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iAdvertiser Disclosure Savings Rate Trends

Best Jumbo Savings Account Rates — April 2026

Content reviewed by

Brian McKay

| Editorial Disclosure |✓Fact Checked |Jumbo Savings Rates — Last Updated: April 5, 2026

Top jumbo savings rates currently available include Atlantic Regional Federal Credit UnionAtlantic Regional Federal Credit Union55 Cushing ST, Brunswick, ME 04011A+5.0 ★Texas Ratio: 2.96% offering Business Savings at 4.00% APY, and Ultima Bank MinnesotaUltima Bank Minnesota9 W Minnesota Ave, Winger, MN 56592A+5.0 ★Texas Ratio: 4.29% offering UBM Direct Savings at 3.75% 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 Mayo Employees Federal Credit UnionMayo Employees Federal Credit Union130 23rd Ave SW, Rochester, MN 55902A+5.0 ★Texas Ratio: 0.10% offering Premium Money Market Savings at 3.40% APY. Savings rates as of April 5, 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 5, 2026

Compare the Best Jumbo Savings Rates Nationwide

Source: Verified Rate Data by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Atlantic Regional Federal Credit Union

A+5.0 ★Texas Ratio: 2.96%

55 Cushing ST, Brunswick, ME 04011

Business Savings

$250,000

4.00%

View

▼

Rate3.93%

Min Deposit$250,000

UpdatedApr 4, 2026

Details

No additional details available.

Ultima Bank Minnesota

A+5.0 ★Texas Ratio: 4.29%

9 W Minnesota Ave, Winger, MN 56592

UBM Direct Savings

$1,000,000

3.75%

View

▼

Rate3.69%

Min Deposit$1,000,000

UpdatedApr 3, 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

UpdatedMar 25, 2026

Details

No additional details available.

Mayo Employees Federal Credit Union

A+5.0 ★Texas Ratio: 0.10%

130 23rd Ave SW, Rochester, MN 55902

Premium Money Market Savings

$1,000,000

3.40%

View

▼

Rate3.36%

Min Deposit$1,000,000

UpdatedMar 27, 2026

Details

No additional details available.

Members Advantage Credit Union

A+5.0 ★Texas Ratio: 0.47%

1610 Lincoln St, Wisconsin Rapids, WI 54494 5920

Money Market Savings

$250,000

3.05%

View

▼

Rate3.00%

Min Deposit$250,000

UpdatedMar 27, 2026

Details

$1000 to open/HSA Money Market Savings (no minimum)

Finance Factors

A+5.0 ★Texas Ratio: 0.99%

1164 Bishop St, Honolulu, HI 96813

Premier Savings

$100,000

3.00%

View

▼

Rate—

Min Deposit$100,000

UpdatedApr 3, 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 25, 2026

Details

$1,000 bonus

Chesapeake Bank

A+5.0 ★Texas Ratio: 2.95%

97 N Main St, Kilmarnock, VA 22482

Clear Sky Savings Special

$250,000

2.95%

View

▼

Rate2.91%

Min Deposit$250,000

UpdatedApr 2, 2026

Details

No additional details available.

Expree Credit Union

A+5.0 ★Texas Ratio: 4.78%

100 Moore Dr, Frankfort, KY 40601 8295

Money Market Savings Account

$300,000

2.90%

View

▼

Rate2.86%

Min Deposit$300,000

UpdatedApr 2, 2026

Details

No additional details available.

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.

Mayo Employees Federal Credit Union

A+5.0 ★Texas Ratio: 0.10%

130 23rd Ave SW, Rochester, MN 55902

Money Market Savings

$100,000

2.30%

View

▼

Rate2.28%

Min Deposit$100,000

UpdatedMar 27, 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 25, 2026

Details

No additional details available.

MIAMI FIREFIGHTERS

A5.0 ★Texas Ratio: 6.55%

1111 NW 7th St, Miami, FL 33136

Money Market Savings Account

$250,001

1.85%

View

▼

Rate1.83%

Min Deposit$250,001

UpdatedMar 27, 2026

Details

No additional details available.

