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Chase Bank Rates & Review October 2026

Q: How many branches does Chase Bank operate?

Chase Bank currently maintains approximately 5,394 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Chase Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Chase Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Chase Bank's top rates as of October 13, 2026 are auto loans from 6.24% APR, and credit cards from 18.49% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Chase Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.68%. Rates last updated and verified on 10/13/2026.

Chase Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Chase Bank? Share your experience about Chase Bank by leaving a review below, or read customer reviews before you decide to use Chase Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.68%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

JPMorgan Chase Bank, National Association

1111 Polaris Pkwy
Columbus, OH 43240

https://www.chase.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Chase Bank Auto Loan Rates

Product	Rate	Points	APR	Term
New car purchase Loan	-	-	6.24%	60 months
No additional details. Last Updated 10/07/2026 Rate History 3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94% Oct 2, 20266.24%▲ from 6.14% Sep 27, 20266.14%▲ from 6.04% Sep 18, 20266.04%▲ from 5.94% Sep 14, 20265.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.68%
New car rate Loan	-	-	6.24%	60 months
Details For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0 Last Updated 10/07/2026 Rate History 3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94% Oct 2, 20266.24%▲ from 6.14% Sep 27, 20266.14%▲ from 6.04% Sep 18, 20266.04%▲ from 5.94% Sep 14, 20265.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.68%
Used car purchase Loan	-	-	6.29%	60 months
No additional details. Last Updated 10/07/2026 Rate History 3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99% Oct 2, 20266.29%▲ from 6.19% Sep 27, 20266.19%▲ from 6.09% Sep 18, 20266.09%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.68%
Used car rate Loan	-	-	6.29%	60 months
Details For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0 Last Updated 10/07/2026 Rate History 3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99% Oct 2, 20266.29%▲ from 6.19% Sep 27, 20266.19%▲ from 6.09% Sep 18, 20266.09%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.68%

Chase Bank Credit Card Rates

Product	Rate	APR
Chase Freedom Flex Credit Card	-	18.49%
Details Published APR range: 18.49 %- 27.99 %. 0% intro APR for 15 months from account opening on purchases and balance transfers. After the intro period, a variable APR of 18.49 %- 27.99 %. Balance transfer fee applies, see pricing and terms for more details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 18.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.68%
Chase Freedom Rise Credit Card	-	18.49%
Details Published APR range: 18.49 %- 27.99 %. Best for New to Credit & Students. Having at least $250 in Chase checking or savings accounts increases your chances of being approved. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 18.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.68%
Chase Freedom Unlimited Credit Card	-	18.49%
Details Published APR range: 18.49 %- 27.99 %. 0% intro APR for 15 months from account opening on purchases and balance transfers. After the intro period, a variable APR of 18.49 %- 27.99 %. Balance transfer fee applies, see pricing and terms for more details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 18.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.68%
Disney Inspire Visa Card	-	18.49%
Details Published APR range: 18.49 %- 27.99 %. $149. 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 18.49 %- 27.99 %. Earn 10% in Disney Rewards Dollars on purchases made directly at DisneyPlus.com, Hulu.com or Stream.ESPN.com, 3% on card purchases at gas stations and most other U.S Disney locations, 2% on card purchases at grocery stores and restaurants, and 1% on all other card purchases. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 18.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.68%
Disney Premier Visa Card	-	18.49%
Details Published APR range: 18.49 %- 27.99 %. $49. 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 18.49 %- 27.99 %. Earn 5% in Disney Rewards Dollars on purchases made directly at DisneyPlus.com, Hulu.com or Stream.ESPN.com. Earn 2% on select card purchases and 1% on all other card purchases. Redeem toward most anything Disney at most Disney U.S. locations and for a statement credit toward airline purchases. Terms apply. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 18.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.68%
Disney Visa Card	-	18.49%
Details Published APR range: 18.49 %- 27.99 %. $0. 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 18.49 %- 27.99 %. Redeem Disney Rewards Dollars toward your favorite Disney experiences such as Disney Theme Park Tickets, Resort stays, shopping, dining, and more in the U.S. There are no block-out dates when redeeming Rewards Dollars. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 18.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.68%
DoorDash Rewards Mastercard	-	18.49%
Details Published APR range: 18.49 %- 27.99 %. $0. Earn 4% cash back on DoorDash and Caviar orders, 3% cash back on dining when purchased directly from a restaurant, 2% cash back on grocery stores online or in-store and 1% on all other purchases. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 18.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.68%
Instacart Mastercard	-	18.49%
Details Published APR range: 18.49 %- 27.99 %. $0. Earn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually, 5% cash back on Chase Travel purchases, and 2% cash back on restaurants, gas stations, and on select streaming services. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 18.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.68%
Slate Credit Card	-	18.49%
Details Published APR range: 18.49 % to 28.49 %. 0% intro APR for 21 months from account opening on purchases and balance transfers. After the intro period, a variable APR of 18.49 % to 28.49 %. Balance transfer fee applies, see pricing and terms for more details. Zero Liability Protection Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 18.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.68%
United Business Credit Card	-	19.99%
Details Published APR range: 19.99 %- 28.49 %. $150 Annual Fee. 2 United Club one-time passes each year, a free first checked bag, and over $600 in annual partner credits. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 19.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.68%
United Explorer Credit Card	-	19.99%
Details Published APR range: 19.99 %- 28.49 %. 0% intro annual fee for the first year, then $150. Free first checked bag, 2 United Club one-time passes per year, Group 2 priority boarding and over $500 in annual partner credits. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 19.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.68%
United Gateway Credit Card	-	19.99%
Details Published APR range: 19.99 %- 28.49 %. 0% intro APR for 12 months from account opening on purchases. After the intro period, a variable APR of 19.99 %- 28.49 %, see pricing and terms for more details. Earn 2 checked bags each year, receive 25% back on United inflight and Club premium drink purchases, and earn unlimited miles with no annual fee. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 19.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.68%

