☰

iAdvertiser Disclosure Money Market Rate Trends

Best Jumbo Money Market Account Rates — June 2026

Content reviewed by

Brian McKay

| Editorial Disclosure |✓Fact Checked |Jumbo Money Market Rates — Last Updated: June 26, 2026

Top jumbo money market rates currently available include United Trust BankUnited Trust Bank12330 S Harlem Ave, Palos Heights, IL 60463A+5.0 ★Texas Ratio: 2.60% offering Premium Money Market Special at 4.00% APY, and Apple Federal Credit UnionApple Federal Credit Union14260J Centreville Sq, Centreville, VA 20121A+5.0 ★Texas Ratio: 3.07% offering Money Market at 4.00% APY, and The Upstate National BankThe Upstate National Bank729 Proctor Ave, Ogdensburg, NY 13669A+5.0 ★Texas Ratio: 0.00% offering Money Market Deposit Account at 3.70% APY, and Lake-Osceola State BankLake-Osceola State Bank790 Michigan Ave, Baldwin, MI 49304A+5.0 ★Texas Ratio: 1.18% offering Money Market Account at 3.56% APY. Savings rates as of June 26, 2026 according to verified data from MonitorBankRates.

We evaluate every listed institution using proprietary Safety Grades (A+ to F), Star Ratings, and Texas Ratios — critical for large-balance depositors seeking both yield and institutional security.

APYs reflect actual verified offers. Rates subject to change. Last Updated: June 26, 2026

Compare the Best Jumbo Money Market Rates

Source: Verified Rate Data by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

United Trust Bank

A+5.0 ★Texas Ratio: 2.60%

12330 S Harlem Ave, Palos Heights, IL 60463

Premium Money Market Special

$100,000

4.00%

View

▼

Rate3.92%

Min Deposit$100,000

UpdatedJun 23, 2026

Details

Special rate as of 4/9/2025

Apple Federal Credit Union

A+5.0 ★Texas Ratio: 3.07%

14260J Centreville Sq, Centreville, VA 20121

Money Market

$1,000,000

4.00%

View

▼

Rate—

Min Deposit$1,000,000

UpdatedJun 16, 2026

Details

Minimum opening deposit for 4.00% is $1,000,000. No monthly maintenance fees or ongoing balance requirements. No minimum withdrawal requirements. Make deposits in any amount at any time. Dividends are compounded daily and paid monthly.

The Upstate National Bank

A+5.0 ★Texas Ratio: 0.00%

729 Proctor Ave, Ogdensburg, NY 13669

Money Market Deposit Account

$100,000

3.70%

View

▼

Rate3.64%

Min Deposit$100,000

UpdatedJun 22, 2026

Details

No additional details available.

Lake-Osceola State Bank

A+5.0 ★Texas Ratio: 1.18%

790 Michigan Ave, Baldwin, MI 49304

Money Market Account

$1,000,000

3.56%

View

▼

Rate3.50%

Min Deposit$1,000,000

UpdatedJun 16, 2026

Details

No additional details available.

CFG Bank

A5.0 ★Texas Ratio: 10.06%

11 W Ridgely Rd, Lutherville, MD 21093

ICS Money Market

$250,000

3.50%

View

▼

Rate3.44%

Min Deposit$250,000

UpdatedJun 16, 2026

Details

May add deposits at anytime, check writing allowed, and ATM card issued upon request.

Hanscom Federal Credit Union

A+5.0 ★Texas Ratio: 3.63%

495 Summer St, Boston, MA 02210

Premier Money Market

$500,000

3.50%

View

▼

Rate3.44%

Min Deposit$500,000

UpdatedJun 23, 2026

Details

No additional details available.

Unison Credit Union

A+5.0 ★Texas Ratio: 1.93%

1616 Crooks Ave, Kaukauna, WI 54130

Money Market Accounts

$1,000,000

3.39%

View

▼

Rate3.34%

Min Deposit$1,000,000

UpdatedJun 26, 2026

Details

No additional details available.

Greenville Heritage Federal Credit Union

A+5.0 ★Texas Ratio: 0.82%

350 Harrison Bridge Rd, Simpsonville, SC 29680

Money Market Checking

$250,001

3.30%

View

▼

Rate3.25%

Min Deposit$250,001

UpdatedJun 23, 2026

Details

Free Withdrawals: 6 per month

Palmetto First Federal Credit Union

A+5.0 ★Texas Ratio: 5.64%

1722 Gregg Ave, Florence, SC 29501

Jumbo Money Market

$1,000,000

3.25%

View

▼

Rate3.20%

Min Deposit$1,000,000

UpdatedJun 26, 2026

Details

No additional details available.

Hanscom Federal Credit Union

A+5.0 ★Texas Ratio: 3.63%

495 Summer St, Boston, MA 02210

Premier Money Market

$100,000

3.25%

View

▼

Rate3.20%

Min Deposit$100,000

UpdatedJun 23, 2026

Details

No additional details available.

