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Understanding Chase CD Rates in 2025: What You Really Need to Know

If you’ve recently searched for “Chase CD rate” or best Chase certificate of deposit rates . With inflation still nibbling at your savings and the stock market offering a rollercoaster ride, many people are turning back to Certificates of Deposit (CDs) as a safe, predictable way to grow money.

But then the shock hits: “Why are Chase CD rates so low?

In this article, we’ll break down:

• What CD rates Chase is currently offering
• Why their rates may seem less competitive
• Smart alternatives and how to make the best decision for your savings

What Are Chase CD Rates in 2025?

Certificates of Deposit (CDs) are a safe way to lock in your savings for a fixed period while earning a guaranteed return. Chase CD rates vary depending on whether you’re a new customer or an existing one with a linked Chase checking account, which unlocks higher relationship rates.

Standard vs. Relationship Rates

• Standard Rates: For non-Chase checking account holders, the standard Annual Percentage Yield (APY) is a dismal 0.01% across all terms, regardless of deposit size. This is significantly lower than the national average for CDs, which hovers around 1.81% for a six-month term.
• Relationship Rates: If you link a Chase personal checking account, you can access tiered relationship rates, which are more competitive but still lag behind online banks. For example, Chase’s best CD rate is for a 2-month term, offering up to 4.0% APY with a $100,000 minimum deposit. Shorter terms like 3-month and 12-month CDs also offer competitive rates, but only for high-balance tiers.

Term Lengths and Minimum Deposits

Chase provides a wide range of CD terms, from 1 month to 10 years, giving you flexibility to align with your financial goals. However, you’ll need at least $1,000 to open a CD, which is standard but higher than some competitors offering $0 or $500 minimums.Here’s a quick snapshot of Chase certificate of deposit rates for select terms (relationship rates, as of May 2025):

• 2-month CD: Up to 4.0% APY ($100,000+ deposit)
• 3-month CD: 2.0–3.0% APY (varies by deposit amount)
• 12-month CD: 1.5–2.25% APY ($100,000+ deposit)
• Longer terms (e.g., 5–10 years): Often below 1.0% APY, even for relationship customers

Note: Rates may vary by region, so check with Chase for the most accurate figures in your area.

Why Are Chase CD Rates So Low?

If you’ve been Googling “why are Chase CD rates so low,” you’re not alone. Many savers are frustrated by Chase’s lackluster returns, especially when compared to online banks offering APYs of 4–5% or higher. Here’s why Chase’s rates fall short:

1. Big Bank Overhead: As one of the largest banks in the U.S., Chase operates thousands of branches and ATMs, which come with high operational costs. These expenses often lead to lower interest rates on deposit accounts like CDs and savings. Online-only banks, like Ally or Marcus by Goldman Sachs, avoid these costs and pass the savings to customers through higher APYs.
2. Focus on Convenience: Chase prioritizes accessibility and customer service, with over 4,700 branches and 15,000 ATMs nationwide. For customers who value in-person banking or keeping all accounts under one roof, Chase CDs are a convenient choice, even if the rates aren’t the highest.
3. Relationship Rate Dependency: Chase reserves its best rates for loyal customers with linked checking accounts. Without one, you’re stuck with the 0.01% APY standard rate, which is practically negligible. Even relationship rates don’t always compete with top online banks.
4. Economic Factors: CD rates are influenced by the federal funds rate, inflation, and market dynamics. With the Federal Reserve expected to cut rates in 2025, banks like Chase may lower CD rates further to align with the economic environment.

What Is the Best CD Rate at Chase Bank?

For those set on banking with Chase, the best CD rate is currently the 2-month CD at 4.0% APY, but there’s a catch: you need a $100,000 minimum deposit and a linked Chase checking account to qualify. This makes it less accessible for the average saver. For smaller deposits ($1,000–$9,999), the APY drops significantly, often below 2.0%.If you’re a Chase Private Client Checking customer,

you can also explore CD ladders, which combine multiple terms (e.g., 1, 2, 3, and 4 months or 3, 6, 9, and 12 months) to balance liquidity and returns. However, even these specialized products don’t match the yields of online banks.

Pros and Cons of Chase CDs

Pros

• Wide Range of Terms: From 1 month to 10 years, Chase offers flexibility to suit short- or long-term savings goals.
• FDIC Insurance: Your deposits are insured up to $250,000 per depositor, ensuring safety.
• Relationship Benefits: Higher APYs for customers with linked checking accounts, especially for high-balance tiers.
• Convenient Access: Open CDs online if you’re an existing Chase customer, or visit one of thousands of branches.
• Daily Compounding: Interest compounds daily, slightly boosting your earnings over time.

