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iAdvertiser Disclosure Savings Rate Trends

Best Jumbo Savings Account Rates — June 2026

Content reviewed by

Brian McKay

| Editorial Disclosure |✓Fact Checked |Jumbo Savings Rates — Last Updated: June 26, 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 3.80% APY, and Bank5 ConnectBank5 Connect160 County St, New Bedford, MA 02740A+5.0 ★Texas Ratio: 1.34% offering Jumbo Savings at 3.65% APY, and PCM Credit UnionPCM Credit Union601 Willard Dr, Green Bay, WI 54304A+5.0 ★Texas Ratio: 3.56% offering Top Ten Shares at 3.50% APY, and Wilmington Savings Fund Society (WSFS)Wilmington Savings Fund Society (WSFS)7 Commerce St, Harrington, DE 19952A+5.0 ★Texas Ratio: 3.24% offering Savings at 3.00% 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 Savings Rates

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

$250,000

3.80%

View

▼

Rate3.73%

Min Deposit$250,000

UpdatedJun 16, 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

UpdatedJun 16, 2026

Details

No additional details available.

PCM Credit Union

A+5.0 ★Texas Ratio: 3.56%

601 Willard Dr, Green Bay, WI 54304

Top Ten Shares

$500,000

3.50%

View

▼

Rate3.45%

Min Deposit$500,000

UpdatedJun 26, 2026

Details

No additional details available.

Wilmington Savings Fund Society (WSFS)

A+5.0 ★Texas Ratio: 3.24%

7 Commerce St, Harrington, DE 19952

Savings

$100,000

3.00%

View

▼

Rate—

Min Deposit$100,000

UpdatedJun 16, 2026

Details

Annual Percentage Yield (APY) is effective as of June 15, 2026 on balances of $100,000 or greater and is subject to change.

Topside Federal Credit Union

A5.0 ★Texas Ratio: 6.05%

2004 Augustine Ave, Fredericksburg, VA 22401

Premium Savings

$100,000

0.30%

View

▼

Rate0.30%

Min Deposit$100,000

UpdatedJun 16, 2026

Details

No additional details available.

Disclaimer

Powered byMonitorBankRates

Savings Rate Trends

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

View Full Savings Rate Trends →

Jumbo Savings — Avg

1.347%

▼ 0.028 vs 7 days ago

High-Yield Savings — Avg

1.994%

▼ 0.010 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 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.

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

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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.