Best Jumbo Savings Account Rates — October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Jumbo savings account rates range from 0.40% to 4.10% APY, verified by MonitorBankRates as of October 13, 2026. Top jumbo savings rates currently available include NORTHERN SKIESNORTHERN SKIES1001 E Benson Blvd, Anchorage, AK 99508A5.0 ★Texas Ratio: 6.09% offering Jumbo Money Market Shares at 4.10% APY, and CFG BankCFG Bank11 W Ridgely Rd, Lutherville, MD 21093D3.3 ★Texas Ratio: 35.17% offering Commercial Money Market + ICS at 4.05% APY, and Credit One Bank, N.A.Credit One Bank, N.A.6801 S Cimarron Rd, Las Vegas, NV 89113A5.0 ★Texas Ratio: 9.51% offering High Yield Jumbo Savings at 4.05% APY, and Liberty Federal Credit UnionLiberty Federal Credit Union4905 University Dr, Evansville, IN 47712 6587A+5.0 ★Texas Ratio: 2.97% offering Money Market Share Account at 4.00% APY. Savings rates as of October 13, 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: October 13, 2026
Compare the Best Jumbo Savings Rates
Balance: $100,000 and over
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Savings that pay off big - with easy access to your money when you need it. $100,000 minimum balance required to open and to earn stated APY. 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.
Balance: $1,000,000 or more
Ride the Wave to Savings - Earn up to 4.00% APY*
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.
Balance: $100,000 and over
Maximum Amount: $20,800,000; Must be new funds to BBW or shifted from average Federal Funds Sold; Interest paid monthly, posted to the account
- Sep 27, 20263.97%▲ from 3.72%
- Sep 14, 20263.72%first recorded
Balance: $1,000,000+; Compounds monthly
Balance: Under $100,000
Balance: $100,000.00 and Above
Balance: $750,000-$999,999.99; Compounds monthly
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. A monthly service charge of $20 will be assessed if account does not maintain an average daily balance of $25,000.
Balance: over $100,000; No monthly service fee
- Oct 5, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Balance: $3,000,000.00 and above
- Oct 12, 20263.75%▲ from 2.90%
- Sep 14, 20262.90%first recorded
Balance: $3,000,000.00 and above
- Oct 12, 20263.75%▼ from 3.90%
- Sep 14, 20263.90%first recorded
Balance: $100,000 & above; New money only; Minimum opening new money deposit is $100,000
- Oct 9, 20263.75%▲ from 1.51%
- Oct 5, 20261.51%first recorded
Balance: $1,000,000 - $5,000,000
- Oct 5, 20263.75%▲ from 3.65%
- Sep 25, 20263.65%first recorded
Balance: $250,000 or more; Rate: Federal Funds Effective Rate minus 0.25%
- Sep 24, 20263.70%▲ from 3.44%
- Sep 14, 20263.44%first recorded
No additional details available.
Balance: $500,000-$749,999.99; Compounds monthly
May add deposits at any time<br/>- Check writing allowed<br/>- ATM card upon request
No additional details available.
Balance: $500,000 - $999,999
- Oct 5, 20263.65%▲ from 3.55%
- Sep 25, 20263.55%first recorded
Balance: $100,000 and greater
- Oct 3, 20263.51%▲ from 3.25%
- Sep 7, 20263.25%first recorded
Balance: $1,000,000+; 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
- Oct 7, 20263.50%▲ from 3.25%
- Sep 11, 20263.25%first recorded
Balance: $1,000,000+
Balance: $1,000,000+; 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
- Sep 19, 20263.50%▲ from 3.25%
- Sep 11, 20263.25%first recorded
Balance: $100,000 -$500,000 (plus interest paid)
Maximum balance allowed is $500,000 plus interest paid. Rates are variable and subject to change at any time without notice. This is a tiered rate account. Balances of $100,000 to $500,000 earn 3.50% APY; balances less than $100,000 earn 0.50% APY. Account is limited to consumers and must be opened online; individual or joint ownership only. This account may only be funded with NEW MONEY not on deposit at the Institution for Savings. Account is limited to one account per primary account owner. Fees may reduce earnings.