Cons

• Low Standard Rates: Non-relationship rates are a measly 0.01% APY, far below the national average.
• High Minimum Deposit: $1,000 is required to open a CD, which may be a barrier for some.
• Early Withdrawal Penalties: Penalties range from 90 days to 365 days of interest, depending on the term, making early access costly.
• Better Rates Elsewhere: Online banks like Community Wide Federal Credit Union offer APYs as high as 5.30%, dwarfing Chase’s offerings.

How to Open a Chase CDReady to explore Chase Bank CD interest rates?

Here’s how to get started:

1. Check Eligibility: If you have a Chase checking account, you can open a CD online. Otherwise, schedule an appointment with a banker at a local branch.
2. Gather Documentation: You’ll need a U.S. ID, Social Security number, and proof of address. Non-U.S. citizens can use a Matricula Consular or foreign passport.
3. Deposit at Least $1,000: Choose your term and deposit amount, keeping in mind that higher deposits unlock better rates.
4. Understand Penalties: Early withdrawals incur penalties (90–365 days of interest), so ensure you can commit to the term.
5. Monitor Maturity: You have a 10-day grace period post-maturity to withdraw funds or adjust terms; otherwise, the CD auto-renews.

Final Thoughts: Are Chase CDs Worth It?

While Chase CD rates offer convenience and safety, they fall short for savers seeking high returns. The best CD rate at Chase Bank—4.0% APY for a 2-month term with a $100,000 deposit—is competitive for a brick-and-mortar bank but pales compared to online banks and credit unions. If you’re wondering why are Chase CD rates so low,

it’s largely due to their operational costs and focus on existing customers .For U.S. savers looking to grow their money in 2025, compare rates across banks to ensure you’re getting the best deal. If convenience is king, Chase might work for you. But if you want to maximize your earnings, explore high-yield CDs or savings accounts from online institutions. Ready to take control of your savings? Visit Chase.com or check out competitors like Ally or Marcus for better rates today!

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Picture this: you’re at the dealership, keys to your dream car in hand, grinning ear to ear. But then the finance guy slides a stack of papers your way, and suddenly, you’re drowning in terms like APR, interest rates, and loan terms. That was me last year, signing a deal without fully understanding car loan rates. Spoiler alert: I overpaid. Big time. If you’re wondering, “What’s a good APR for a car?” or “Am I getting ripped off?”—this post is for you. Let’s dive into the world of car loan rates and save you from the same mistake.

What Are Car Loan Rates and Why Do They Matter?

Car loan rates are the interest rates lenders charge you to borrow money to buy a car. These rates can vary widely depending on factors like your credit score, the type of car (new or used), and the lender’s terms. The two main ways you’ll see these rates expressed are as the interest rate and the APR. The APR includes the interest rate plus any fees, giving you a clearer picture of the total cost.

If you’re asking, “What is a good APR for a car loan?” or “What is a good interest rate for a car?”, you’re not alone. These are common questions because the answer can directly affect your monthly payments and total loan cost.

Average Used Car Loan Interest Rate and What to Expect

On average, used car loan interest rates tend to be higher than new car loans. As of recent data, the average used car loan interest rate hovers around 8% to 10%, but this can fluctuate based on your credit score and market conditions. For example, if you have excellent credit, you might qualify for rates as low as 3% to 5%, while those with lower credit scores might see rates above 12% or more.

The average APR for a car loan, which factors in fees and interest, usually sits a bit higher than the interest rate alone. So, if you see a loan offer with a 6% interest rate but a 7% APR, that extra 1% accounts for lender fees and other costs.

What Is a Good APR for a Car Loan?

A good APR (Annual Percentage Rate) for a car loan depends mostly on your credit score. Here’s a rough breakdown based on recent U.S. averages:

• Excellent Credit (750+): 3.5% – 5.0%
• Good Credit (700–749): 5.1% – 7.0%
• Fair Credit (650–699): 7.1% – 10.5%
• Poor Credit (<649): 10.6% and up

If your rate is higher than average, lenders are probably treating you as a high-risk borrower. And that’s not always fair — especially if you haven’t missed a payment in years. You can shop around and often get a better offer by comparing banks, credit unions, or online lenders instead of just taking the dealership’s offer

Auto Loan Rates by Credit Score: What to Know Before You Apply

Here’s the deal: your auto loan rate by credit score can make or break your budget. If your score is under 650, you're looking at rates over 10%. That could mean paying $3,000+ in interest on a $20,000 loan.