Chase Bank Other Rates

Product	Rate	Points	APY/APR	Term
Air Canada Aeroplan Card Loan	-	-	19.99%
Details Published APR range: 19.99 %- 28.49 %. $195. Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 40,000 bonus points after you spend $20,000 on purchases in the first 12 months. Enjoy automatic Aeroplan Elite Status. Earn up to 5X total points on purchases made directly with Air Canada and 3X points on travel purchases. Plus, up to $100 in annual Air Canada statement credits. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 19.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.68%
United Gateway Card Loan	-	-	19.99%	12 months
Details Published APR range: 19.99 %- 28.49 %. 0% intro APR for 12 months from account opening on purchases. After the intro period, a variable APR of 19.99 %- 28.49 %, see pricing and terms for more details. Earn 2 checked bags each year, receive 25% back on United inflight and Club premium drink purchases, and earn unlimited miles with no annual fee. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 19.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.68%
United Quest Card Loan	-	-	19.99%
Details Published APR range: 19.99 %- 28.49 %. $350. $200 United travel credit, annual 10,000-mile award flight discount, 2 free checked bags, and Group 2 priority boarding. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 19.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.68%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Chase Bank’s Texas Ratio stayed near 3.22% in Q3 2023 to 3.68% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$4,091.3B	3.68%	5.0	A+
March 31, 2026	$4,016.6B	3.94%	5.0	A+
December 31, 2025	$3,752.7B	3.96%	5.0	A+
September 30, 2025	$3,813.4B	4.13%	5.0	A+
June 30, 2025	$3,788.6B	4.03%	5.0	A+
March 31, 2025	$3,643.1B	3.75%	5.0	A+
December 31, 2024	$3,459.3B	3.96%	5.0	A+
September 30, 2024	$3,584.1B	3.63%	5.0	A+
June 30, 2024	$3,510.5B	3.47%	5.0	A+
March 31, 2024	$3,503.4B	3.53%	5.0	A+
December 31, 2023	$3,395.1B	3.35%	5.0	A+
September 30, 2023	$3,385.6B	3.22%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Chase Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Chase Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Chase Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Chase Bank

Bank Holding Company JPMORGAN CHASE&CO

Address 1111 Polaris Pkwy, Columbus, OH 43240 · Delaware

Website https://www.chase.com

FDIC Certificate # 628

Established 18240101

FDIC Insurance Date 19340101

Domestic Offices 5,176

Total Branches 5,394

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.68%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5852%

Return on Equity (ROE) 18.5500%

Non-Performing Loans (NPL) 0.59%

Total Assets $2,147,483,647,000

Total Deposits $2,147,483,647,000

Equity Capital $341,580,000,000

Net Income $31,335,000,000

Headquarters Columbus

Total Branches and Offices 5374

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Chase Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Chase Bank

How many branches does Chase Bank operate?

Chase Bank currently maintains approximately 5,394 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Chase Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Chase Bank provides members with tools to manage their accounts and build a solid financial history.

Does Chase Bank offer online and mobile banking?

Most modern institutions like Chase Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.chase.com.