Balance: $100,000 and over; New money only; Minimum opening new money deposit is $100,000; Money Market Account interest is compounded daily and paid monthly
- Oct 13, 20263.50%▼ from 3.75%
- Oct 9, 20263.75%▲ from 1.51%
- Oct 5, 20261.51%first recorded
Daily balance $1,000,000.00 and above; Early Withdrawal: N/A
Balance: $100,000 - $249,999.99; Rate: Federal Funds Effective Rate minus 0.50%
- Sep 24, 20263.44%▲ from 3.19%
- Sep 14, 20263.19%first recorded
Balance: $250,000-$499,999.99; Compounds monthly
Balance: $500,000 - $999,999.99
Balance: $250,000 - $499,999.99
No additional details available.
Balance $100,000+
Balance: $100,000 - $249,999.99
Balance: $250,000 and over
Balance: $100,000.00 and Above
Balance: $1,000,000 - ABOVE
Balance: $100,000.00 and over
Minimum: $100,000 to $1,000,000; 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
Minimum: $100,000 to $1,000,000; 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
Balance: With $250,000 minimum average daily balance
Balance: $2,000,000-$4,000,000 (plus interest paid)
Balance: $100,000.00 and Above
Balance: $2,000,000-$4,000,000 (plus interest paid)
Balance: Under $100,000
Balance: $500,000 - $999,999.99
Balance: $150,000 +; Dividend paid monthly; New money required; funds must be transferred from another financial institution; existing Money Market accountholders must increase total Money Market balance by at least $10,000 in new money and maintain a qualifying balance of $150,000 or more; rate of 3.15% APY available as of July 20, 2026, subject to change or cancellation without notice
Balance: $100,000.00 and greater
No additional details available.
- Oct 10, 20263.10%▲ from 2.85%
- Sep 22, 20262.85%first recorded
Balance: $250,000.00 and above; Effective Thru: 10/31/2026; Compound Frequency: Monthly
No additional details available.
Balance: $1,000,000 and over
Balance $100-$99,999.99
Balance:; Dividend Rate. The fixed or variable rate paid.; APY. It is the rate actually earned in one year, taking into account the effect of compounding.; A $25 monthly maintenance fee will incur for balances falling below $100,000.
Balance: $5,000,000 & Over
Balance: $250,000 - $999,999
Balance: $2,000,000 +
Balance: Over $125,000
Available in-branch only. You must maintain an average daily balance of $100,000 to earn the annual percentage yield stated; on a balance below $100,000 you would earn the Personal Statement Savings annual percentage yield.
Balance: $1,000,000 and greater; Rates are tiered; dividends compounded and paid monthly
Balance: Balances $250,000-$1,000,000 (plus interest paid)
Balance: $250,000 and over
Balance: $100,000.00 - $249,999.99; eStatements required to earn interest; if eStatements are discontinued, APY reduced to 0.00%
Balance: $500,000
Balance: $50,000 - $99,999.99; Rate: Federal Funds Effective Rate minus 1.00%
Balance: $100,000-$249,999.99; Compounds monthly
Balance: $3,000,000.00 and above
Balance: $3,000,000.00 and above
Balance: $1,000,000+
Balance: $1,000,000 and over; Rates effective 10/1/26; Rates may vary. If balance falls below the minimum stated, the current savings account APY will apply.