Central Federal SLA

A+5.0 ★Texas Ratio: 4.92%

5953 W Cermak Rd, Cicero, IL 60804

Premier High Yield Money Market

$100,000

3.25%

View

▼

Rate3.20%

Min Deposit$100,000

UpdatedJun 16, 2026

Details

No additional details available.

Palmetto First Federal Credit Union

A+5.0 ★Texas Ratio: 5.64%

1722 Gregg Ave, Florence, SC 29501

Jumbo Money Market

$500,000

3.15%

View

▼

Rate3.10%

Min Deposit$500,000

UpdatedJun 26, 2026

Details

No additional details available.

1st Security Bank of Washington

A+5.0 ★Texas Ratio: 2.12%

734 Water St, Port Townsend, WA 98368

1st Rate Money Market

$100,000

3.15%

View

▼

Rate—

Min Deposit$100,000

UpdatedJun 23, 2026

Details

Balance tier: $100,000.00 and greater

Disclaimer

Powered byMonitorBankRates

Money Market Rate Trends

Daily averages from our database of 8,500+ banks and credit unions — updated every evening.

View Full Money Market Rate Trends →

Jumbo MMA — Avg

1.795%

▲ 0.014 vs 7 days ago

High-Yield MMA — Avg

3.063%

Unchanged

What Is a Jumbo Money Market Account?

A jumbo money market account is a deposit account that requires a high minimum balance — typically $100,000 or more — in exchange for an elevated APY. They are designed for high-net-worth individuals, businesses, and organizations that hold large amounts of liquid cash and want to maximize yield without locking funds in a CD.

Because FDIC insurance covers only $250,000 per depositor per institution, holders of jumbo money market accounts should pay close attention to institutional financial health. MonitorBankRates displays Safety Grades, Star Ratings, and Texas Ratios for every listed institution so you can prioritize both yield and security.

Jumbo Money Market vs. High-Yield Savings vs. Jumbo CDs

Online high-yield savings accounts sometimes match or exceed jumbo money market APYs with no minimum balance requirement. Jumbo CDs offer guaranteed fixed rates for large deposits but lock your funds for a set term. The right choice depends on your liquidity needs, rate outlook, and deposit size. Use our comparison tool above to evaluate all options side by side.

Methodology & Data Sources

Direct-Sourced & Verified Rate Data: We aggregate jumbo money market account rates directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and Coast-to-Coast Coverage: Our systems constantly monitor the market to provide a complete picture of available jumbo money market yields. We include community banks, credit unions, and major institutions to ensure you have full visibility into all available options.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Every product listed features its own specific “last updated” date for full transparency.

Proprietary Institution Health & Safety Grades: For large-balance depositors, institutional safety is paramount. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, stable institutions.

Disclaimer: Interest rates are variable and subject to change. FDIC/NCUA insurance covers up to $250,000 per depositor per institution. Verify current offers directly with the institution. Last Updated: June 26, 2026

Deposit Account Calculators

Savings Calculator

CD Calculator

CD Ladder Calculator

CD vs. HYSA

Frequently Asked Questions about Jumbo Money Market Accounts

What is a Jumbo Money Market Account?

A jumbo money market account is a deposit account that requires a high minimum deposit typically $100,000 or more and may offer a higher APY in exchange for that large balance commitment. They are offered by banks, credit unions, and some online institutions targeting high-net-worth savers.

How much FDIC insurance covers a jumbo money market account?

FDIC insurance covers up to $250,000 per depositor per institution. For jumbo deposits exceeding this limit, consider spreading funds across multiple FDIC-insured institutions or using an IntraFi (formerly CDARS) network to extend coverage. Credit union accounts are covered by the NCUA up to the same amount.

Are jumbo money market accounts worth it?

Whether a jumbo account is worth it depends on your rate premium. If an institution offers meaningfully higher rates on jumbo balances versus standard savings, the additional yield on a large balance can be substantial. Always compare the effective APY against HYSA alternatives many online banks offer competitive rates without a minimum.

How do jumbo money market rates compare to regular savings rates?

Jumbo money market rates are not always higher than standard money market rates. Historically the premium was more consistent, but today many online high-yield money market accounts offer rates equal to or exceeding jumbo-tier rates. Always compare both options side by side.

Can I open a jumbo money market account online?

Some online banks and credit unions offer jumbo money market accounts that can be opened digitally. Traditional banks may require you to visit a branch for large-balance accounts. Check the institution's website or call ahead to confirm the process.

What is the minimum deposit for a jumbo money market account?

The most common thresholds are $100,000 and $250,000. Some institutions define jumbo differently, starting at $50,000. The minimum deposit required to earn the jumbo APY is always listed in our rate table above.

Are there fees on jumbo money market accounts?

Many jumbo money market accounts waive monthly maintenance fees if the high minimum balance is maintained. If the balance falls below the threshold, standard fees may apply. Always review the fee schedule before opening.