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Chase Bank’s CD interest rates don’t even come close to the current top competitors for best CD rates. While it’s nice that it offers many different term length options, this isn’t what. There are no interest rate tiers here – these rates apply to all balances above the minimum deposit. Yields range from 0.35% APY on the 6-month CD to 0.55% APY on the 36-month. Minimum Deposit: $500 minimum. Special CDs and Rates: Bank5 Connect offers a special Investment CD with a 24-month term. Unlike a regular CD, you can make as many. CDs are available from Chase Bank in 1-month to 120-month term lengths and require a minimum of $1,000 investment. Customers can earn more money with long-term CDs and can get a higher interest rate with Chase’s “relationship rate boost” when they link their CD to their Chase. The Very Best CD Rates and terms at JP Morgan Chase Bank. Certificates of Deposit + savings and checking accounts too. 2 CD Special interest rates apply only to the initial CD term. At the time of renewal, the CD will automatically renew for the same term at the standard (non-special) interest rate in effect on the renewal date. Chase may offer a CD ladder, which is a group of four CDs opened at the same time for the same amount but with different terms. When each CD matures, its term will change to the longest term of the original group. For example, in a 12-month ladder, we will open four CDs with original terms of 3.
Build a Certificate of Deposit (CD) ladder
Find a branch- Overview
- How CD Ladders work
- Account benefits
- Find a branch
- FAQs
Make your savings work harder for your business
A CD ladder allows you to open four CDs at the same time, for the same amount, but maturing at staggered intervals.
Here’s an example for a 12-month CD ladder:
You open four CDs at the same time, with 3-, 6-, 9- and 12-month terms.
When each CD matures, its new term automatically changes to 12 months.
The result is four 12-month CDs, with one maturing every three months.
Design your personalized CD laddering strategy today.
Find a branch
More benefits of a CD ladder
Reliable access to funds
Cash is available at planned intervals to help cover expenses.
Flexibility
CDs that reach maturity can be rolled into a new CD that matches the APY and term of the longest CD or you can use the money.
Peace of mind
You’ll earn a fixed interest rate and have the security of FDIC insurance.
Go to your local branch to get started
Frequently Asked Questions
What is a CD ladder?
open accordionA CD ladder is a group of CDs opened at the same time for the same amount, but with different terms. When each CD matures, its term will change to the longest term of the ladder.
What are the benefits of a CD ladder?
open accordionA CD ladder allows you to earn interest over time and potentially take advantage of rising rates while also providing you with steady access to your money.
What are the term options for a CD ladder?
open accordionWe offer two CD ladders: A 4-month CD ladder made up initially of 1-, 2-, 3- and 4-month term CDs, and a 12-month CD ladder made up initially of 3-, 6-, 9- and 12-month term CDs. Each CD in the ladder receives its own unique account number and CD receipt at account opening.
How do I open a CD ladder?
open accordionCD ladders can be opened by a banker at any branch, but cannot be opened online at this time. All 4 CDs in a ladder are opened at the same time, for the same amount, with a minimum of $1,000 in each CD. CD ladders can be opened only for qualifying Chase Private Client or Business Banking clients.
Will each CD in the ladder renew automatically?
Jp Morgan Chase Cd Interest Rates
open accordionEach CD will automatically renew to the longest term of the ladder (either 4 or 12 months). You'll be reminded of the new term on your CD Maturity Notice, which you'll receive as each CD in the ladder reaches maturity.
Can I add or withdraw money once the CD in a ladder matures?
open accordionYou may add or withdraw money in a CD during the grace period following each CD’s maturity date.
How do interest rates work for CD ladders?
open accordionInterest rates vary based on the account balance at opening or renewal. See the CD ladder section of the Deposit Rate Sheet for the specific interest rate for each CD term in a ladder.
What Is The Best Cd Rate At Chase Bank
Can I change a standard CD to a CD ladder?
Chase 12 Month Cd Special
open accordionWhat Is The Interest Rate On A Cd At Chase Bank
A standard CD cannot be changed to a CD ladder. However, once your CD matures you can choose to withdraw funds from your standard CD and open a CD ladder as a group of 4 CDs.