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Certificate of Deposit

Open a Chase Certificate of Deposit

You must be an existing Chase checking customer to open online.

Open a CD account

Answers to the most common questions

What is a Chase CD?


A certificate of deposit, or CD, is a deposit account with us for a specified period of time.

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


  • If the term of the CD is less than 24 months, the early withdrawal penalty is 1% of the amount withdrawn, but not more than the total amount of interest earned during the current term of the CD
  • For terms 24 months or more, the early withdrawal penalty is 2% of the amount withdrawn, but not more than the total amount of interest earned during the current term of the CD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
  • The amount of your penalty will be deducted from principal

See the Deposit Account Agreement and rate sheet for further details

What happens to the Chase CD upon maturity?


The maturity date is the last day of your CD’s term. The grace period is the 10 days after the maturity date for CDs with a term of 14 days or longer. On the maturity date or during the grace period you can change the term of your CD, make additional deposits (for non-retirement CDs only), or withdraw your CD principal without paying an early withdrawal penalty. We will notify you 15 days prior to the maturity date and would recommend discussing your options with your Chase banker.


Automatically renewable CD: An automatically renewable CD will renew on the maturity date for the same term unless we notify otherwise, or you change or close the account


  • Once your CD renews, any reference to the maturity date means the last day of the new term
  • For the renewal term, your CD will earn interest for the term and amount at the CD standard rate unless you qualify for the CD relationship rate
  • If your CD is closed during the grace period, it will not earn interest on or after the maturity date

Find a Chase ATM or branch

To find a Chase ATM or branch near you, tell us a ZIP code or an address.

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