Wells Fargo's term lengths are limited, so if you want a term under three months or over two years, Chase is the clear choice. Chase also requires a smaller opening deposit, so it's the better option for anyone who can't afford an initial deposit with Wells Fargo.
You have potential to earn a higher rate with Wells Fargo, though — it all comes down to your term length and balance tier.Like Chase, Bank of America has plenty of term options. Bank of America also pays similar rates, but you might earn a slightly higher rate than you would with Chase, depending on your term length and balance. Like Chase, you'll need at least $10,000 to earn the highest APY with Bank of America.
The two banks' offerings are pretty similar, so your choice between the two might come down to which has a branch closer to your home.
This is terrible advice. Actually, it’s an advertisement for Chase posing as advice. Go to to find the best CD for your needs. Chances are, it won’t be from Chase.
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