Best Jumbo Savings Account Rates — September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Top jumbo savings rates currently available include Credit One Bank, N.A.Credit One Bank, N.A.6801 S Cimarron Rd, Las Vegas, NV 89113A5.0 ★Texas Ratio: 9.51% offering High Yield Jumbo Savings at 4.05% APY, and CFG BankCFG Bank11 W Ridgely Rd, Lutherville, MD 21093D3.3 ★Texas Ratio: 35.17% offering Commercial Money Market + ICS at 4.05% APY, and RadiFi Credit UnionRadiFi Credit Union562 Park St, Jacksonville, FL 32204 2918A+5.0 ★Texas Ratio: 3.50% offering Jumbo Money Market at 4.00% APY, and Apple Federal Credit UnionApple Federal Credit Union14260J Centreville Sq, Centreville, VA 20121A+5.0 ★Texas Ratio: 2.61% offering Money Market at 4.00% APY. Savings rates as of September 22, 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: September 22, 2026
Compare the Best Jumbo Savings Rates
No maintenance fees. Earn Loyalty Rates when you have both a CD and a Savings account with Credit One Bank. Enjoy flexibility with unlimited transfers to and from your account.
Click for full details.
No additional details available.
No monthly maintenance fees or ongoing balance requirements; No minimum withdrawal requirements; Make deposits in any amount at any time; Dividends are compounded daily and paid monthly
Maximum Amount: $20,800,000; Must be new funds to BBW or shifted from average Federal Funds Sold; Interest paid monthly, posted to the account
Annual Percentage Yield is accurate as of posting date and applies to new money deposits only. Rate is subject to change without notice after account opening. Fees and/or withdrawals could reduce the earnings on the account. $100,000 minimum required to earn stated rate for money market account. Fees could reduce the earnings on the account. A monthly service charge of $20 will be assessed if account does not maintain an average daily balance of $25,000.
No additional details available.
May add deposits at any time. Check writing allowed. ATM card upon request
No additional details available.
SUTXX
SCOXX
SGUXX
Earn dividends on balances over $100,000. No monthly service fee.
Balance: $100,000 - $500,000 (plus interest paid)
Monthly Service Charge: $20; Waived with $100,000 minimum daily balance; Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed; Variable rate, it can increase or decrease during the life of the account; Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15
Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed. Variable rate, it can increase or decrease during the life of the account. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15.
Balance: $250,000 or more; Rate: Federal Funds Effective Rate minus 0.25%
Balance: $1,000,000 - ABOVE
Balance: $250,000+
Balance: $2,000,000-$4,000,000 (plus interest paid)
Balance: $100,000 and greater
Minimum: $100,000 to $1,000,000; Monthly Service Charge: $20; Waived with $100,000 minimum daily balance; Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed; Variable rate, it can increase or decrease during the life of the account; Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15
Minimum: $100,000 to $1,000,000; Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed. Variable rate, it can increase or decrease during the life of the account. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15.
Balance: $100,000.00 and over
Balance: $100,000 - $249,999.99; Balance: $100,000 - $249,999.99; Rate: Federal Funds Effective Rate minus 0.50%
Balance: $500,000 - $999,999.99
Balance: $100,000.00 and greater
Balance: $100,000.00 and over
Minimum: $250,000.00 and above; Compound Frequency: Monthly
Balance: $1,000,000 and over
Balance: $100,000.00 - $249,999.99
Qualifications Required: Active Checking Account +0.10%; Full Direct Deposit +0.10%; Active SECU Credit Card +0.10%; Active Consumer Loan +0.10%; Current Mortgage +0.10%; Base rate 2.50% APY on average minimum daily balance of $100,000 for the monthly cycle. 3.00% APY includes relationship rate bonus conditions at 0.10% each, 5 total. Relationship rate bonuses. No setup or maintenance fees. Free online banking. Free eStatements. Free mobile banking. Free telephone banking.