- Oct 5, 20262.90%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Balance: $100,000.01+
Balance: $100,000.01+
Balance: $100,000.00 to $249,999.99; Effective Thru: 10/31/2026; Compound Frequency: Monthly
Balance: $500,000-$999,999
Balance: $750,000 -$999,999.99
Balance: $250,000.00 - $2,999,999.99
- Oct 12, 20262.80%▼ from 2.90%
- Sep 14, 20262.90%first recorded
Balance: $250,000 - $2,999,999.99
- Oct 12, 20262.80%▼ from 2.90%
- Sep 14, 20262.90%first recorded
Balance: $100,000 and up
Balance: $230,000 minimum balance
Balance: $1,000,000.00 or More
Balance: $250,000.00 or more; New money to the Credit Union required, not transferred from an existing WyHy account
Balance: $100,000 - $249,999; Dividends compounded and credited monthly
Balance: $100,000 - $249,999
Balance: With $100,000 minimum average daily balance
Balance: $250,000-$499,999
Balance: $1,000,000 and above
- Oct 10, 20262.75%▲ from 2.00%
- Sep 14, 20262.00%first recorded
$250,000; Balance: $250,000 & Up
- Oct 5, 20262.69%▲ from 2.43%
- Sep 14, 20262.43%first recorded
$300,000; Balance: $300,000; Rates effective 10/1/26; Rates may vary. If balance falls below the minimum stated, the current savings account APY will apply.
- Oct 5, 20262.65%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Balance: $500,000 - $749,999.99
Balance: $1,000,000 - $1,999,999.99
Balance: $100,000-$249,999
No additional details available.
Balance: $100,000 - $249,999
Daily Balances of: $500,000.00 and up
No additional details available.
- Sep 22, 20262.53%▲ from 2.27%
- Sep 18, 20262.27%▼ from 2.50%
- Sep 14, 20262.50%first recorded
Daily Balances of: $500,000.00 and up
Daily balance $250,000.00 to $999,999.99; Early Withdrawal: N/A
Balance: $100,000; Tier 2; Compounding: Quarterly
Balance: $100,000; Tier 2; Compounding: Quarterly
Balance:; Dividend Rate. The fixed or variable rate paid.; APY. It is the rate actually earned in one year, taking into account the effect of compounding.; A $25 monthly maintenance fee will incur for balances falling below $100,000.
Balance: $250,000 & Greater
APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. Balance: $250,000 & Greater
Balance: $2,500,000 - $4,999,999.99
Balance: $100,000 - $249,999
Balance: $750,000 - $999,999.99; Rates are tiered; dividends compounded and paid monthly
Balance: $250,000 and over. Limited withdrawals.
Balance: $250,000 and over.
Balance: $100,000 - $249,999.99
Balance: $200,000
Balance: $500,000 - $999,999
- Oct 10, 20262.50%▲ from 2.00%
- Sep 14, 20262.00%first recorded
Balance: $1,000,000.00 and above
Balance: $250,000.00 OR MORE
Balance: $250,000 - $499,999.99
$100,000; Balance: $100,000; Rates may vary. If balance falls below the minimum stated, the current savings account APY will apply.; Rates effective 10/1/26.
- Oct 5, 20262.40%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Balance: $100,000.00 - $249,999.99
Balance: $500,000 - $999,999.99
Balance: $50,000.00 - $99,999.99
$100,000 - $249,999; Balance: $100,000 - $249,999
- Sep 18, 20262.28%▲ from 2.18%
- Sep 14, 20262.18%first recorded
Balance: $500,000.00 - $999,999.99
Balance: $750,000 or more; Compounding: Monthly
No additional details available.
- Sep 18, 20262.27%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Balance: over $200,000.00; Paid Monthly
Balance: $100,000 +
Balance: $250,000 and over
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.
Balance:; Dividend Rate. The fixed or variable rate paid.; APY. It is the rate actually earned in one year, taking into account the effect of compounding.; A $25 monthly maintenance fee will incur for balances falling below $100,000.
Balance: $250,000 and over; Minimum deposit required to open an account is $100,000; Dividends paid at tier rates on balances over $100,000 within each tier; Membership required
Up to 2.25% APY; Dividends paid at tier rates on balances over $100,000 within each tier; Membership required
Balance: $1,000,000 - $2,499,999.99
Balance: $1,000,000 & Over
Balance: $0.00 - $100,000.00
Balance: $0.00 - $100,000.00
Balance: $500,000 - $749,999.99; Rates are tiered; dividends compounded and paid monthly
Balance: $100,000 and over
Balance: $250,000 - $499,999
- Oct 10, 20262.25%▲ from 2.00%
- Sep 14, 20262.00%first recorded
Balance: $500,000.00 and over; Rate Type: Variable
Balance: $96,000+
No additional details available.
