Best Jumbo Savings Account Rates — August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Top jumbo savings 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 Savings 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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Access your money when you need it
Annual Percentage Yields (APY) are accurate as of 08/20/2026. Earn Loyalty Rates when you renew your CD.
No maintenance fees. Earn Loyalty Rates when you have both a CD and a Savings account with Credit One Bank. Enjoy flexibility with unlimited transfers to and from your account.
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Dividend+ account holders earn a bonus rate on Money Market accounts if an average daily balance of at least $5,000 is maintained in Dividend+
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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Dividend+ account holders earn a bonus rate on Money Market accounts if an average daily balance of at least $5,000 is maintained in Dividend+
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FOR BALANCES OVER $100,000. Earn dividends on balances over $100,000. No monthly service fee
With Checking
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Dividend+ account holders earn a bonus rate on Money Market accounts if an average daily balance of at least $5,000 is maintained in Dividend+
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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Base rate 2.50% APY on average minimum daily balance of $100,000 for the monthly cycle. 3.00% APY includes relationship rate bonus conditions at 0.10% each, 5 total.
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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.
State of Hawaii residents and businesses only. Opening deposits must be drawn on a check from a financial institution other than Finance Factors. Balances below the minimum $100 will earn 0.10% for each day the balance is below the minimum and a $5 monthly service fee will be charged to the account for each month that the account is below the minimum balance at any time during the month. Accounts closed within 90 days of opening will be assessed an early closing fee of $25. Fees may reduce earnings on the account. Rate is subject to change at any time without notice. May be discontinued at any time. Rates may be different for business accounts.
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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Dividend+ account holders earn a bonus rate on Money Market accounts if an average daily balance of at least $5,000 is maintained in Dividend+
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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.
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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Qualify for these higher rates with: Auto or Real Estate Loan Community First Credit Card OR Local Advantage PLUS Checking Account
ADB to earn.
Qualify for these higher rates with: Auto or Real Estate Loan Community First Credit Card OR Local Advantage PLUS Checking Account
FedPerks Members earn an .10% bonus when they are part of the program.
$100,000 & Over
$100,000 - $200,000
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Compounding: Monthly
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Variable
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Some restrictions may apply.
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minimum withdrawal $500
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The minimum balance to open is $2,500.00. The minimum balance to earn is $2,500.00. Fees could reduce earnings on the account. Limit one money market account per membership.
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Tiered Rates earned are based on account balance.
Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier.
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Rates effective as of 8/18/2026. All balances earn the APY listed at time of renewal. No maximum deposit amount has been defined by USFCU. Minimum balance of $100 required to earn dividends. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. Fees could reduce the earnings on the account. Membership is established by maintaining $5 in a share/savings account with USFCU.
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Some restrictions may apply.
Tiered Rates earned are based on account balance.
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Limited check access per month
This is a variable rate account; the rate & APY may change after the account is opened.
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Some restrictions may apply.
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Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier.
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Compounding: Monthly
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No monthly service charge if minimum average daily balance of $100,000 is maintained
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Interest Rates Effective : 12/12/2025 Revised: 12/11/2025 *Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. Minimum opening deposit of $10,000.00. Early closing fee of $15 if account is closed within 90 days of opening.
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Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier.
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Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier.
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If your Daily Balance is from $0.00 to $99,999.99, the first 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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Up to $99,999
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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.
Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier.
Earn advertised APY on balances of $2,500 or more.
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Interest Rates Effective : 12/12/2025 Revised: 12/11/2025 *Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. Minimum opening deposit of $10,000.00. Early closing fee of $15 if account is closed within 90 days of opening.
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Interest Rates Effective : 12/12/2025 Revised: 12/11/2025 *Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. Minimum opening deposit of $1,000.00. Early closing fee of $15 if account is closed within 90 days of opening.
Interest Rates Effective : 12/12/2025 Revised: 12/11/2025 *Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. Minimum opening deposit of $10,000.00. Early closing fee of $15 if account is closed within 90 days of opening.
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Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier.
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Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier.
Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier.
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Up to $99,999.99
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*APY is Annual Percentage Yield. Minimum deposit to open is $100,000 of new money, but can have additional funds from existing First Fed deposits. New money is described as funds not previously held on deposit at First Fed within the last 30 days. APY assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. If you close your account within 90 days of opening, you will be assessed a $15.00 early closing fee.
