Best Jumbo Money Market Account Rates — August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Top jumbo money market rates currently available include Credit Union West Credit UnionCredit Union West Credit Union20155 N 67th Ave, Glendale, AZ 85308A+5.0 ★Texas Ratio: 2.75% offering Jumbo Money Market Account at 5.00% APY, and NORTHERN SKIESNORTHERN SKIES1001 E Benson Blvd, Anchorage, AK 99508A+5.0 ★Texas Ratio: 3.06% offering IRA Jumbo Money Market Savings at 4.60% APY, and NORTHERN SKIESNORTHERN SKIES1001 E Benson Blvd, Anchorage, AK 99508A+5.0 ★Texas Ratio: 3.06% offering IRA Jumbo Money Market Savings at 4.20% 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. Savings rates as of August 28, 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: August 28, 2026
Compare the Best Jumbo Money Market Rates
Qualifications Required: must meet membership eligibility; minimum to open is $100,000 in new money; no minimum balance requirement; balance capped at $5MM for one owner (SSN); to earn higher tier APYs must maintain tier minimums; Jumbo Money Market Account Dividend Rate and Annual Percentage Yield (APY) may change without prior notice, before or after account is opened. Fees could reduce earnings. To qualify for the Jumbo Money Market Account (1) must meet membership eligibility; (2) minimum to open is $100,000 in new money, (3) no minimum balance requirement, (4) balance capped at $5MM for one owner (SSN), (5) to earn higher tier APYs must maintain tier minimums.
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Annual Percentage Yield is accurate as of posting date and applies to new money deposits only. Rate is subject to change without notice after account opening. Fees and/or withdrawals could reduce the earnings on the account. $100,000 minimum balance required to earn stated rate. UPDATED 12-29-25 | 3:28 PM CST
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FOR BALANCES OVER $100,000. Earn dividends on balances over $100,000. No monthly service fee
With Checking
Federal Funds Effective Rate minus 0.25%
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Monthly Service Charge: $20 Waived with $100,000 minimum daily balance. Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed. Variable rate, it can increase or decrease during the life of the account. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15.
Waived with $100,000 minimum daily balance. Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed. Variable rate, it can increase or decrease during the life of the account. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15.
To receive the 3.25% APY a balance of $500,000 or greater needs to be maintained. As of October 30, 2024 the default rate is 1.00% APY. Fees and other conditions could reduce earnings. You must maintain a minimum balance of $10 in the account to obtain the disclosed APY. The Ultra Money Market requires a Savers Bank checking account to receive the advertised promotional money market rate.
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Federal Funds Effective Rate minus 0.50%
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No check access allowed. Withdrawals are restricted.
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Monthly Service Charge: $20 Waived with $100,000 minimum daily balance. Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed. Variable rate, it can increase or decrease during the life of the account. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15.
Waived with $100,000 minimum daily balance. Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed. Variable rate, it can increase or decrease during the life of the account. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15.
A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000.
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Qualifications Required; Qualifying balance up to $100,000.00
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With Checking
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If your Daily Balance is over $250,000.00, the third Dividend Rate and Annual Percentage Yield for this account listed above in the Rate Schedule will apply to the entire balance.
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$250,000.00 or more
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Federal Funds Effective Rate minus 1.00%
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Requires $1000 minimum balance to open.
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A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000.
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Compounding: Monthly
Paid Monthly
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Eligibility for the 2.25% APY Money Market Account: Valley Strong Membership is required. Offer is valid as of 05/01/2026. Fees may reduce earnings. This is a variable account. Valley Strong Membership is required. Offer and rates are subject to change at any time.
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Dividends are paid at tier rates on balances over $100,000 within each tier. If the average daily balance falls below $100,000 during the statement cycle, dividends will not be paid. Membership required.
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A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000.
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Paid Monthly
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If your Daily Balance is from $100,000.00 to $249,999.99, the second Dividend Rate and Annual Percentage Yield for this account listed above in the Rate Schedule will apply to the entire balance.
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$100,000.00 to 249,999.99
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A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000.
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Compounding: Monthly
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No check access allowed. Withdrawals are restricted.
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A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000.
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$200,000.01 and over
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No check access allowed. Withdrawals are restricted.
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Qualify for these higher rates with: Auto or Real Estate Loan Community First Credit Card OR Local Advantage PLUS Checking Account
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Money Market Rate Trends
Daily averages from our database of 8,500+ banks and credit unions — updated every evening.
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.
Does a Jumbo Balance Actually Buy a Better Rate?
