Best Jumbo Money Market Account Rates — July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Top jumbo money market rates currently available include 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, and Wasatch Peaks Federal Credit UnionWasatch Peaks Federal Credit Union3012 S 1900 W, Ogden, UT 84401A+5.0 ★Texas Ratio: 2.48% offering Business Money Market Account at 3.80% APY, and Wasatch Peaks Federal Credit UnionWasatch Peaks Federal Credit Union3012 S 1900 W, Ogden, UT 84401A+5.0 ★Texas Ratio: 2.48% offering Money Market Account at 3.80% APY, and State Bank of TexasState Bank of Texas517 W I 30, Garland, TX 75043A+5.0 ★Texas Ratio: 2.36% offering High-Rate Jumbo Money Market at 3.76% APY. Savings rates as of July 25, 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: July 25, 2026
Compare the Best Jumbo Money Market Rates
Minimum opening deposit for 4.00% is $1,000,000
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Monthly
Rate is subject to change without notice after account opening. Fees and/or withdrawals could reduce the earnings on the account.
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FOR BALANCES OVER $100,000. Earn dividends on balances over $100,000. No monthly service fee.
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Balance $250,000 and over1 2
Money Market Rate Trends
Daily averages from our database of 8,500+ banks and credit unions — updated every evening.
What Is a Jumbo Money Market Account?
A jumbo money market 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, holders of jumbo money market accounts 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 Money Market vs. High-Yield Savings vs. Jumbo CDs
Online high-yield savings accounts sometimes match or exceed jumbo money market 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 money market 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 money market 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.
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Frequently Asked Questions about Jumbo Money Market Accounts
What is a Jumbo Money Market Account?
How much FDIC insurance covers a jumbo money market account?
Are jumbo money market accounts worth it?
How do jumbo money market rates compare to regular savings rates?
Can I open a jumbo money market account online?
What is the minimum deposit for a jumbo money market account?
Are there fees on jumbo money market accounts?
What are the best Jumbo Money Market rates right now?
- Apple Federal Credit Union
Money Market — 4.00% APY - Wasatch Peaks Federal Credit Union
Business Money Market Account — 3.80% APY - State Bank of Texas
High-Rate Jumbo Money Market — 3.76% APY - Lake-Osceola State Bank
Money Market Account — 3.56% APY - Unison Credit Union
Money Market Accounts — 3.50% APY
More Money Market Rate Options
