Best Jumbo Savings Account Rates — June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Top jumbo savings rates currently available include Texas Bridge Credit UnionTexas Bridge Credit Union3131 HOLLY RD, CORPUS CHRISTI, TX 78415A+5.0 ★Texas Ratio: 0.79% offering Jumbo Share / IRA at 4.01% APY, and Texas Bridge Credit UnionTexas Bridge Credit Union3131 HOLLY RD, CORPUS CHRISTI, TX 78415A+5.0 ★Texas Ratio: 0.79% offering Jumbo Share / IRA at 3.80% APY, and Texas Bridge Credit UnionTexas Bridge Credit Union3131 HOLLY RD, CORPUS CHRISTI, TX 78415A+5.0 ★Texas Ratio: 0.79% offering Jumbo Share / IRA at 3.70% APY, and Bank5 ConnectBank5 Connect160 County St, New Bedford, MA 02740A+5.0 ★Texas Ratio: 1.34% offering Jumbo Savings at 3.65% APY. Savings rates as of June 11, 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: June 11, 2026
Compare the Best Jumbo Savings Rates Nationwide
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Qualifications Required: Maintain a UTFCU consumer checking account and receive at least $500 in total direct deposits per month; Higher dividends are earned when you maintain a UTFCU consumer checking account and receive at least $500 in total direct deposits per month. If qualifications are not met, account earns the regular share rate.
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Includes ROTH, Traditional IRA, and CESA Share. If balance falls below $2,500, the dividend rate will be the rate paid on Regular Shares.
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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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$700,000 and up
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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April 1, 2026 to June 30, 2026; Compounded daily and credited quarterly
$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?
- Texas Bridge Credit Union
Jumbo Share / IRA — 4.01% APY - Bank5 Connect
Jumbo Savings — 3.65% APY - U T
U Earn Savings — 3.65% APY - PCM Credit Union
Top Ten Shares — 3.50% APY - Credit Union 1 Credit Union Rantoul, IL
High Yield Savings Plus — 3.00% APY
More Savings Rate Options