Tip: Always get pre-approved before stepping into a dealership. It gives you a clear picture of your options and keeps you from being upsold on bad financing.

How to Find a Good Car Loan Rate: Tips and Tricks

1. Check Your Credit Score First: Knowing your credit score helps you set realistic expectations.

2. Shop Around: Don’t settle for the first offer. Compare rates from banks, credit unions, and online lenders.

3. Consider Loan Terms: Shorter loan terms usually have lower APRs but higher monthly payments.

4. Negotiate: Sometimes lenders are willing to negotiate rates, especially if you have a strong credit profile.

5. Look for Special Offers: Some dealers offer promotional rates on new cars, sometimes as low as 0% APR.

Final Thoughts

So, what is a good interest rate for a car loan? One that doesn’t punish you just for not knowing better. Use the average APR benchmarks above as your guide. Don’t settle for the first offer. Always compare at least three lenders. Ask questions. And if the rate seems off — it probably is.

Are you searching for a credit card that actually works for you—without the headaches? The FNBO Visa is making waves, but is it the right fit for your wallet? Whether you’re hunting for a new rewards card, want to make your Orvis credit card payment, or just want to know if the Bank of Omaha credit card is really worth it, you’re in the right place. Let’s break down everything real users are asking—without the jargon.

What Is FNBO? The Bank Behind the Buzz

First things first: FNBO stands for First National Bank of Omaha. This isn’t some fly-by-night operation. FNBO has been around since 1857, serving millions of customers across the U.S. Their credit cards, especially the FNBO Visa, are gaining attention for their solid rewards, no annual fees, and user-friendly features.

Why Are People Talking About FNBO Visa?

• Unlimited 2% cash back on every purchase with the Evergreen® by FNBO Credit Card.
• No annual fee—ever.
• $200 bonus after spending $1,000 in the first three billing cycles.
• Contactless payments and 24/7 fraud monitoring.
• Free FICO® Score every month to keep you on track.

If you’re tired of complicated rewards programs, FNBO keeps it simple. You earn points on every purchase, and those points never expire. Redeem them for cash back, travel, or gift cards—no hoops to jump through.

Is FNBO a Good Credit Card? Real Talk, Real Reviews

Let’s be honest: there are a ton of credit cards out there. So, is the FNBO Visa actually good? Here’s what real users and experts are saying:

• Solid rewards: The FNBO credit card offers a flat 2% back, which is rare for a no-fee card.
• Easy approval: FNBO accepts applications from most U.S. states, though there may be some geographic restrictions.
• Simple to use: No confusing categories or rotating rewards.
• Strong security: Card lock/unlock, fraud alerts, and digital wallet support.

But, like any card, it’s not perfect. Some users report lower credit limits or spending caps, especially during uncertain times. And while FNBO is a reputable bank, it’s not as widely recognized as giants like Chase or Citi—so you might not see as many flashy perks.

How Does FNBO Compare to Other Cards?

Is FNBO Down? What to Do If You Can’t Access Your Account

Worried about making your Orvis credit card payment or checking your FNBO credit card balance? Outages happen, but FNBO is known for reliable service. You can always check real-time status on platforms like Downdetector. If you run into issues, try:

• Using the FNBO mobile app or website.
• Calling customer service for help.
• Double-checking your internet connection.

Most disruptions are short-lived, and FNBO’s support team is quick to respond.

Who Should Get the FNBO Visa?

• Everyday spenders who want simple, unlimited cash back.
• Travelers who value no annual fee and flexible rewards.
• Shoppers looking for a reliable card for Orvis purchases or general spending.
• Anyone rebuilding credit—FNBO also offers secured cards to help you get started.

Pro Tips Before You Apply

• Always pay your balance in full to avoid high interest rates.
• Avoid unverified payment sites—use FNBO’s official portal for Orvis credit card payments.
• Compare with cards from BYDFi, Binance, or your favorite bank to make sure you’re getting the best deal.

Final Thoughts: Should You Get the FNBO Visa?

If you want a no-nonsense rewards card with real value, the FNBO Visa is a top contender. It’s easy to use, offers great cash back, and comes from a trusted U.S. bank. But don’t just take my word for it—compare, research, and choose what fits your lifestyle.

Ready to take control of your spending? Check out FNBO’s card options and see if you pre-qualify—no impact to your credit score!