Certificate of Deposit (CD) Account Interest Tax

[Yujin-Bao]

Hi I'm a resident alien on an F1 visa for 2025 federal tax purposes. Sorry for posting this again as I might post a same question under a wrong topic previously.

I earned some interest (above $10) from the Chase CD account in 2025 but didn't receive any tax forms. They told me they do not have tax forms for CDs less than 6 months. I only had CDs with terms less than 6 months in 2025. In this case I wonder if I need to pay/file tax for the interst I've earned even if there aren't any tax forms? If so, what is the tax rate (they never withhold anything) for federal and Connecticut state tax? I'd appreciate any information on that!

[MaxA1]

If this was your only income for the year, than there isn't a need to file a tax return for this, especially if you never received a 1099-INT.

If you had other income and are already filing a tax return, you technically have to file your interest income regardless if you received a 1099-INT or not.

You will enter the interest income in the "Interest on 1099-INT" section under "Investments and Savings".  For the FEIN, leave that field blank, and only enter the bank name, address and Interest income amount.

The tax rate depends on your other income on your return and your filing status, as it is all taxed by graduated tax rates (tax brackets).

[Yujin-Bao]

Thanks so much for the reply! I do have other income to file. If I understand correctly, I need to file the interest from my Chase cd account manually to a 1099-INT, even if I don't receive any tax forms? Please let me know, thanks again!

[CatinaT1]

If your CD matured or you took a withdrawal from the CD in 2025, then yes, regardless of receiving a form or not  you need to include the interest earned and paid to you during the year.