-Month CD |
| 8 months | 0.50% | $1,000 | 8-Month CD |
| 9 months | 0.50% | $1,000 | 9-Month CD |
| 10 months | 1.50% | $1,000 | 10-Month CD |
| 11 months | 3.50% | $1,000 | 11-Month CD |
| 12 months | 0.50% | $1,000 | 12-Month CD |
| 13 months | 0.50% | $1,000 | 13-Month CD |
| 14 months | 0.50% | $1,000 | 14-Month CD |
| 15 months | 2.00% | $1,000 | 15-Month CD |
| 18 months | 2.00% | $1,000 | 18-Month CD |
| 21 months | 2.00% | $1,000 | 21-Month CD |
| 24 months | 2.00% | $1,000 | 24-Month CD |
| 30 months | 2.00% | $1,000 | 30-Month CD |
| 36 months | 2.00% | $1,000 | 36-Month CD |
| 42 months | 2.00% | $1,000 | 42-Month CD |
| 48 months | 2.00% | $1,000 | 48-Month CD |
| 60 months | 2.00% | $1,000 | 60-Month CD |
| 84 months | 2.00% | $1,000 | 84-Month CD |
| 120 months | 2.00% | $1,000 | 120-Month CD |
Interactive Tool
Calculate Savings for Chase Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$3.70(0.0%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,003.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Chase Bank pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, JPMorgan Chase Bank paid a higher average rate on savings and money market deposits than 27% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- JPMorgan Chase Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Chase Savings℠ | 0.01% | $0 | $0 | None | $5, can be waived | None | One rate | |
| Fine print: APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | ||||||||
| Chase Premier Savings | 0.01% | $0 | $0 | None | not stated | None | Tiered | |
| Business | ||||||||
| Chase Business Total Savings | 0.01% | $0 | $0 | None | not stated | Checking account | Tiered | |
| Fine print: Fee waived with $1,000 avg ledger balance OR linked Chase Business Complete Checking. | ||||||||
| Chase Business Premier Savings | 0.01% | $0 | $0 | None | not stated | Checking account | Tiered | |
| Fine print: Fee waived with $25,000 avg ledger balance OR linked Chase Performance Business Checking. A higher relationship rate applies when the account is linked to a Chase Performance, Platinum or Analysis Business Checking account with at least five customer-initiated transactions each statement period. | ||||||||
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| 1-Month CD | 1 months | 0.02% | $1,000 | not stated | not stated |
| 2-Month CD | 2 months | 0.50% | $1,000 | not stated | not stated |
| 3-Month CD | 3 months | 0.50% | $1,000 | not stated | not stated |
| 4-Month CD | 4 months | 1.75% | $1,000 | not stated | not stated |
| 5-Month CD | 5 months | 0.50% | $1,000 | not stated | not stated |
| 6-Month CD | 6 months | 0.50% | $1,000 | not stated | not stated |
| 7-Month CD | 7 months | 4.00% | $1,000 | not stated | not stated |
| 8-Month CD | 8 months | 0.50% | $1,000 | not stated | not stated |
| 9-Month CD | 9 months | 0.50% | $1,000 | not stated | not stated |
| 10-Month CD | 10 months | 1.50% | $1,000 | not stated | not stated |
| 11-Month CD | 11 months | 3.50% | $1,000 | not stated | not stated |
| 12-Month CD | 12 months | 0.50% | $1,000 | not stated | not stated |
| 13-Month CD | 13 months | 0.50% | $1,000 | not stated | not stated |
| 14-Month CD | 14 months | 0.50% | $1,000 | not stated | not stated |
| 15-Month CD | 15 months | 2.00% | $1,000 | not stated | not stated |
| 18-Month CD | 18 months | 2.00% | $1,000 | not stated | not stated |
| 21-Month CD | 21 months | 2.00% | $1,000 | not stated | not stated |
| 24-Month CD | 24 months | 2.00% | $1,000 | not stated | not stated |
| 30-Month CD | 30 months | 2.00% | $1,000 | not stated | not stated |
| 36-Month CD | 36 months | 2.00% | $1,000 | not stated | not stated |
| 42-Month CD | 42 months | 2.00% | $1,000 | not stated | not stated |
| 48-Month CD | 48 months | 2.00% | $1,000 | not stated | not stated |
| 60-Month CD | 60 months | 2.00% | $1,000 | not stated | not stated |
| 84-Month CD | 84 months | 2.00% | $1,000 | not stated | not stated |
| 120-Month CD | 120 months | 2.00% | $1,000 | not stated | not stated |
Fine print for 25 CDs above: Relationship rate (requires linked Chase checking). Rates vary by market.
