JPMCommercial BankS&P: A+
Latest JPMorgan Chase Bank Interest Rates - September 2026
JPMorgan Chase Bank, N.A. (JPM)
1-Year CD: 2% Mortgage APR: 6.5% Prime Rate: 6.75%
Interest Rate Summary
JPMorgan Chase Bank Interest Rates & Retail Loan Products Overview
Quick Summary: Official interest rates and consumer financing products published by JPMorgan Chase Bank, N.A. (JPM) across the United States:
Key Benchmark & Deposit Rates:
- Reference Prime Rate: Standing at 6.75%, serving as the benchmark for variable lending products.
- Savings & CDs: Standard Chase Savings APY starts at 0.01%, while Certificate of Deposit (CD) relationship rates range up to 2.00% – 3.70% APY depending on terms and linked checking account status.
Consumer Loans & Financing:
- Mortgage Loans: Standard 30-Year Fixed purchase rates start around 6.500% (approx. 6.699% APR), alongside 15-Year Fixed and 7/6-month ARM options with terms up to 30 years and no prepayment penalties.
- Auto Financing: New car purchase rates start at 5.94% for 60-month terms, with an additional 0.25% discount available for Chase Private Client members.
- Credit Cards: Core consumer cards (such as Chase Freedom Unlimited) feature intro 0% APR periods followed by variable purchase APRs starting at 18.24% (Prime + 11.49%).
💡 Financial Tip: Interest rates and CD APYs vary by regional market and banking relationship tier. Verify your specific zip code and eligibility directly on Chase.com prior to applying.
CD & Savings Interest Rates - JPM
Unit: %/year| Term / Maturity | Branch APY | Online / Digital APY 📱 |
|---|---|---|
| Standard Savings | 0.01% | 0.01% |
| 1 Month | 0.02% | 0.02% |
| 3 Months | 1.5% | 1.5% |
| 6 Months | 0.5% | 0.5% |
| 12 Months (Benchmark ⭐) | 2% | 2% |
| 24 Months | 2% | 2% |
| 36 Months | 2% | 2% |
Featured Loan Products - JPM
Loan Guide & Terms →mortgageJPM
6.5% /yr
- • Promo period: 12 months
- • Max loan term: 30 years
- • Max borrowing limit: 80% of value
- • Formula: SOFR + margin
auto loanJPM
5.94% /yr
- • Max loan term: 6 years
- • Max borrowing limit: 80% of value
personal loanJPM
9.5% /yr
- • Max loan term: 5 years
student loanJPM
6.5% /yr
- • Max loan term: 15 years
Advanced Loan Calculator
Calculate Loan Payments for JPMorgan Chase Bank
Simulate monthly principal and interest payments at 6.5%/yr APR for JPM with detailed amortization schedule and Excel export.
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