Balances $250,000-$1,000,000 (plus interest paid)
Balances $250,000 to $1,000,000; Rates are variable and subject to change at any time without notice. This is a tiered rate account. A minimum balance of $250,000.00 is required to open the account and avoid a $10 monthly service charge. Balances of $250,000 to $1,000,000 earn 3.00% APY; balances less than $250,000 earn 1.50% APY. Funds over $1,000,000, excluding interest paid, will be returned to account owners. All accounts must be opened in person and are limited to one account per primary account owner. Fees may reduce earnings.
Balance: $2,000,000 +
Balance: $5,000,000 & Over
Balance: Balances $250,000 and above
Balances $250,000 and above; Rates are variable and subject to change at any time without notice. This is a tiered rate account. A minimum balance of $250,000.00 is required to open the account and avoid a $10 monthly service charge. Balances of $250,000 and above earn 3.00% APY; balances less than $250,000 earn 1.50% APY. All accounts must be opened in person. Fees may reduce earnings.
Balance: $100,000 to $249,999
$250,000; 1 2
Available in-branch only. On a balance below $100,000 you would earn the Personal Statement Savings annual percentage yield.
Balance: $5,000,000+; A $25 monthly maintenance fee will incur for balances falling below $100,000.
Balance: $1,000,000+
Balance: $100,000.01+
Balance: $500,000-$999,999
Dividend Distribution: Monthly
Balance: $750,000 -$999,999.99
Balance: $100,000.00 and over
Balance: $230,000 minimum balance
Balance: $250,000.00 or more
Balance: $100,000 - $249,999
Balance: $100,000 - $249,999
No additional details available.
Balance: $250,000-$499,999
Balance: $250,000 & Up
SWOXX
SNYXX
Balance: $50,000 - $99,999.99; Rate: Federal Funds Effective Rate minus 1.00%
SCTXX
Balance: $500,000 - $749,999.99
Balance: $1,000,000 - $1,999,999.99
Balance: $100,000-$249,999
Balance: $100,000.00 and over
No additional details available.
No additional details available.
Balance: $250,000.00 & Greater
Balance: $2,500,000 - $4,999,999.99
APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties.
No additional details available.
$100,000 - $249,999.99; 1 2
Balance: $2,000,000 - $4,999,999.99; A $25 monthly maintenance fee will incur for balances falling below $100,000.
Balance: $250,000.00 OR MORE
Balance: $250,000 - $499,999.99
SCAXX
Balance: $100,000.00 - $249,999.99
Balance: $50,000.00 - $99,999.99
Balance: $500,000 - $999,999.99
Balance: $100,000 - $249,999
No additional details available.
Compounding: Monthly
Balance: over $200,000.00
Balance: $100,000 +
2.25% annual percentage yield (APY) is based on a dividend rate of 2.225%. Offer is valid as of 05/01/2026. Fees may reduce earnings. This is a variable account. Valley Strong Membership is required. Offer and rates are subject to change at any time.
Balance: $0.00 - $100,000.00
Balance: $0.00 - $100,000.00
Balance: $1,000,000 - $2,499,999.99
Balance: $250,000 and over
Balance: $1,000,000 & Over
No additional details available.
Balance Requirement $150,000 to Higher Balance
Balance: $500,000 - $1,999,999.99; A $25 monthly maintenance fee will incur for balances falling below $100,000.
Balance: $500,000.00 - Unlimited
Balance: $96,000+
Balance: $250,000 and above
Balance: $250,000.00 - $499,999.99
Balance: $500,000 - $999,999.99
Balance: $500,000 - $999,999.99
Balance: $49,000 - $95,999.99
Balance: $96,000+
Balance: $100,000.00 and over
No additional details available.
Balance: $100,000.00-$199,999.99
All savings accounts require ownership of at least one $5.00 share in the credit union to open the account.
