Bank Reviews

Chase Bank Reviews, Rates: CDs, Savings, Money Market, Mortgages

Chase or formally known as JPMorgan Chase & Co., is practically a legend among the nation’s banks. It is the largest and one of the best-known financial institutions in the world. JPMorgan Chase & Co. dates back to 1799 and has more than 50 locations worldwide. Chase actively works to assist those with disabilities and provides talking ATMs and raised-line checks for the visually impaired.

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Chase continuously steps up to the plate by offering more than 16,100 ATM locations nationwide. They employ knowledgeable and eager-to-learn individuals. Just within the second quarter for the year 2011, Chase has already reached $5.4 billion. This figure is seven percent higher above the prior year and six percent over the prior quarter. Since 2009, Chase has raised $200 billion for non-profits and continues to donate to this day.

Review: Chase Bank Services

Checking Accounts: Chase offers checking accounts ideal for any person at any stage of their lives. They have a Student Checking account which is perfect for those who are still in high school or planning to save for college. The Chase Premier Platinum CheckingSM requires a $75,000 minimum balance however the APY is a measly 0.01 percent. The Chase Premier Plus CheckingSM offers the same APY but requires a lower minimum balance of $15,000. The Chase Total CheckingSM is more ideal for the average American since it only requires a $1,500 minimum balance to avoid service charges. The two premier checking accounts have the largest service charges which are $25 but the Chase Total CheckingSM and Student Checking are only $10 and $6, respectfully.

Savings Accounts: The Chase Plus SavingsSM is the only savings account that offers reasonable rates however in order to get these rates, you must have a large investment with Chase. The highest rate Chase offers is with their Chase Plug SavingsSM which is 0.30 percent and with $5,000,000 or more invested. The Chase SavingsSM and Chase Retirement Money Market Account offer 0.01 percent.

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Chase Bank offers competitive CD rates for those who are able to commit funds for a specified time frame. For all CD rates to be effective, a $1,000 minimum opening deposit is required. The only qualification in order to redeem these rates is to open a Chase checking account.

Chase Bank – California – CD Rates as of 6/29/2011:

6-Month term – 0.20% APY
12-Month term – 0.25% APY
18-Month term – 0.50% APY
24-Month term – 0.50% APY
36-Month term – 1.01% APY

Chase Bank – California – Special CD Rates as of 6/29/2011:

9-Month term – 0.35% APY
13-Month term – 0.50% APY
24-Month term – 0.85% APY
30-Month term – 1.01% APY
48-Month term – 1.25% APY
60-Month term – 2.00% APY

TermsTo qualify for Special CD rates, a $10,000 minimum opening deposit is required. CD Special interest rates apply only to the initial CD term. Penalties may apply to early withdrawals.

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Chase Bank offers various savings accountsto help with any savings goal. Many features are included such as access to more than 16,100 Chase ATMS in the U.S., free online statements and e-mail alerts, Automatic Savings Program, and the ability to waive service fees.

Chase Savings – California – as of 6/29/2011

  • $25 Minimum Initial Deposit
  • Interest is compounded and credited monthly based on the daily ledger balance
  • Savings withdrawal limit fee: $12/transaction over limit of 6
  • $5 monthly service fee – waived with $300 minimum daily balance, by participating in the Automatic Savings Program or saver is under 18 years of age

Chase Savings – California Rates – as of 6/29/2011

  • All balances – 0.01% – 0.01 APY

Chase Plus Savings – California – as of 6/29/2011

  • $100 Minimum to Open
  • Interest is compounded and credited monthly – for relationship vs. non-relationship rates, click here
  • Savings withdrawal limit fee: $12/transaction over limit of 6
  • $20 monthly service fee – only applies if account is not linked or minimum balance is not met

Chase Plus Savings – California Relationship Rates – as of 6/29/11

  • $0-$9,999 – 0.10% – 0.10% APY
  • $10,000-$24,999 – 0.15% – 0.15% APY
  • $25,000-$49,999 – 0.30% – 0.30% APY
  • $50,000-$99,999 – 0.30% – 0.30% APY
  • $100,000-$249,999 – 0.30% – 0.30% APY
  • $250,000-$499,999 – 0.30% – 0.30% APY
  • $500,000-$999,999 – 0.30% – 0.30% APY
  • $1,000,000-$4,999,999 – 0.30% – 0.30% APY
  • $5,000,000+ – 0.30% – 0.30% APY

