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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 22, 2026

Top jumbo savings rates currently available include Bank5 ConnectBank5 Connect160 County St, New Bedford, MA 02740A+5.0 ★Texas Ratio: 1.34% offering Jumbo Savings at 3.65% APY, and PIONEER VALLEYPIONEER VALLEY246 Brookdale Dr, Springfield, MA 01104A+5.0 ★Texas Ratio: 0.34% offering Green High-Yield Savings at 3.40% APY, and PIONEER VALLEYPIONEER VALLEY246 Brookdale Dr, Springfield, MA 01104A+5.0 ★Texas Ratio: 0.34% offering Green High-Yield Savings at 3.35% APY, and PIONEER VALLEYPIONEER VALLEY246 Brookdale Dr, Springfield, MA 01104A+5.0 ★Texas Ratio: 0.34% offering Green High-Yield Savings at 3.30% APY. Savings rates as of April 22, 2026 according to verified data from MonitorBankRates.

We compared 738 jumbo savings rates from 192 banks and credit unions across all 50 states to help you find the best jumbo savings and high-deposit money market account rates.

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 22, 2026

Compare the Best Jumbo Savings Rates Nationwide

Source: Verified Rate Data by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Bank5 Connect

A+5.0 ★Texas Ratio: 1.34%

160 County St, New Bedford, MA 02740

Jumbo Savings

3.65%

View

▼

Rate—

Min Deposit$0

UpdatedApr 22, 2026

Details

Earn a top-of-market APY on balances of $25,000 and up.

PIONEER VALLEY

A+5.0 ★Texas Ratio: 0.34%

246 Brookdale Dr, Springfield, MA 01104

Green High-Yield Savings

$200,000

3.40%

View

▼

Rate—

Min Deposit$200,000

UpdatedApr 19, 2026

Details

No additional details available.

PIONEER VALLEY

A+5.0 ★Texas Ratio: 0.34%

246 Brookdale Dr, Springfield, MA 01104

Green High-Yield Savings

$150,000

3.35%

View

▼

Rate—

Min Deposit$150,000

UpdatedApr 19, 2026

Details

No additional details available.

PIONEER VALLEY

A+5.0 ★Texas Ratio: 0.34%

246 Brookdale Dr, Springfield, MA 01104

Green High-Yield Savings

$100,000

3.30%

View

▼

Rate—

Min Deposit$100,000

UpdatedApr 19, 2026

Details

No additional details available.

Franklin SB Franklin, NH

A+5.0 ★Texas Ratio: 0.32%

387 Central St, Franklin, NH 03235

Commercial High Yield Savings1

$500,000

3.25%

View

▼

Rate3.20%

Min Deposit$500,000

UpdatedApr 17, 2026

Details

No additional details available.

Monterey Credit Union

A+5.0 ★Texas Ratio: 5.57%

24560 Silver Cloud Ct Ste 204, MONTEREY, CA 93940 6560

Redwood Savings

$1,000,000

2.96%

View

▼

Rate—

Min Deposit$1,000,000

UpdatedApr 19, 2026

Details

Earn 2.96% APY on $1,000,000+; Open an Account Today!

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

UpdatedApr 18, 2026

Details

No additional details available.

Wildfire Credit Union

A+5.0 ★Texas Ratio: 3.82%

6640 Bay Rd, Saginaw, MI 48604

High-Yield Savings

$1,000,000

2.10%

View

▼

Rate2.08%

Min Deposit$1,000,000

UpdatedApr 18, 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

UpdatedApr 19, 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

UpdatedApr 19, 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 19, 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

UpdatedApr 19, 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

UpdatedApr 19, 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

UpdatedApr 19, 2026

Details

No additional details available.

Sky Federal Credit Union

B4.6 ★Texas Ratio: 20.02%

777 E Main St Ste 102, Bozeman, MT 59715

IRA Shares

$100,000

0.50%

View

▼

Rate0.50%

Min Deposit$100,000

UpdatedApr 17, 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

1.302%

▲ 0.004 vs 7 days ago

High-Yield Savings — National Avg

2.039%

▲ 0.010 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 22, 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.