Key Takeaways Keeping savings at Chase means earning just 0.01%—far less than the 4%–5% available at dozens of smaller banks. The standard Chase savings rate is just 0.01%—that’s not 1%, it’s one one-hundredth of a percent. If you keep $10,000 in a Chase savings account, that means you’d earn just $1 in interest over a whole year. Instead, a high-yield savings account can help your money grow instead of losing ground to inflation. Here's How Much Chase's Near-Zero Savings Rate Could Be Costing YouSo how much are you really losing by keeping savings at Chase with its 0.01% interest rate?