Best Jumbo Money Market Account Rates — April 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: 0.37% offering Money Market at 4.00% APY, and United Trust BankUnited Trust Bank12330 S Harlem Ave, Palos Heights, IL 60463A+5.0 ★Texas Ratio: 2.60% offering Money Market at 4.00% APY, and United Trust BankUnited Trust Bank12330 S Harlem Ave, Palos Heights, IL 60463A+5.0 ★Texas Ratio: 2.60% offering Premium Money Market Special at 4.00% APY, and Atlantic Regional Federal Credit UnionAtlantic Regional Federal Credit Union55 Cushing ST, Brunswick, ME 04011A+5.0 ★Texas Ratio: 2.96% offering Money Market Account at 4.00% APY. Savings rates as of April 9, 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: April 9, 2026
Compare the Best Jumbo Money Market Rates Nationwide
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New Money Only
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New York Special Offers; Only available at our Rochester and Williamsville, New York locations.
Maximum Amount: $20,000,000
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Open $100,000
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May add deposits at anytime, check writing allowed, and ATM card issued upon request
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No check access allowed. Withdrawals are restricted.
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plus interest paid
Balances of $100,000.00 and over
Balances of $100,000.00 and over
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New Money Only Available for Consumer & Business. To open a Business Account, visit your local branch or reach out to Commercial Lender.
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Currently Closed to New Shares
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Balances $1,000,000-$1,999,999.99
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Qualifying balance up to $100,000.00
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FedPerks: 1.20%
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Minimum Initial Deposit: $100,000.00
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Minimum Daily Balance of $2,500 to Obtain the APY
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Minimum Daily Balance of $2,500 to Obtain the APY
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National 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 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 money market 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.
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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 - United Trust Bank
Money Market — 4.00% APY - Atlantic Regional Federal Credit Union
Money Market Account — 4.00% APY - NexTier Bank
Welcome Money Market Promo — 3.75% APY - Bankers Bank of the West
Money Market — 3.72% APY
More Money Market Rate Options