*APY is Annual Percentage Yield. Minimum deposit to open is $100,000 of new money, but can have additional funds from existing First Fed deposits. New money is described as funds not previously held on deposit at First Fed within the last 30 days. APY assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. If you close your account within 90 days of opening, you will be assessed a $15.00 early closing fee.
Savings Rate Trends
Daily averages from thousands of rates across 8,500+ institutions.
What Is a Jumbo Savings Account?
A jumbo savings 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, savers with jumbo balances 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 Savings vs. High-Yield Savings vs. Jumbo CDs
Online high-yield savings accounts sometimes match or exceed jumbo savings 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 reliably — and it is worth checking before you commit to a large minimum. Jumbo tiers once paid a clear premium, but competition among high-yield accounts has narrowed and sometimes reversed the gap. Compare the two averages first.
| Balance | At Jumbo Average (1.25%) | At High-Yield Average (1.99%) | 1-Year Difference |
|---|---|---|---|
| $100,000 | $1,252.40 | $1,987.20 | −$734.80 |
| $250,000 | $3,131.00 | $4,968.00 | −$1,837.00 |
| $500,000 | $6,262.00 | $9,936.00 | −$3,674.00 |
| $1,000,000 | $12,524.00 | $19,872.00 | −$7,348.00 |
A negative difference means the broader high-yield savings average currently beats the jumbo average — in which case a jumbo minimum buys you nothing but a larger locked-up balance. Both are averages across tracked institutions; individual offers vary widely, so compare the actual accounts above rather than the averages alone.
What a Jumbo Balance Earns
At this scale small APY differences become 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 1.25% APY Jumbo average |
Earned at 5.00% APY Top offer in our table | Difference |
|---|---|---|---|
| $100,000 | $1,252.40 | $5,000.00 | $3,747.60 |
| $250,000 | $3,131.00 | $12,500.00 | $9,369.00 |
| $500,000 | $6,262.00 | $25,000.00 | $18,738.00 |
| $1,000,000 | $12,524.00 | $50,000.00 | $37,476.00 |
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, 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
At jumbo balances, making sure the money is actually insured matters more than squeezing out a few extra basis points. Federal deposit insurance covers $250,000 per depositor, per institution, per ownership category — and a jumbo savings balance sits above that line by definition. The limit is not a ceiling on what you can protect, though.
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 couple can protect well beyond $250,000 at a single bank. Revocable trust accounts extend coverage further based on the number of beneficiaries.
Spread Across Institutions
The simplest route: split the balance so no institution holds more than the insured limit. The cost is purely administrative — several logins and several rates to track — but the protection is complete and needs no special product.
Ask About Network Deposit Programs
Some banks and credit unions participate in reciprocal networks that spread a large deposit across many member institutions behind the scenes. You hold one account and one statement while each slice stays within the insured limit. Ask before assuming you must split manually.
Confirm It’s a Deposit Account
A savings account at an insured bank or credit union is a deposit and is covered. Cash management or sweep products offered through a brokerage may not be, or may be insured only once funds reach a partner bank. At this balance level, confirm the mechanics rather than assuming.
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. Coverage rules are set by federal regulators and can change. MonitorBankRates is not a bank and does not provide insurance or legal advice.
About Our Jumbo Savings Rate Database
This page tracks savings accounts carrying 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, 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. APYs on these accounts are variable — the institution can change the rate at any time without notice, so today’s leader may not lead next quarter.
Jumbo Savings Calculator
See what a large balance earns and what 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. Savings 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 is generally taxable. Not a rate guarantee or an offer.
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: We aggregate jumbo savings 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 savings 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.
Savings Calculators
Frequently Asked Questions about Jumbo Savings Accounts
What is a Jumbo Savings Account?
How much FDIC insurance covers a jumbo savings account?
Are jumbo savings accounts worth it?
How do jumbo savings rates compare to regular savings rates?
Can I open a jumbo savings account online?
What is the minimum deposit for a jumbo savings account?
Are there fees on jumbo savings accounts?
What are the best Jumbo Savings 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 - Credit One Bank, N.A.
High Yield Jumbo Savings — 4.00% APY - Granite Federal Credit Union
Money Market Account — 3.90% APY
More Savings Rate Options