Chase Plus Savings – California Standard Rates – as of 6/29/11

  • $0-$9,999 – 0.05% – 0.05% APY
  • $10,000-$24,999 – 0.05% – 0.05% APY
  • $25,000-$49,999 – 0.10% – 0.10% APY
  • $50,000-$99,999 – 0.10% – 0.10% APY
  • $100,000-$249,999 – 0.10% – 0.10% APY
  • $250,000-$499,999 – 0.10% – 0.10% APY
  • $500,000-$999,999 – 0.10% – 0.10% APY
  • $1,000,000-$4,999,999 – 0.30% – 0.30% APY
  • $5,000,000+ – 0.30% – 0.30% APY

TermsAutomatic Savings Program requires a repeating, monthly automatic transfer of $25 or more, from your Chase checking account to your Chase savings account.

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Chase Bank offers a Retirement Money Market Account with features such as the free Automatic Savings Program and the ability to waive monthly services fees on select checking accounts with the balance of the money market account.

Chase Retirement Money Market Account – California – as of 6/29/2011

  • $100 Minimum Initial Deposit
  • Interest rate is tiered and variable
  • Interest is compounded and credited monthly based on the daily ledger balance
  • Interest earned is paid monthly on the anniversary of issue
  • Transaction fees include $50 Trustee-to-Trustee Fee and $30 IRA Annual Fee

Chase Retirement Money Market Account – California Rates – as of 6/29/2011

  • $0-$9,999 – 0.01% – 0.01% APY
  • $10,000-$49,999 – 0.01% – 0.01% APY
  • $50,000+ – 0.01% – 0.01% APY

TermsThe IRS limits the amount you can contribute to your retirement account each year. Certain retirement money market account balances are excluded. Account fees may reduce earnings.

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Chase Bank offers unique products and services – one of them being the personalized customer service one can receive when applying for amortgage. Chase Bank also offers a quick and easy rate calculator on their website.

The rates shown below are advertised for the states of: California, New York, New Jersey, and Pennsylvania.

Chase Bank – California and New Jersey: Fixed-Rated Mortgage Rates – as of 6/30/2011

  • 30-yr fixed – 4.750% Interest Rate – 4.859% APR
  • 15-yr fixed – 3.750% Interest Rate – 3.933% APR

Chase Bank – New York: Fixed-Rated Mortgages Rates – as of 6/30/11

  • 30-yr fixed – 4.750% – 4.848% APR
  • 15-yr fixed – 3.750% – 3.915% APR

Chase Bank – Pennsylvania: Fixed-Rated Mortgages Rates – as of 6/30/11

  • 30-yr fixed – 4.750% Interest Rate – 4.837% APR
  • 15-yr fixed – 3.750% Interest Rate – 3.897% APR

Chase Bank – California and New Jersey: Adjustable Rate Mortgages (ARM) Rates – as of 6/30/11

  • 7/1 ARM – 3.750% Interest Rate – 3.423% APR
  • 5/1 ARM – 3.250% Interest Rate – 3.156% APR

Chase Bank – New York: Adjustable Rate Mortgages (ARM) Rates – as of 6/30/11

  • 7/1 ARM – 3.750% Interest Rate – 3.412% APR
  • 5/1 ARM – 3.250% Interest Rate – 3.146% APR

Chase Bank – Pennsylvania: Adjustable Rate Mortgages (ARM) Rates – as of 6/30/11

  • 7/1 ARM – 3.625% – 3.373% APR
  • 5/1 ARM – 3.125% – 3.122% APR

Chase Bank goes off Assumptions when it deals with refinance rates. These Assumptions include:

  • Conforming loan amounts of $215,000 to $300,000.
  • Single family residence.
  • Refinance loan.
  • Loan to Value of 80%.
  • Rate lock period of 60 days.
  • Borrower profile with excellent credit.

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