Open a Chase Certificate of Deposit Account

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Book your Chase CD account today!" /> <link rel="canonical" href="https://www.chase.com/personal/savings/bank-cd"/> <link rel="alternate" hreflang="en" href="https://www.chase.com/personal/savings/bank-cd"/> <link rel="alternate" hreflang="es" href="https://www.chase.com/es/personal/savings/bank-cd"/> <meta content="app-id=298867247, affiliate-data=JPMorganChase" name="apple-itunes-app"> <title>Open a Chase Certificate of Deposit Account | Chase.com</title> <link rel="stylesheet" href="/c/111324/etc/designs/chase-ux/css/blue-ui.min.css" type="text/css"> <link rel="stylesheet" href="/c/111324/etc/designs/chase-ux/css/site.min.css" type="text/css"> <script type="text/javascript" src="https://www.chase.com/assets/851da5631d0031d96d1633f0b2a533e4f0014182b57" ></script><script>(function(e){"use strict";e.picturefill=function(){var t=e.document.getElementsByTagName("span");for(var n=0,r=t.length;n<r;n++){if(t[n].getAttribute("data-picture")!==null){var i=t[n].getElementsByTagName("span"),s=[];for(var o=0,u=i.length;o<u;o++){var a=i[o].getAttribute("data-media");if(!a||e.matchMedia&&e.matchMedia(a).matches){s.push(i[o])}}var f=t[n].getElementsByTagName("img")[0];if(s.length){var l=s.pop();if(!f||f.parentNode.nodeName==="NOSCRIPT"){f=e.document.createElement("img");f.alt=t[n].getAttribute("data-alt")}else if(l===f.parentNode){continue}f.src=l.getAttribute("data-src");l.appendChild(f);f.removeAttribute("width");f.removeAttribute("height")}else if(f){f.parentNode.removeChild(f)}}}};if(e.addEventListener){e.addEventListener("resize",e.picturefill,false);e.addEventListener("DOMContentLoaded",function(){e.picturefill();e.removeEventListener("load",e.picturefill,false)},false);e.addEventListener("load",e.picturefill,false)}else if(e.attachEvent){e.attachEvent("onload",e.picturefill)}})(this)</script> <script src="/c/111324/etc/designs/chase-ux/clientlibs/jquery/js/jquery.min.js"></script> <script src="/c/111324/etc/designs/chase-ux/clientlibs/require/js/require.min.js"></script> <script>var tagManagerConfig = { tagServer: "https://www.chase.com" };</script> <script>var analyticsLiteConfig = { svcDomain: "https://secure.chase.com" };</script> <script src="/apps/chase/clientlibs/foundation/scripts/Reporting.js"></script> <script>  document.addEventListener('DOMContentLoaded', function(event){CHASE.analytics.disablePageLevelReporting();}); 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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 <a class="chaseanalytics-track-link regular-link " data-pt-name="rb_lnk_faq-calc-rates" href="https://www.chase.com/personal/branch-disclosures">Deposit Account Agreement and rate sheet</a> for further details.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#_withdrawal-fees" content-link data-link="withdrawal-fees" data-pt-name="withdrawal-fees" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Are there early withdrawal fees or penalties associated with a Chase CD?</b></h3> </span> <span class="accessible-text accordian"> </span> </button> <section id="_withdrawal-fees" class="accordians__inner--content__buttons--desc"> <p>There is a penalty for withdrawing principal prior to the maturity date. For Personal CDs:</p> <p> </p> <ul> <li>If the term of the CD is less than 6 months, the early withdrawal penalty is 90 days of interest on the amount withdrawn, but not more than the total amount of interest earned during the current term of the CD.</li> <li>If the term of the CD is 6 months to less than 24 months, then the early withdrawal penalty is 180 days of interest on the amount withdrawn, but not more than the total amount of interest earned during the current term of the CD.</li> <li>For terms 24 months or more, the early withdrawal penalty is 365 days of interest on the amount withdrawn, but not more than the total amount of interest earned during the current term of the CD.</li> <li>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. We may not permit withdrawals if funds have not been credited to the account.</li> <li>The amount of your penalty will be deducted from principal.</li> </ul> <p>See the <a class="chaseanalytics-track-link regular-link " data-pt-name="rb_lnk_faq-fees-rates" href="https://www.chase.com/personal/branch-disclosures">Deposit Account Agreement and rate sheet</a> for further details</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#_upon-maturity" content-link data-link="upon-maturity" data-pt-name="upon-maturity" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>What does it mean when my Chase CD matures?</b></h3> </span> <span class="accessible-text accordian"> </span> </button> <section id="_upon-maturity" class="accordians__inner--content__buttons--desc"> <p>The maturity date is the last day of your CD’s term. The grace period begins the following day and lasts for 10 days – this is when you can make changes to your CD. Go to <a class="chaseanalytics-track-link regular-link " data-pt-name="lnk_svgs_maturity" href="https://www.chase.com/personal/savings/bank-cd/maturity">chase.com/cdmaturity</a> to learn more about what options you have when your CD matures.</p> </section> </div> </section> </div> </div> </div> </div> </div> </div> </div> </div> <div id="get-started" class="scroll-tracking" data-scroll-tracking-module-name="/content/chase-ux/en/structured/module/bucket2/personal/savings/cd-get-started"> <div class="module bucket2"><div class="module-bucket module-bucket--2col bucket default divider"> <div class="feature-container row"> <div class="module-bucket__content--heading col-xs-12"> <div class="module-bucket__content--heading__title"><h2 style="text-align: center;">Let's get started</h2> </div> </div> <div id=cfb3a4f4-7a09-4e9a-bccf-667f7a469344 class="module-bucket--tiles row"> <div class="module-bucket--tile col-lg-6 col-med-6 col-sm-6 col-xs-12"> <div class="module-bucket--tile__container"> <div class="module-bucket--tile__image-title-wrapper"> <div class="module-bucket--tile__inner row center"> </div> </div> <div class="module-bucket--tile__inner row center"> <div class="module-bucket--tile__text col-xs-12"> <div class="module-bucket--tile__desc"> <p style="text-align: center;">Existing Chase checking customers can open a CD online.</p> </div> <div class="module-bucket--tile__action"> <div class="module-bucket--tile__action-link"></div> <div class="module-bucket--tile__btn"></div> <div class="module-bucket--tile__btn"> <a class="btn cta cta--btn-green-aloe cta--large chaseanalytics-track-link" href="https://secure.chase.com/web/oao/application/retail?cfgCode=030CDS&zipCode=&eCouponCode=#/origination/index/index" data-pt-name="consumer_btn_open"> Open a CD</a> </div> <div class="module-bucket--tile__action-link"></div> <div class="module-bucket--tile__btn"></div> </div> <div class="module-bucket--tile__cta"> </div> </div> </div> </div> </div> <div class="module-bucket--tile col-lg-6 col-med-6 col-sm-6 col-xs-12"> <div class="module-bucket--tile__container"> <div class="module-bucket--tile__image-title-wrapper"> <div class="module-bucket--tile__inner row center"> </div> </div> <div class="module-bucket--tile__inner row center"> <div class="module-bucket--tile__text col-xs-12"> <div class="module-bucket--tile__desc"> <p style="text-align: center;">Not a Chase checking customer? 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