Chase Saving Account Interest Rate

As of September 2025, Chase Bank offers two primary savings account options the standard Chase Savings℠ account and the Chase Premier Savings℠ account. Both accounts provide interest on your deposits, but the rates and features differ between the two. Understanding these differences can help you choose the account that best aligns with your financial goals.

Chase Savings℠ Account

The Chase Savings℠ account is designed for individuals seeking a straightforward savings option with easy access to their funds. This account offers a variable interest rate, which is compounded and credited monthly based on the daily collected balance. As of September 5, 2025, the interest rate for this account is 0.01% APY. It’s important to note that interest rates are subject to change and may vary by market.

Key Features

• Monthly Service Fee$5, which can be waived by meeting one of the following criteria
  • Maintain a daily balance of $300 or more in your account.
  • Link to a Chase Premier Plus Checking℠ account.
  • Set up a monthly automatic transfer of at least $25 from a Chase checking account.
  • Link to a Chase College Checking℠ account for overdraft protection.
  • Be under age 18.
• Minimum DepositNone required to open the account.
• AccessFunds are accessible through over 15,000 ATMs and 5,000 branches nationwide.
• FDIC InsuredDeposits are insured up to the maximum allowed by law.

Chase Premier Savings℠ Account

The Chase Premier Savings℠ account offers a slightly higher interest rate compared to the standard savings account. To earn the higher relationship rate, you must link the account to a Chase Premier Plus Checking℠ or Chase Sapphire® Checking account and initiate at least five transactions per monthly statement period using the linked account. Without meeting these criteria, the standard rate applies.

Key Features

• Interest RateThe relationship interest rate is 0.02% APY, while the standard rate is 0.01% APY. Rates are subject to change and may vary by market.
• Monthly Service Fee$25, which can be waived by
  • Maintaining a daily balance of $15,000 or more in your account.
  • Linking to a Chase Premier Plus Checking℠ or Chase Sapphire® Checking account.
• Minimum DepositNone required to open the account.
• AccessFunds are accessible through over 15,000 ATMs and 5,000 branches nationwide.
• FDIC InsuredDeposits are insured up to the maximum allowed by law.

Comparison of Chase Savings Accounts

To help you compare the two Chase savings account options, here’s a side-by-side overview

Considerations When Choosing a Chase Savings Account

When deciding between the Chase Savings℠ and Chase Premier Savings℠ accounts, consider the following factors

• Interest RatesThe Chase Premier Savings℠ account offers a higher interest rate, but only if you meet the criteria for the relationship rate. If you don’t meet these criteria, the standard rate applies.
• Monthly Service FeesBoth accounts have monthly service fees, but they can be waived by meeting certain requirements. Ensure you can meet these requirements to avoid fees.
• Access to FundsBoth accounts provide access to a large network of ATMs and branches, making it convenient to access your funds.
• Linked AccountsThe Chase Premier Savings℠ account requires linking to a qualifying checking account to earn the higher interest rate. Consider whether you’re willing to open and maintain a linked checking account.

Chase offers two savings account options with varying interest rates and features. The Chase Savings℠ account is suitable for individuals seeking a straightforward savings option with easy access to funds. The Chase Premier Savings℠ account offers a higher interest rate, but requires meeting certain criteria to earn the relationship rate. Carefully consider your financial goals and preferences to choose the account that best aligns with your needs.