# Banks like Chase and Citi are names people know and feel comfortable with.

*fintech · news · 2026-04-07 · Fortune*

## Key points

- Large banks sometimes offer CD rates that rival those of online-only banks.
- Relationship rate bumps may be available for existing customers opening CDs at big banks.
- CDs at large and small banks are equally safe if the institution is FDIC or NCUA insured.
- Big banks frequently change their CD rates, sometimes as often as every few weeks.
- FDIC insurance covers up to $250,000 per account holder per ownership category at each bank.

**Companies:** Chase, Citi, American Express

[Read the full story on Fortune](https://fortune.com/article/major-bank-cd-rates-04-07-2026/)

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