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iAdvertiser Disclosure Savings Rate Trends

Best Jumbo Savings Account Rates — March 2026

Content reviewed by

Brian McKay

| Editorial Disclosure |✓Fact Checked |Jumbo Savings Rates — Last Updated: March 24, 2026

Top jumbo savings rates currently available include Bank5 ConnectBank5 Connect160 County St, New Bedford, MA 02740A+5.0 ★Texas Ratio: 1.34% offering Jumbo Savings at 3.75% APY, and Institution for SavingsInstitution for Savings93 State St, Newburyport, MA 01950A+5.0 ★Texas Ratio: 0.11% offering Gold Online Savings (plus interest paid) at 3.50% APY, and Langley Federal Credit UnionLangley Federal Credit Union721 Lakefront Cmns, Newport News, VA 23606A5.0 ★Texas Ratio: 11.01% offering Platinum Money Market Savings at 3.00% APY, and Credit Union 1 Credit Union Rantoul, ILCredit Union 1 Credit Union Rantoul, IL450 E 22nd St Ste 250, Lombard, IL 60148 6176A5.0 ★Texas Ratio: 8.23% offering High Yield Savings Plus at 3.00% APY. Savings rates as of March 24, 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: March 24, 2026

Compare the Best Jumbo Savings Rates Nationwide

Source: Verified Rate Data by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Bank5 Connect

A+5.0 ★Texas Ratio: 1.34%

160 County St, New Bedford, MA 02740

Jumbo Savings

$25,000

3.75%

View

▼

Rate3.69%

Min Deposit$25,000

UpdatedMar 17, 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

UpdatedMar 20, 2026

Details

Balances $100,000 -$500,000

Langley Federal Credit Union

A5.0 ★Texas Ratio: 11.01%

721 Lakefront Cmns, Newport News, VA 23606

Platinum Money Market Savings

$1,000,000

3.00%

View

▼

Rate—

Min Deposit$1,000,000

UpdatedMar 20, 2026

Details

No additional details available.

Credit Union 1 Credit Union Rantoul, IL

A5.0 ★Texas Ratio: 8.23%

450 E 22nd St Ste 250, Lombard, IL 60148 6176

High Yield Savings Plus

$100,000

3.00%

View

▼

Rate—

Min Deposit$100,000

UpdatedMar 18, 2026

Details

$1,000 bonus

Stearns Bank National Association

A5.0 ★Texas Ratio: 10.04%

600 Hillside Ave Sw, Pine City, MN 55063

Above the Norm Personal Market Savings

$500,000

2.99%

View

▼

Rate—

Min Deposit$500,000

UpdatedMar 15, 2026

Details

Grow your money

Monterey Credit Union

A+5.0 ★Texas Ratio: 5.57%

24560 Silver Cloud Ct Ste 204, MONTEREY, CA 93940 6560

Redwood Savings Account

$1,000,000

2.96%

View

▼

Rate—

Min Deposit$1,000,000

UpdatedMar 20, 2026

Details

Rates are variable and can change after account opening. Fees may reduce earnings. Rates available as of 02/10/2026; subject to change without notice.

Associated Credit Union

A+5.0 ★Texas Ratio: 2.38%

6251 Crooked Creek Rd, Norcross, GA 30092 3107

Regular, TRUST, & IRA MMAs

$100,000

2.40%

View

▼

Rate2.37%

Min Deposit$100,000

UpdatedMar 24, 2026

Details

No additional details available.

Boone Bank & Trust Co.

A+5.0 ★Texas Ratio: 0.00%

716 8th St, Boone, IA 50036

Individual Retirement Account (IRA) Savings

$100,000

2.26%

View

▼

Rate2.25%

Min Deposit$100,000

UpdatedMar 18, 2026

Details

No additional details available.

Artesia Credit Union

A+5.0 ★Texas Ratio: 2.57%

210 N 5th St, Artesia, NM 88210 2000

IRA Shares

$100,000

2.02%

View

▼

Rate2.00%

Min Deposit$100,000

UpdatedMar 17, 2026

Details

No additional details available.

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

UpdatedMar 17, 2026

Details

No additional details available.

Texas Bay Credit Union

A5.0 ★Texas Ratio: 8.99%

12611 Fuqua St, Houston, TX 77034

Business Share

$700,000

1.26%

View

▼

Rate1.25%

Min Deposit$700,000

UpdatedMar 21, 2026

Details

$700,000 and up

Affinity Credit Union

A+5.0 ★Texas Ratio: 4.17%

475 NW Hoffman Ln, Des Moines, IA 50313 2261

Coverdell Education Savings

$100,000

1.00%

View

▼

Rate1.00%

Min Deposit$100,000

UpdatedMar 24, 2026

Details

No additional details available.

NORTHERN SKIES

A+5.0 ★Texas Ratio: 2.27%

1001 E Benson Blvd, Anchorage, AK 99508

Jumbo Money Market Savings

$100,000

0.70%

View

▼

Rate0.70%

Min Deposit$100,000

UpdatedMar 20, 2026

Details

No additional details available.

Simplicity Credit Union

A5.0 ★Texas Ratio: 10.89%

222 E Upham St, Marshfield, WI 54449 1543

Share Premium Savings

$100,000

0.65%

View

▼

Rate0.65%

Min Deposit$100,000

UpdatedMar 21, 2026

Details

No additional details available.

United Pacific Bank

A-4.9 ★Texas Ratio: 15.96%

1630 S Azusa Ave, City Of Industry, CA 91748

Business Money Market Savings

$100,000

0.35%

View

▼

Rate0.35%

Min Deposit$100,000

UpdatedMar 22, 2026

Details

Minimum Daily Balance of $2,500 to Obtain the APY

United Pacific Bank

A-4.9 ★Texas Ratio: 15.96%

1630 S Azusa Ave, City Of Industry, CA 91748

Personal Money Market Savings

$100,000

0.35%

View

▼

Rate0.35%

Min Deposit$100,000

UpdatedMar 22, 2026

Details

Minimum Daily Balance of $2,500 to Obtain the APY

Monson Savings Bank

A+5.0 ★Texas Ratio: 1.52%

146 Main St, Monson, MA 01057

Business Savings Account

$100,000

0.30%

View

▼

Rate0.30%

Min Deposit$100,000

UpdatedMar 21, 2026

Details

No additional details available.

Home SB of Wapakoneta

A+5.0 ★Texas Ratio: 0.00%

1 S Blackhoof St, Wapakoneta, OH 45895

Cornerstone Statement Savings Account

$100,000

0.15%

View

▼

Rate0.15%

Min Deposit$100,000

UpdatedMar 24, 2026

Details

No additional details available.

Disclaimer

Powered byMonitorBankRates

National Savings Rate Trends

Weekly averages from 6,653 current rates across 8,500+ institutions.

View Full Savings Rate Trends →

High-Yield Savings — Avg

1.701%

▲ 0.252 vs last week

Standard Savings — Avg

0.590%

▲ 0.057 vs last week

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: March 24, 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:

Bank5 Connect
Jumbo Savings — 3.75% APY
Institution for Savings
Gold Online Savings (plus interest paid) — 3.50% APY
Langley Federal Credit Union
Platinum Money Market Savings — 3.00% APY
Credit Union 1 Credit Union Rantoul, IL
High Yield Savings Plus — 3.00% APY
Stearns Bank National Association
Above the Norm Personal Market Savings — 2.99% APY

Rates subject to change. Last Updated: March 24, 2026

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