Balance: $100,000 to $249,999.99
Balance: $100,000 and up
Balance: $100,000 and up
Balance: $1,000,000-$1,999,999.99
Balance: $250,000 - $499,999.99
Balance: $250,000 - $499,999.99
Balance: Balances $1,000,000-$1,999,999.99
Balance: $100,000.00 to 249,999.99
Balance: $100,000 - $249,999.99
Balance: $250,000 - $499,999.99
Balance Requirement $100,000 to $149,999
Balance: $250,000 - $499,999.99; A $25 monthly maintenance fee will incur for balances falling below $100,000.
Balance: $49,000 - $95,999.99
Balance: $100,000.00 and over
Balance: $25,000.00 - $49,999.99
Balance: $100,000.00 - $249,999.00
Compounding: Monthly
Balance: $500,000-$999,999.99
Balance: Balances $500,000-$999,999.99
Balance: $500,000 and up; Dividends Paid: Monthly. $2500 minimum balance required to open and to earn dividends. Dividend rate is subject to change at any time.
Balance: $100,000 - Over
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Balance: $250,000 and over
Balance: $100,000 and over
Balance: $100,000 and Up
Balance: $100,000 - $249,999.99; A $25 monthly maintenance fee will incur for balances falling below $100,000.
Balance: $100,000+
Balance: $250,000-$499,999; Dividends Paid: Monthly. $2500 minimum balance required to open and to earn dividends. Dividend rate is subject to change at any time.
Balance: $200,000.01 and over
Balance: $100,000-$249,999; Dividends Paid: Monthly. $2500 minimum balance required to open and to earn dividends. Dividend rate is subject to change at any time.
Minimum: $250,000 to $499,999.99
Balance: $150,000 and over
Balance: $100,000 minimum balance
No additional details available.
Balance: $100,000.00 and over
No additional details available.
Balance: $100,000+
Balance: $250,000 and over
Balance: $250,000 - $499,999.99
No additional details available.
Balance: less than $2,000,000
Qualifications Required: Auto or Real Estate Loan; Community First Credit Card; Local Advantage PLUS Checking Account; Qualify for these higher rates with: Auto or Real Estate Loan Community First Credit Card OR Local Advantage PLUS Checking Account. Effective: September 21st, 2026
Balance: $100,000 - $249,999.99
Balance: $100,000 - $249,999.99
Balance: Balances less than $250,000
Balance: $50,000 and up*
Balance: $100,000 - $249,999.99
Balance: Tier 2: $250,000 & Above
No additional details available.
Term: Daily Balances of: $250,000.00 and over; Balance: $250,000.00 and over
Balance: above $250,000
Tiers: $250,000.00 & Up
Minimum: $100,000 to $249,999.99
Qualifications Required: Auto or Real Estate Loan; Community First Credit Card; Local Advantage PLUS Checking Account; Qualify for these higher rates with: Auto or Real Estate Loan Community First Credit Card OR Local Advantage PLUS Checking Account. Effective: September 21st, 2026
Balance: $100,000 & Up
No additional details available.
Tiers: $150,000.00 - $249,999.99
Qualifications Required: Auto or Real Estate Loan; Community First Credit Card; Local Advantage PLUS Checking Account; Qualify for these higher rates with: Auto or Real Estate Loan Community First Credit Card OR Local Advantage PLUS Checking Account. Effective: September 21st, 2026
Balance: $500,000+
Balance: $100,000 - $200,000
Balance: $100,000 - $249,999.99
Balance: $100,000 & Over
Qualifications Required: Auto or Real Estate Loan; Community First Credit Card; Local Advantage PLUS Checking Account; Qualify for these higher rates with: Auto or Real Estate Loan Community First Credit Card OR Local Advantage PLUS Checking Account. Effective: September 21st, 2026
Balance: $100,000.01 & Over; FedPerks = FedPerks Members earn an .10% bonus when they are part of the program.
Tiers: $100,000.00 - $149,999.99
Balance: $100,000 - $249,999
Effective: September 21st, 2026
Balance: $100,000.01 & Over; FedPerks Members earn an .10% bonus when they are part of the program.
Balance: $200,000.00 and above
No additional details available.