Not always — and this is the most useful thing to know before you move a large balance. Jumbo tiers historically paid a premium, but competition among high-yield accounts has narrowed and sometimes reversed that gap. Compare the two averages before assuming the jumbo tier wins.
| Balance | At Jumbo Average (2.13%) | At High-Yield Average (3.05%) | 1-Year Difference |
|---|---|---|---|
| $100,000 | $2,127.40 | $3,046.30 | −$918.90 |
| $250,000 | $5,318.50 | $7,615.75 | −$2,297.25 |
| $500,000 | $10,637.00 | $15,231.50 | −$4,594.50 |
| $1,000,000 | $21,274.00 | $30,463.00 | −$9,189.00 |
A negative difference means the broader high-yield money market average currently beats the jumbo average — in which case a jumbo minimum buys you nothing but a larger required balance. Both figures are averages across tracked institutions; individual offers vary widely, so compare the actual accounts in the table above rather than the averages alone.
What a Jumbo Balance Earns
At jumbo balances, small APY differences translate into real money — a quarter point on $500,000 is $1,250 a year. Here is a year of interest at the current jumbo average versus the top verified offer in our table.
| Balance | Earned in 1 Year at 2.13% APY Jumbo average |
Earned at 5.00% APY Top offer in our table | Difference |
|---|---|---|---|
| $100,000 | $2,127.40 | $5,000.00 | $2,872.60 |
| $250,000 | $5,318.50 | $12,500.00 | $7,181.50 |
| $500,000 | $10,637.00 | $25,000.00 | $14,363.00 |
| $1,000,000 | $21,274.00 | $50,000.00 | $28,726.00 |
Assumes the rate holds for the full year with no withdrawals and monthly compounding. Jumbo APYs are variable and tiered — the advertised rate usually requires maintaining the minimum balance, and dropping below it can reprice the entire balance to a lower tier. Balances above the insured limit are not protected unless structured across ownership categories or institutions.
Deposit Insurance Is the Real Jumbo Question
Chasing an extra few basis points matters far less than making sure the balance is actually insured. Federal deposit insurance covers $250,000 per depositor, per institution, per ownership category — and a jumbo money market balance can sit above that line by definition. The good news is that the limit is not a hard ceiling on how much you can protect.
Use Separate Ownership Categories
The limit applies per category, not per person. An individual account and a joint account at the same institution are insured separately, so a married couple can cover substantially more than $250,000 at one bank. Revocable trust accounts extend coverage further, based on the number of beneficiaries.
Spread Across Institutions
The simplest approach: split the balance so no single institution holds more than the insured limit. The cost is administrative — several logins, several rate changes to track — but the protection is absolute and requires no special product.
Ask About Network Deposit Programs
Some banks and credit unions participate in reciprocal deposit networks that spread a large balance across many member institutions behind the scenes, so you hold one account while each slice stays within the insured limit. Ask whether the institution offers one before assuming you must split manually.
Confirm the Product Is a Deposit
A money market account at an insured bank or credit union is a deposit and is covered. A money market fund sold through a brokerage is an investment — it is not deposit-insured and can lose value. At jumbo balances this distinction is the one worth being certain about.
Check any institution’s insured status directly at fdic.gov or ncua.gov, and confirm current coverage rules with the insurer rather than relying on a rate table. Deposit insurance rules are set by federal regulators and can be revised. MonitorBankRates is not a bank and does not provide insurance or legal advice.
About Our Jumbo Money Market Rate Database
This page tracks money market accounts with jumbo minimum balance requirements, typically $100,000 or more, drawn from the thousands of verified rates in our database. Every APY is sourced directly from the institution’s own website and re-verified regularly. Because jumbo pricing is tiered, always confirm the exact balance band that earns the advertised rate.
The highest verified APY in our table right now is 5.00% APY from Credit Union West Credit Union. Money market APYs are variable — the institution can change the rate at any time without notice, so today’s leader may not lead next quarter.
Jumbo Money Market Calculator
See what a large balance earns and how much an APY difference is worth at this scale. We’ve prefilled the top verified rate — click any rate on the right to compare.
Assumes the APY holds for the entire period and interest compounds monthly with no withdrawals. Money market rates are variable and tiered — falling below the jumbo minimum can reprice the whole balance. Amounts above federal deposit insurance limits are not protected unless spread across ownership categories or institutions. Interest earned is generally taxable. Not a rate guarantee or an offer.
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.
Deposit Account Calculators
Frequently Asked Questions about Jumbo Money Market Accounts
What is a Jumbo Money Market Account?
How much FDIC insurance covers a jumbo money market account?
Are jumbo money market accounts worth it?
How do jumbo money market rates compare to regular savings rates?
Can I open a jumbo money market account online?
What is the minimum deposit for a jumbo money market account?
Are there fees on jumbo money market accounts?
What are the best Jumbo Money Market rates right now?
- Credit Union West Credit Union
Jumbo Money Market Account — 5.00% APY - NORTHERN SKIES
IRA Jumbo Money Market Savings — 4.60% APY - Apple Federal Credit Union
Money Market — 4.00% APY - State Bank of Texas
Jumbo Money Market — 3.76% APY - FCB Banks
Jumbo Commercial Money Market (with Primary Business Checking at FCB) — 3.75% APY
More Money Market Rate Options