Balance: $250,000 and above
Balance: $100,000 - $124,999.99
Balance: $100,000.00 - $249,999.99
Balance: $1,000,000 and over
Balance: $100,000 - $249,999.99
Balance: $250,000 - $499,999
- Oct 5, 20262.15%▲ from 2.05%
- Sep 25, 20262.05%first recorded
Balance: $96,000+
Balance: $500,000 - $999,999.99
Balance: $500,000 - $999,999.99
Balance: $250,000.00 - $499,999.99; Rate Type: Variable
Balance: $49,000 - $95,999.99
Balance: $100,000 +
Balance: $100,000.00 - $499,999.99
Balance: $250,000.00 and up; New money required on Jumbo Money Market
No additional details available.
Daily Balances of: $250,000.00-499,999.99
No additional details available.
- Sep 18, 20262.02%▲ from 2.00%
- Sep 14, 20262.00%first recorded
Daily Balances of: $250,000.00-499,999.99
Balance: $200,000 and above
Balance: $100,000.00-$199,999.99; Paid Monthly
Balance: $100,000 to $249,999.99
Balance: $100,000.00 to 249,999.99; New money to the Credit Union required, not transferred from an existing WyHy account
Balance: $100,000 - $249,999.99
Balance: $49,000 - $95,999.99
Balance:; Dividend Rate. The fixed or variable rate paid.; APY. It is the rate actually earned in one year, taking into account the effect of compounding.; A $25 monthly maintenance fee will incur for balances falling below $100,000.
Balance: $100,000 and up
Balance: $100,000.00 - $249,999.99; Minimum deposit required to open an account is $100,000; Dividends paid at tier rates on balances over $100,000 within each tier; Membership required
Balance: $250,000 - $499,999.99
Balance: $250,000 - $499,999.99
Balance: $250,000 - $499,999.99
Balance: Balances $1,000,000-$1,999,999.99
Balance: $250,000 - $499,999.99; Rates are tiered; dividends compounded and paid monthly
Balance: $100,000 - $249,999.99. Limited withdrawals.
Balance: $100,000 - $249,999.99.
Balance: Balances $1,000,000-$1,999,999.99
Balance: $100,000 - $200,000
Balance: $500,000 - $999,999
Balance: $25,000.00 - $49,999.99
Balance: Under $100,000
Balance: $100,000.00 - $249,999.00; Rate Type: Variable
Balance: $500,000 to $749,999.99; Compounding: Monthly
Balance: Balances $500,000-$999,999.99
Balance: Balances $500,000-$999,999.99
Dividends are computed on the average daily balance, compounded and paid monthly. If your account drops below the minimum monthly deposit balance for your Money Market Account type, dividends will not be paid until your account balance meets the minimum requirements. Once the account balance meets the minimum amount for its type, dividends will not be paid retroactively. It is the account holders responsibility to modify their Money Market account type in the event that your minimum balance exceeds or can no longer be maintained.
Balance: $100,000 - $249,999
No additional details available.
- Sep 18, 20261.76%▲ from 1.75%
- Sep 14, 20261.75%first recorded
No additional details available.
- Sep 18, 20261.76%▲ from 1.75%
- Sep 14, 20261.75%first recorded
Balance: $500,000 and greater
Balance:; Dividend Rate. The fixed or variable rate paid.; APY. It is the rate actually earned in one year, taking into account the effect of compounding.; A $25 monthly maintenance fee will incur for balances falling below $100,000.
- Oct 12, 20261.75%▼ from 2.00%
- Oct 8, 20262.00%▲ from 1.75%
- Sep 20, 20261.75%first recorded
Balance: $100,000.00 - $249,999.99
Balance: $250,000 - $499,999
Balance: $100,000 - $249,999.99
Balance: $250,000 minimum to earn APY; Dividends paid monthly; APY* = Annual Percentage Yield
Balance: $100,000.01 & Over; FedPerks Members earn an .10% bonus when they are part of the program.