Balance: $100000.00 and over
Balance: $100,000.00 - $249,999.99
Balance: $150,000.00 - $199,999.99
Balance: $100,000+; Minimum withdrawal $500
Balance: $150,000.00 - $199,999.99
Effective: September 21st, 2026
Compounding: Monthly
Balance: $250,000 - $499,999.99
Balance: $250,000.00 and above
No monthly fees
Balance: $100,000 OR MORE
Balance: $100,000.00 - $149,999.99
Balance: $100,000.00 - $149,999.99
No additional details available.
No additional details available.
Balance: $100,000 - $249,999.99
No additional details available.
Tiered Rates earned are based on account balance.
No additional details available.
No additional details available.
No additional details available.
Tiered Rates earned are based on account balance.
No additional details available.
No additional details available.
Balance: $200,000.00 and above
(Limited check access per month) Balance: $100,000 and up
Balance: $150,000.00 - $199,999.99
No additional details available.
No additional details available.
No additional details available.
Balance: $150,000.00 - $199,999.99
Balance: $100,000.00 - $149,999.99
Balance: $100,000.00 - $149,999.99
Balance: $100,000 and over
Balance: $100,000 to $249,999.99
Balance: $.01 minimum balance
Balance: $100,000.00 and over
Balances $1,000,000 and above; Balance: $1,000,000 and above
Balance: $0 - $24,999.99
Compounding: Monthly
Balance: $0 - $24,999.99
Balances $1,000,000 and above; Balance: $1,000,000 and above
No additional details available.
Balance: $250,000 and over
Balance: $100,000.00 and over
Balances $500,000-$999,999.99; Balance: $500,000-$999,999.99
Balance: $100,000.00
Balance: $0 - $49,999.99
Balances $500,000-$999,999.99; Balance: $500,000-$999,999.99
Balance: $100,000.00
Balance: < $100,000
Balance: $100,000.00 and over
Balance: $100,000.00
Balances $250,000-$499,999.99; Balance: $250,000-$499,999.99
Balances $250,000-$499,999.99; Balance: $250,000-$499,999.99
Balance: $100,000 - $249,999.99
Balance: $100,000.00 and over
Balance: $0 TO $99,999.99
Balance: $0 - $24,999.99
Balance: Up to $99,999
Balance: $250,000 and up
Balance: $50,000 up to $99,999
Balance: Balances $250,000.00 and above
Balance: Up to - $99,999.99; A $25 monthly maintenance fee will incur for balances falling below $100,000.
Balance: $100,000.00 and over
Balance: $100,000.00 and over
No additional details available.
Balance: $150,000-$249,999.99
$250,000; Balance: less than $250,000
Balances $100,000 and above; Rates are variable and subject to change at any time without notice. A minimum balance of $150,000 is required to open the account and avoid a $10 monthly service charge. Maximum balance is $10 million. Fees may reduce earnings.
Balance: Balances $150,000-$249,999.99
$250,000; Balance: less than $250,000
Balance: $100,000 to $249,999
Balance: $150,000.00 +
Balance: less than $150,000
Balance: Balances $150,000-$249,999.99
Balance: $100,000 - $999,999
Balance: Up to $99,999.99
Balance: up to $99,999.99
Dividend Distribution: Monthly
Balance: $0 - $99,999.99
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.
Does a Jumbo Balance Actually Buy a Better Rate?
Not reliably — and it is worth checking before you commit to a large minimum. Jumbo tiers once paid a clear premium, but competition among high-yield accounts has narrowed and sometimes reversed the gap. Compare the two averages first.
| Balance | At Jumbo Average (1.32%) | At High-Yield Average (1.97%) | 1-Year Difference |
|---|---|---|---|
| $100,000 | $1,318.10 | $1,968.20 | −$650.10 |
| $250,000 | $3,295.25 | $4,920.50 | −$1,625.25 |
| $500,000 | $6,590.50 | $9,841.00 | −$3,250.50 |
| $1,000,000 | $13,181.00 | $19,682.00 | −$6,501.00 |
A negative difference means the broader high-yield savings average currently beats the jumbo average — in which case a jumbo minimum buys you nothing but a larger locked-up balance. Both are averages across tracked institutions; individual offers vary widely, so compare the actual accounts above rather than the averages alone.
