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iAdvertiser Disclosure Savings Rate Trends

Best Jumbo Savings Account Rates — May 2026

Content reviewed by

Brian McKay

| Editorial Disclosure |✓Fact Checked |Jumbo Savings Rates — Last Updated: May 10, 2026

Top jumbo savings rates currently available include Popular BankPopular Bank1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179A+5.0 ★Texas Ratio: 1.45% offering Savings at 3.85% APY, and Popular BankPopular Bank1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179A+5.0 ★Texas Ratio: 1.45% offering Savings at 3.80% APY, and Capital Area Realtors Federal Credit UnionCapital Area Realtors Federal Credit Union15201 Diamondback Dr, Rockville, MD 20850 3312B-4.4 ★Texas Ratio: 22.37% offering Share Savings at 3.79% APY, and Bank5 ConnectBank5 Connect160 County St, New Bedford, MA 02740A+5.0 ★Texas Ratio: 1.34% offering Jumbo Savings at 3.65% APY. Savings rates as of May 10, 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: May 10, 2026

Compare the Best Jumbo Savings Rates Nationwide

Source: Verified Rate Data by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Popular Bank

A+5.0 ★Texas Ratio: 1.45%

1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179

Savings

$1,000,000

3.85%

View

▼

Rate3.78%

Min Deposit$1,000,000

UpdatedMay 4, 2026

Details

No additional details available.

Popular Bank

A+5.0 ★Texas Ratio: 1.45%

1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179

Savings

$250,000

3.80%

View

▼

Rate3.73%

Min Deposit$250,000

UpdatedMay 4, 2026

Details

No additional details available.

Capital Area Realtors Federal Credit Union

B-4.4 ★Texas Ratio: 22.37%

15201 Diamondback Dr, Rockville, MD 20850 3312

Share Savings

$100,000

3.79%

View

▼

Rate—

Min Deposit$100,000

UpdatedMay 7, 2026

Details

No additional details available.

Bank5 Connect

A+5.0 ★Texas Ratio: 1.34%

160 County St, New Bedford, MA 02740

Jumbo Savings

$25,000

3.65%

View

▼

Rate3.59%

Min Deposit$25,000

UpdatedMay 4, 2026

Details

No additional details available.

Institution for Savings

A+5.0 ★Texas Ratio: 0.11%

93 State St, Newburyport, MA 01950

Gold Online Savings (plus interest paid)

$100,000

3.50%

View

▼

Rate3.44%

Min Deposit$100,000

UpdatedMay 5, 2026

Details

Balances $100,000 -$500,000

Mayo Employees Federal Credit Union

A+5.0 ★Texas Ratio: 0.10%

130 23rd Ave SW, Rochester, MN 55902

Premium Money Market Savings

$1,000,000

3.40%

View

▼

Rate3.36%

Min Deposit$1,000,000

UpdatedMay 10, 2026

Details

No additional details available.

Franklin SB Franklin, NH

A+5.0 ★Texas Ratio: 0.32%

387 Central St, Franklin, NH 03235

Lakes High Yield Savings1

$500,000

3.25%

View

▼

Rate3.20%

Min Deposit$500,000

UpdatedMay 5, 2026

Details

No additional details available.

Franklin SB Franklin, NH

A+5.0 ★Texas Ratio: 0.32%

387 Central St, Franklin, NH 03235

Commercial High Yield Savings1

$500,000

3.25%

View

▼

Rate3.20%

Min Deposit$500,000

UpdatedMay 5, 2026

Details

No additional details available.

Finance Factors

A+5.0 ★Texas Ratio: 0.99%

1164 Bishop St, Honolulu, HI 96813

Premier Savings

$100,000

3.00%

View

▼

Rate—

Min Deposit$100,000

UpdatedMay 5, 2026

Details

No additional details available.

Langley Federal Credit Union

A5.0 ★Texas Ratio: 11.01%

721 Lakefront Cmns, Newport News, VA 23606

Platinum Money Market Savings

$250,000

2.80%

View

▼

Rate—

Min Deposit$250,000

UpdatedMay 4, 2026

Details

No additional details available.

