30-yr fixed 6.43% ▾ 0.06 wk
15-yr fixed 5.79% ▾ 0.04 wk
HELOC avg 7.90% — no change
Auto 60-mo new 6.82% ▴ +0.03 mo
Personal 24-mo 11.57% ▾ 0.12 qtr
Credit card APR 21.52% ▴ +0.09 qtr
as of Jul 2, 2026 · Federal Reserve / Freddie Mac via FRED (St. Louis Fed)
Bank · Independent review

Chase: an honest look at the rates and the fine print

Chase is the largest U.S. bank by assets, strong in mortgages, auto lending, and home equity, with meaningful rate discounts for existing customers. Notably, it does not offer unsecured personal loans — so for that product you will look elsewhere — but its mortgage and HELOC offerings are competitive and branch-supported.

By Daniel Reeves · Reviewed by M. Okafor, CFP Updated July 2, 2026

Chase

Mortgages · Bank · NMLS #399798 · Founded 1799

3.9/5
  • ProductsMortgage, auto, HELOC
  • Min down (conv.)3%
  • Relationship perkRate discounts
  • Branches4,700+ nationwide
  • NoteNo unsecured personal loans

Independent profile. Loans Advisor is not affiliated with, or compensated by, this lender.

Where Chase fits

Strengths

  • Relationship rate discounts
  • Huge branch and ATM network
  • Competitive mortgage/HELOC

Watch-outs

  • No unsecured personal loans
  • Best perks need deposits with Chase
  • Some in-branch steps

Best for

Based on its rates and products, Chase is most relevant if you're looking at:

Figures are researched from public rate sheets and regulatory filings and change often — verify current terms with Chase before applying. Loans Advisor is not affiliated with, or paid by, Chase, and earns no referral fee from this profile.