What a Jumbo Balance Earns
At this scale small APY differences become real money — a quarter point on $500,000 is $1,250 a year. Here is a year of interest at the current jumbo average versus the top verified offer in our table.
| Balance | Earned in 1 Year at 1.32% APY Jumbo average |
Earned at 4.05% APY Top offer in our table | Difference |
|---|---|---|---|
| $100,000 | $1,318.10 | $4,050.00 | $2,731.90 |
| $250,000 | $3,295.25 | $10,125.00 | $6,829.75 |
| $500,000 | $6,590.50 | $20,250.00 | $13,659.50 |
| $1,000,000 | $13,181.00 | $40,500.00 | $27,319.00 |
Assumes the rate holds for the full year with no withdrawals and monthly compounding. Jumbo APYs are variable and tiered — the advertised rate usually requires maintaining the minimum, and dropping below it can reprice the entire balance to a lower tier. Balances above the insured limit are not protected unless structured across ownership categories or institutions.
Deposit Insurance Is the Real Jumbo Question
At jumbo balances, making sure the money is actually insured matters more than squeezing out a few extra basis points. Federal deposit insurance covers $250,000 per depositor, per institution, per ownership category — and a jumbo savings balance sits above that line by definition. The limit is not a ceiling on what you can protect, though.
Use Separate Ownership Categories
The limit applies per category, not per person. An individual account and a joint account at the same institution are insured separately, so a couple can protect well beyond $250,000 at a single bank. Revocable trust accounts extend coverage further based on the number of beneficiaries.
Spread Across Institutions
The simplest route: split the balance so no institution holds more than the insured limit. The cost is purely administrative — several logins and several rates to track — but the protection is complete and needs no special product.
Ask About Network Deposit Programs
Some banks and credit unions participate in reciprocal networks that spread a large deposit across many member institutions behind the scenes. You hold one account and one statement while each slice stays within the insured limit. Ask before assuming you must split manually.
Confirm It’s a Deposit Account
A savings account at an insured bank or credit union is a deposit and is covered. Cash management or sweep products offered through a brokerage may not be, or may be insured only once funds reach a partner bank. At this balance level, confirm the mechanics rather than assuming.
Check any institution’s insured status directly at fdic.gov or ncua.gov, and confirm current coverage rules with the insurer rather than relying on a rate table. Coverage rules are set by federal regulators and can change. MonitorBankRates is not a bank and does not provide insurance or legal advice.
About Our Jumbo Savings Rate Database
This page tracks savings accounts carrying jumbo minimum balance requirements, typically $100,000 or more, drawn from the thousands of verified rates in our database. Every APY is sourced directly from the institution’s own website and re-verified regularly. Because jumbo pricing is tiered, confirm the exact balance band that earns the advertised rate.
The highest verified APY in our table right now is 4.05% APY from Credit One Bank, N.A.. APYs on these accounts are variable — the institution can change the rate at any time without notice, so today’s leader may not lead next quarter.
Jumbo Savings Calculator
See what a large balance earns and what an APY difference is worth at this scale. We’ve prefilled the top verified rate — click any rate on the right to compare.
Assumes the APY holds for the entire period and interest compounds monthly with no withdrawals. Savings rates are variable and tiered — falling below the jumbo minimum can reprice the whole balance. Amounts above federal deposit insurance limits are not protected unless spread across ownership categories or institutions. Interest is generally taxable. Not a rate guarantee or an offer.
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: We aggregate jumbo savings 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 savings 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.
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?
- Credit One Bank, N.A.
High Yield Jumbo Savings — 4.05% APY - CFG Bank
Commercial Money Market + ICS — 4.05% APY - RadiFi Credit Union
Jumbo Money Market — 4.00% APY - Apple Federal Credit Union
Money Market — 4.00% APY - Bankers Bank of the West
Money Market Deposit Account — 3.97% APY
More Savings Rate Options
