Example: How much can you earn with a Chase CD? Chase Relationship CD rates Term lengthĪPY for initial deposit ($1,000 – $9,999)ĪPY for initial deposit ($10,000 – $99,999)ĪPY for initial deposit ($100,000 and above)ĪPYs as of Nov. If you deposit the same $10,000, you’ll earn $2,166.53 at that rate. Comparatively, Synchrony Bank, an online-only bank, offers 4.00% on its five-year CD. For example, if you deposit $10,000 in a standard five-year CD with a 2.00% APY, you’ll earn $1,040.81 in interest in five years. No matter how much you deposit in a Standard Chase CD, the interest rate and APY are identical - and leave a lot to be desired. If you do have a current Chase checking account and link it to your CD account, you’ll get access to slightly higher APYs with Relationship CDs.Įach CD requires a $1,000 minimum deposit and is subject to an early withdrawal penalty if you withdraw funds before the CD matures, or reaches the end of its term. There are two main categories for Chase’s CDs: Standard and Relationship. If you don’t have a checking account with Chase, you’ll have access to its Standard CD. Terms over 24 months: 365 days’ worth of interest Terms 6 to 24 months: 180 days’ worth of interest Terms less than 6 months: 90 days’ worth of interest

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