Best Jumbo Savings Account Rates — May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Top jumbo savings rates currently available include Popular BankPopular Bank1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179A+5.0 ★Texas Ratio: 1.45% offering Savings at 3.85% APY, and Popular BankPopular Bank1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179A+5.0 ★Texas Ratio: 1.45% offering Savings at 3.80% 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 Institution for SavingsInstitution for Savings93 State St, Newburyport, MA 01950A+5.0 ★Texas Ratio: 0.11% offering Gold Online Savings at 3.50% APY. Savings rates as of May 21, 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: May 21, 2026
Compare the Best Jumbo Savings Rates Nationwide
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Balances $100,000 -$500,000 (plus interest paid)
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$1000 to open/HSA Money Market Savings (no minimum)
All deposits must be New Money from financial institutions other than Credit Union 1 and deposited into the High Yield Savings Plus Account.
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Redwood Savings Accounts: Minimum balance to open and earn dividends: $250,000. 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.
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$700,000 and up
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SCU Direct account offers a higher dividend rate to members who save systematically with a preauthorized weekly or monthly transfer from a SCU Checking Account. Unlimited withdrawals only when made in person. Online transfer available. Premium tiered variable dividend rate and APY. $10.00 minimum preauthorized transfer amount to open from your SCU Checking Account. $10,000 maximum opening deposit. Subsequent deposits to this account may be made only by means of a preauthorized weekly or monthly transfer from your qualifying checking account.
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$700,000 and up
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National 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.
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.
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?
- Popular Bank
Savings — 3.85% APY - Bank5 Connect
Jumbo Savings — 3.65% APY - Institution for Savings
Gold Online Savings — 3.50% APY - Mayo Employees Federal Credit Union
Premium Money Market Savings — 3.40% APY - PIONEER VALLEY
Green High-Yield Savings — 3.30% APY
More Savings Rate Options