- Oct 12, 20261.75%▲ from 1.65%
- Oct 4, 20261.65%▲ from 1.15%
- Sep 20, 20261.15%first recorded
Balance: $100,000 and Up
Balance: $100,000+
Balance: $100,000 - $249,999
Balance: $250,000+
- Oct 9, 20261.66%▲ from 1.45%
- Sep 14, 20261.45%first recorded
Balance: $200,000.01 and over
Balance: $100,000.01 & Over; FedPerks Members earn an .10% bonus when they are part of the program.
- Oct 4, 20261.65%▲ from 1.15%
- Sep 20, 20261.15%first recorded
Balance: $250,000 to $499,999.99
Balance: $150,000 and over
Balance: $100,000 minimum balance
Balance: $100,000.00 tier; Money Market rate requires $1,000.00 minimum balance, otherwise Regular Share APY applies
No additional details available.
Balance: $250,000.00 & Up; (a,b)
- Oct 3, 20261.51%▲ from 1.41%
- Sep 14, 20261.41%first recorded
Balance: $100,000 to $999,999
No additional details available.
Balance: $50,000 and up*
Balance: $100,000 & Up; $100,000 minimum ADB to earn
Balance: $150,000 - $249,999.99
- Oct 9, 20261.50%▼ from 2.50%
- Sep 18, 20262.50%first recorded
APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. Balance: $150,000 - $249,999.99
- Oct 9, 20261.50%▼ from 2.50%
- Sep 21, 20262.50%first recorded
Balance: $100,000 - $249,999.99
Balance: $100,000 minimum to earn APY; Dividends paid monthly; APY* = Annual Percentage Yield
Balance: $100,000 - $249,999.99
Balance: $100,000.00+
Balance: Balances less than $250,000
Balance: less than $2,000,000
Balance: less than $2,000,000
Balance: $100,000+; Dividend Rate and APY; Must have Basic Share Account with minimum balance of $25 to open
Balance: $250,000 - $499,999.99
Balance: $250,000.00 and over
Balance: $100,000 - $249,999
- Oct 9, 20261.41%▲ from 1.20%
- Sep 14, 20261.20%first recorded
Balance: $150,000.00 - $249,999.99; (a,b)
- Oct 3, 20261.41%▲ from 1.31%
- Sep 14, 20261.31%first recorded
Balance: $100,000 to $249,999.99
Balance: $100,000 and Over
Balance: $100,000.00 - $149,999.99; (a,b)
- Oct 3, 20261.31%▲ from 1.21%
- Sep 14, 20261.21%first recorded
No additional details available.
Balance: $100,000 to $249,999; New money required to qualify for this rate. Only new funds transferred from external sources to the credit union qualify for this promotion.
Balance: $100,000 and up
Balance: $100,000 - $200,000
$100,000 and above
$100,000 and above
Balance: $100,000.00 and over
No additional details available.
Balance: $250,000.00-$999,999.99
Balance: $50,000.00 - $99,999.99
Balance: $50,000 - $99,999.99
Balance: $100000.00 minimum to earn APY; Money Market Savings Rates - Effective Monday, August 1, 2022
Balance: $100,000 - $199,999.99
Balance: $250,000 & Over; Must have a balance of $100,000 to open and maintain the account and to obtain the disclosed APY; Dividends calculated daily, compounded and paid monthly; Variable rate account
Balance: $250,000 and over; Rates apply to the entire balance, not just the amount over the tier threshold; Rates as of 9/30/2025
Balance: $250,000 to $499,999.99; Compounding: Monthly
Variable; Balance: $100,000+
Balance: $100,000+; Minimum withdrawal $500
Balance: $100,000 or more
Balance: $0 - $100,000; Tier 1; Minimum balance required to open account: $100,000
No additional details available.