HERCULES FIRST

A5.0 ★Texas Ratio: 8.30%

3141 W 4700 S, Taylorsville, UT 84129 2525

Money Fund Savings

$250,000

1.51%

View

▼

Rate1.50%

Min Deposit$250,000

UpdatedApr 2, 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 25, 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 28, 2026

Details

$700,000 and up

Southwest National Bank

A-5.0 ★Texas Ratio: 14.18%

400 E Douglas Ave, Wichita, KS 67202

Investment Savings

$250,000

1.25%

View

▼

Rate1.24%

Min Deposit$250,000

UpdatedApr 2, 2026

Details

No additional details available.

Weststar Credit Union

A+5.0 ★Texas Ratio: 4.17%

8395 W Sunset Rd, Las Vegas, NV 89113

IRA Shares

$100,000

1.25%

View

▼

Rate—

Min Deposit$100,000

UpdatedMar 29, 2026

Details

No additional details available.

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.

Century Next Bank

A+5.0 ★Texas Ratio: 4.13%

210 Main Street, Crossett, AR 71635

SPECIAL SAVINGS IRA

$1,000,000

1.00%

View

▼

Rate—

Min Deposit$1,000,000

UpdatedApr 3, 2026

Details

No additional details available.

SM Federal Credit Union

A+5.0 ★Texas Ratio: 3.04%

6029 BROADMOOR St, MISSION, KS 66202 9995

Share Account

$100,001

1.00%

View

▼

Rate1.00%

Min Deposit$100,001

UpdatedApr 5, 2026

Details

No additional details available.

Nizari Progressive Federal Credit Union

A+5.0 ★Texas Ratio: 2.18%

14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678

Nizari College Savings

$100,000

0.80%

View

▼

Rate0.80%

Min Deposit$100,000

UpdatedMar 28, 2026

Details

No additional details available.

Municipal Bank

A+5.0 ★Texas Ratio: 0.00%

228 N Dixie Hwy, Momence, IL 60954

24K Commercial Savings Account

$150,000

0.70%

View

▼

Rate0.70%

Min Deposit$150,000

UpdatedApr 4, 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 28, 2026

Details

No additional details available.

Ultima Bank Minnesota

A+5.0 ★Texas Ratio: 4.29%

9 W Minnesota Ave, Winger, MN 56592

Ultima Savings

$100,000

0.50%

View

▼

Rate0.50%

Min Deposit$100,000

UpdatedApr 3, 2026

Details

No additional details available.

Nizari Progressive Federal Credit Union

A+5.0 ★Texas Ratio: 2.18%

14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678

Regular Shares

$100,000

0.30%

View

▼

Rate0.30%

Min Deposit$100,000

UpdatedMar 28, 2026

Details

No additional details available.

Nizari Progressive Federal Credit Union

A+5.0 ★Texas Ratio: 2.18%

14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678

Special Shares

$100,000

0.30%

View

▼

Rate0.30%

Min Deposit$100,000

UpdatedMar 28, 2026

Details

No additional details available.

Nizari Progressive Federal Credit Union

A+5.0 ★Texas Ratio: 2.18%

14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678

Business Savings

$100,000

0.30%

View

▼

Rate0.30%

Min Deposit$100,000

UpdatedMar 28, 2026

Details

No additional details available.

Hills Bank and Trust Company

A5.0 ★Texas Ratio: 7.52%

240 3rd Ave Se, Cedar Rapids, IA 52401

Gold Savings

$500,000

0.30%

View

▼

Rate0.30%

Min Deposit$500,000

UpdatedMar 27, 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

UpdatedApr 4, 2026

Details

No additional details available.

Disclaimer

Powered byMonitorBankRates

National Savings Rate Trends

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

View Full Savings Rate Trends →

Jumbo Savings — National Avg

2.115%

▲ 0.481 vs 7 days ago

High-Yield Savings — National Avg

2.133%

▲ 0.487 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 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: April 5, 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:

Atlantic Regional Federal Credit Union
Business Savings — 4.00% APY
Ultima Bank Minnesota
UBM Direct Savings — 3.75% APY
Bank5 Connect
Jumbo Savings — 3.65% APY
Mayo Employees Federal Credit Union
Premium Money Market Savings — 3.40% APY
Members Advantage Credit Union
Money Market Savings — 3.05% APY

Rates subject to change. Last Updated: April 5, 2026

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