Can You Buy CDs on J.P. Morgan?
Accounts at J.P. Morgan Investing can access a large inventory of Certificates of
Deposit (CDs) that are available for trading. During our review, we found
a broad selection of them.
They come from a variety of banks that carry FDIC insurance, which means the CDs are
insured by the FDIC, subject to applicable coverage limits.
J.P. Morgan CD Rates
Here are some example CD rates on the J.P. Morgan Investing platform:
| Issuer | Rate | Maturity Date |
|---|
| 1st Financial Bank Usa | 3.80% | Jun 26, 2032 |
| Ally Bank | 3.7% | Oct 5, 2026 |
| American Express | 3.8% | Sep 21, 2027 |
| Apex Bank | 3.55% | Oct 3, 2034 |
| Banc of California | 3.75% | Dec 11, 2026 |
It’s easy to find these CDs and the rest by using the fixed-income tools on the J.P. Morgan website or in the Chase Mobile® app. To get to this area online, open the Trade menu and choose fixed income. J.P. Morgan also highlights these fixed-income tools as available both at chase.com and in the mobile app.
Once the search tool opens, the CD tab needs to be selected at the top to narrow the results to certificates of deposit only. After that, a variety of search fields become available. These include variables such as:
- FDIC # (to specify a particular bank)
- Maturity date
- Yield to worst
- Price
- Quantity available
Once the preferred search criteria are entered, simply click on the blue results button to see the eligible CDs.
How to Buy CDs on J.P. Morgan
On the results page, every CD has a blue trade link and a blue hyperlink for the CD’s name. Clicking on the name will bring up a pop-up window with lots of details on the CD, such as minimum denomination, interest payment frequency, and any restricted states.
Clicking on the blue trade link will bring up the CD order form. It’s very simple to use. Just enter the quantity desired and then click on the blue button to get the price. Doing so will return the following particulars:
- Price (size)
- Yield to maturity
- Yield to worst
- Settlement date
If everything looks acceptable, click on the preview button to review one more time, and then submit the order. An order for a brokered CD is a fill-or-kill order.
Commissions on Brokered CDs on J.P. Morgan
Investing in certificates of deposit inside a J.P. Morgan account can involve different costs depending on whether the CD is a new issue or a secondary-market trade. New issues
include a selling concession in the price that compensates the broker. Most brokered CDs that trade on the
secondary market do not use that same new-issue pricing approach, although they do come with a
$10 per trade online, plus $1.00 per bond for orders exceeding 10 bonds, up to a maximum of $250.
Other Cash Products at J.P. Morgan Investing
J.P. Morgan Investing clients can also buy shares of money market mutual funds, which are cash equivalents. These are not FDIC insured; instead, they are securities held in a brokerage account, which is one important difference. Another important difference is that money market funds at J.P. Morgan Investing have no transaction fees on online mutual fund trades.
During our research on the J.P. Morgan Investing website, we found several money market funds with 7-day
yields above 3.2%. Here are some examples:
| Money Market Fund | Yield |
|---|
| Invesco Government Money Market Fund (ACZXX) | 3.27% |
| PIMCO Government Money Market Fund (AMAXX) | 3.47% |
| J.P. Morgan U.S. Treasury Plus Money Market Fund (MJTXX) | 3.15% |
It’s easy to find money market funds using JPM's mutual fund screener. Use the tools for mutual funds and then select money market as the fund category. J.P. Morgan says self-directed clients can access money market funds and thousands of other investments, including mutual funds and brokered CDs.
J.P. Morgan also has a sweep option for uninvested cash. For the current rate, the firm directs clients to its sweep-yields page rather than listing a single permanent figure in the general disclosures.
Brokered CDs at Charles Schwab
One feature available at Schwab is an auto rollover feature for eligible CDs. Charles Schwab does offer this useful feature, so Schwab is definitely worth
considering.
The way Schwab’s CD auto rollover feature works is as follows: the principal from a CD that matures is used to automatically purchase another CD of the same or different maturity length. Schwab’s system can apply rollover to eligible new-issue and secondary-market CDs into certain new-issue CD maturities. There’s a simple way to enroll through the account tools.
Schwab also has better public learning resources for fixed-income products, including CDs, than what we found on the J.P. Morgan site. On the Schwab website, for example, we found articles, tools, and FAQ material on a wide range of fixed-income securities. Their CD page has a lot of practical information on certificates of deposit, including common questions that CD investors will likely have.
Once you have the education you need, it’s really easy to find CDs to trade at Schwab. The brokerage firm offers both primary and secondary CDs, with the former type carrying zero commissions. It’s easy to work through the CD tools on the website, and available search criteria include coupon payment, maturity date, and APY. During our review of the tools, they appeared straightforward to use.
CDs at Schwab can be traded in brokerage accounts with varying tax structures, many of which aren’t available at J.P. Morgan Self-Directed Investing. J.P. Morgan Self-Directed Investing offers retirement and non-retirement personal accounts, while Schwab offers a broader menu of brokerage account registrations. Most Schwab account types can be opened quickly using an online form on Schwab’s website.
Besides self-directed accounts, CDs are also available in advisory relationships with Schwab. Schwab also has a large branch footprint in the U.S. for clients who want in-person help.
Get The Best CD Rates Today
Visit Schwab Website
Charles Schwab CD Rates
Schwab clients can find some really good CD rates. We found some certificates of deposit
above
3.8%. Here are some examples:
| Bank | Maturity date | Yield |
|---|
| Wells Fargo Bank | 9/18/2026 | 3.83% |
| Pinnacle Bank | 6/23/2027 | 3.81% |
| Bank of Baroda | 12/24/2027 | 3.85% |
| Bank of America | 6/21/2029 | 3.95% |
| Goldman Sachs Bank | 4/23/2036 | 4.05% |
Learn more about Charles Schwab CDs or read detailed Charles Schwab Review
Updated on 4/15/2026.
Chad Morris is a financial writer with more than 20 years experience
as both an English teacher and an avid trader. When he isn’t writing
expert content for Brokerage-Review.com, Chad can usually be found
managing his portfolio or building a new home computer.
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