Opening and using the account
| Availability | Nationally available |
|---|---|
| App Store rating | 4.8 out of 5 |
| Google Play rating | 4.8 out of 5 |
| Zelle | Available, daily limit $2,000 |
| Eligibility | not stated |
How Chase Bank behaves over time
Every observation of the advertised Chase Savings℠ rate in the last 12 months was 0.01% (observed through Oct 2, 2026). The series includes promotional tiers where one applied.
Banksparency observed 1 cut to Chase Bank's advertised savings rate in the last 12 months, a period with 2 Federal Reserve cuts.
Recent rate changes, as observed
- Obs. Sep 11, 20262-Month CDCut:1.50%to0.50%
- Obs. Sep 11, 20264-Month CDCut:3.30%to1.75%
- Obs. Sep 11, 20267-Month CDRaise:0.50%to3.50%
- Obs. Aug 17, 2026Chase Business Premier SavingsCut:0.02%to0.01%
- Obs. May 18, 202611-Month CDRaise:2.50%to2.75%
- Chase Savings℠
- The same as 90 days ago.
- 7 months CD
- Up 3.50 percentage points from 30 days ago.
At the top advertised rates we observed for Chase Bank's Chase Savings℠, $10,000 would have grown to about $10,001 over the past year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). So it buys as much as $9,672 did a year ago. The series includes promotional tiers where one applied. See how the federal funds rate shapes savings rates.
Chase Bank CD rates over time
Who is Chase Bank?
| Scale | $4.09T assets · $2.82T deposits, $2.15T of it interest-bearing (Q2 2026, FDIC) |
|---|---|
| Deposit insurance | FDIC insured · Certificate 628 |
| BBB rating | A+ · Not BBB Accredited |
| Affiliation | JPMorgan Chase & Co |
| Charter state | Ohio · the charter, JPMorgan Chase Bank, National Association, is one of 157 insured banks chartered there (Q2 2026, FDIC) |
Financial detail is in What Chase Bank pays on deposits above.
Common questions about Chase Bank
Is Chase Bank FDIC insured?
Yes. Chase Bank is FDIC insured under certificate 628, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Chase Bank?
Chase Bank requires no minimum deposit to open its Chase Savings℠ account, as observed on Oct 2, 2026. Check the bank's current terms before you open an account.
Chase Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Chase Bank | 0.01% | 0.85% | $0 | not stated |
| American Bank and Trust Company, National Association | 0.01% | 2.05% | $25 | 8 branches in IA, IL |
| BMO Bank | 0.01% | 1.61% | $25 | 987 branches across 23 states |
| Farmers & Merchants Bank & Trust | 0.01% | 0.85% | $50 | 3 branches in WI |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Chase Bank's.
Compare Chase Bank with another bank
Each link opens a full comparison page, with the two banks side by side and their current savings rates.
- Chase Bank vs Chime
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- Chase Bank vs CIT Bank
- Chase Bank vs Barclays
Chase Bank has not changed its rate since at least January 21, 2026, while Marcus by Goldman Sachs last changed its rate on September 18, 2026, up 10 basis points.
Chase Bank vs Marcus by Goldman Sachs- Chase Bank vs Axos Bank
Compare Chase Bank with another bank as a whole
These pages compare more than savings: checking, branches, the other products each bank sells, and their apps.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Ohio, nearest to JPMorgan Chase Bank, National Association in deposits:
Rate hubs: today's highest savings rates, and CD rates by term.