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.
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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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