Texas Bay Credit Union

A5.0 ★Texas Ratio: 8.99%

12611 Fuqua St, Houston, TX 77034

Share Drafts (Checking) Commercial Checking

$700,000

1.51%

View

▼

Rate1.50%

Min Deposit$700,000

UpdatedMay 10, 2026

Details

$700,000 and up

AmeriCU Credit Union

A-4.9 ★Texas Ratio: 16.15%

1916 Black River Blvd N, Rome, NY 13440 2430

Health Savings Accounts

$100,000

1.50%

View

▼

Rate1.49%

Min Deposit$100,000

UpdatedMay 2, 2026

Details

No additional details available.

SM Federal Credit Union

A+5.0 ★Texas Ratio: 3.04%

6029 BROADMOOR St, MISSION, KS 66202 9995

Share Account

$100,001

1.00%

View

▼

Rate1.00%

Min Deposit$100,001

UpdatedMay 7, 2026

Details

No additional details available.

Nizari Progressive Federal Credit Union

A+5.0 ★Texas Ratio: 2.18%

14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678

Nizari College Savings

$100,000

0.80%

View

▼

Rate0.80%

Min Deposit$100,000

UpdatedMay 7, 2026

Details

No additional details available.

Texas Bay Credit Union

A5.0 ★Texas Ratio: 8.99%

12611 Fuqua St, Houston, TX 77034

Share Drafts (Checking) Simply Plus Business Checking

$700,000

0.75%

View

▼

Rate0.75%

Min Deposit$700,000

UpdatedMay 10, 2026

Details

$700,000 and up

Foothill Credit Union

A+5.0 ★Texas Ratio: 1.23%

250 W Colorado Blvd, Arcadia, CA 91007

Regular Share IRA

$250,000

0.65%

View

▼

Rate0.65%

Min Deposit$250,000

UpdatedMay 2, 2026

Details

No additional details available.

Nizari Progressive Federal Credit Union

A+5.0 ★Texas Ratio: 2.18%

14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678

Business Savings

$100,000

0.30%

View

▼

Rate0.30%

Min Deposit$100,000

UpdatedMay 7, 2026

Details

No additional details available.

Nizari Progressive Federal Credit Union

A+5.0 ★Texas Ratio: 2.18%

14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678

Regular Shares

$100,000

0.30%

View

▼

Rate0.30%

Min Deposit$100,000

UpdatedMay 7, 2026

Details

No additional details available.

Nizari Progressive Federal Credit Union

A+5.0 ★Texas Ratio: 2.18%

14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678

Special Shares

$100,000

0.30%

View

▼

Rate0.30%

Min Deposit$100,000

UpdatedMay 7, 2026

Details

No additional details available.

NVE Bank

A5.0 ★Texas Ratio: 11.31%

76 Engle St, Englewood, NJ 07631

eSavings Tier III

$100,000

0.20%

View

▼

Rate0.20%

Min Deposit$100,000

UpdatedMay 5, 2026

Details

No additional details available.

Disclaimer

Powered byMonitorBankRates

National Savings Rate Trends

Daily averages from thousands of rates across 8,500+ institutions.

View Full Savings Rate Trends →

Jumbo Savings — National Avg

1.294%

Unchanged

High-Yield Savings — National Avg

2.028%

▲ 0.022 vs 7 days ago

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.

Methodology & Data Sources

Direct-Sourced & Verified Rate Data: We aggregate jumbo savings account rates nationwide 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 National Coverage: Our systems constantly monitor the market to provide a complete picture of available jumbo savings yields. We include community banks, credit unions, and national 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: May 10, 2026

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Frequently Asked Questions about Jumbo Savings Accounts

What is a Jumbo Savings Account?

A jumbo savings 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 savings 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 savings 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 savings rates compare to regular savings rates?

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

Can I open a jumbo savings account online?

Some online banks and credit unions offer jumbo savings 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 savings 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 savings accounts?

Many jumbo savings 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.

What are the best Jumbo Savings rates right now?

Here are some of the top jumbo savings APYs currently available nationally:

Popular Bank
Savings — 3.85% APY
Capital Area Realtors Federal Credit Union
Share Savings — 3.79% APY
Bank5 Connect
Jumbo Savings — 3.65% APY
Institution for Savings
Gold Online Savings (plus interest paid) — 3.50% APY
Mayo Employees Federal Credit Union
Premium Money Market Savings — 3.40% APY

Rates subject to change. Last Updated: May 10, 2026

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