Daily Balances of: $100,000.00-249,999.99
Daily Balances of: $100,000.00-249,999.99
Balance: $100,000.00 - $249,999.99
Balance: $250,000.00 and above
Balance: $100,000 OR MORE
No additional details available.
No additional details available.
No additional details available.
Tiered Rates earned are based on account balance.
Balance: $100,000 or more
No additional details available.
Tiered Rates earned are based on account balance.
No additional details available.
Balance: $50,000 - $99,999
No additional details available.
Balance: $100,000 - $249,999; Rates apply to the entire balance, not just the amount over the tier threshold; Rates as of 9/30/2025
No additional details available.
This is a variable rate account; the rate & APY may change after the account is opened. Balance: $200,000.00 - $749,999.99
Balance: $100,000 and up; Limited check access per month
Balance: $100,000.00 and over
Balance: $100,000.00 and over
Listed under Discontinued Savings Accounts (effective 4/22/26); Balance: $100,000; Requires a CommonWealth checking account
No additional details available.
Balance: $25,000 - $49,999
No additional details available.
No additional details available.
No additional details available.
Balance: $10,000 - $24,999
Balance: $100,000 to $249,999.99
Balance: $100,000 and over
Balance: $.01 minimum balance
Balance: $100,000 to $249,999; Must have a balance of $100,000 to open and maintain the account and to obtain the disclosed APY; Dividends calculated daily, compounded and paid monthly; Variable rate account
Balance: $0 to $249,999.99; Compounding: Monthly
Balance: $250,000.00 and over
Balance: $1,000 - $49,999.99
Balance: $100,000+
Balance: $1,000 - $49,999.99
Daily Balances of: upto$99,999.99
Balance: $0 - $24,999.99
Balance: $0 - $24,999.99
Daily Balances of: upto$99,999.99
Balance: Balances $1,000,000 and above
Balance: less than $100,000
Maximum balance allowed is $500,000 plus interest paid. Rates are variable and subject to change at any time without notice. This is a tiered rate account. Balances of $100,000 to $500,000 earn 3.50% APY; balances less than $100,000 earn 0.50% APY. Account is limited to consumers and must be opened online; individual or joint ownership only. This account may only be funded with NEW MONEY not on deposit at the Institution for Savings. Account is limited to one account per primary account owner. Fees may reduce earnings.
Balance: Balances $1,000,000 and above
Balance: $50,000 up to $99,999
- Oct 3, 20260.50%▲ from 0.25%
- Sep 7, 20260.25%first recorded
No additional details available.
Balance: $0 - $49,999.99
Balance: from $100,000.00
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 (1.18%) | At High-Yield Average (1.96%) | 1-Year Difference |
|---|---|---|---|
| $100,000 | $1,176.80 | $1,958.40 | −$781.60 |
| $250,000 | $2,942.00 | $4,896.00 | −$1,954.00 |
| $500,000 | $5,884.00 | $9,792.00 | −$3,908.00 |
| $1,000,000 | $11,768.00 | $19,584.00 | −$7,816.00 |
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 1.18% APY Jumbo average |
Earned at 4.10% APY Top offer in our table | Difference |
|---|---|---|---|
| $100,000 | $1,176.80 | $4,100.00 | $2,923.20 |
| $250,000 | $2,942.00 | $10,250.00 | $7,308.00 |
| $500,000 | $5,884.00 | $20,500.00 | $14,616.00 |
| $1,000,000 | $11,768.00 | $41,000.00 | $29,232.00 |
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 4.10% APY from NORTHERN SKIES. 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?
- NORTHERN SKIES
Jumbo Money Market Shares — 4.10% APY - CFG Bank
Commercial Money Market + ICS — 4.05% APY - Credit One Bank, N.A.
High Yield Jumbo Savings — 4.05% APY - Liberty Federal Credit Union
Money Market Share Account — 4.00% APY - RadiFi Credit Union
Jumbo Money Market — 4.00% APY
More Savings Rate Options
