Best Jumbo Savings Account Rates — July 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 Alexandria Schools Employees Credit UnionAlexandria Schools Employees Credit Union2303 E Golf Course Rd NE, Alexandria, MN 56308A+5.0 ★Texas Ratio: 2.54% offering Savings Accounts at 4.15% APY, and Apple Federal Credit UnionApple Federal Credit Union14260J Centreville Sq, Centreville, VA 20121A+5.0 ★Texas Ratio: 3.07% offering Money Market at 4.00% APY, and Wasatch Peaks Federal Credit UnionWasatch Peaks Federal Credit Union3012 S 1900 W, Ogden, UT 84401A+5.0 ★Texas Ratio: 2.48% offering Business Money Market Account at 3.80% APY, and Wasatch Peaks Federal Credit UnionWasatch Peaks Federal Credit Union3012 S 1900 W, Ogden, UT 84401A+5.0 ★Texas Ratio: 2.48% offering Money Market Account at 3.80% APY. Savings rates as of July 25, 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: July 25, 2026
Compare the Best Jumbo Savings Rates
Your savings account through ASECU is liquid. It can be used at anytime when you need cash. We do not offer CD's.
Minimum opening deposit for 4.00% is $1,000,000
Monthly
Monthly
Rate is subject to change without notice after account opening. Fees and/or withdrawals could reduce the earnings on the account.
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With Checking
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FOR BALANCES OVER $100,000. Earn dividends on balances over $100,000. No monthly service fee.
Monthly
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$100,000.00 and greater
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Balance $250,000 and over1 2
Rates Effective as of: ; APY = Annual Percentage Yield.; New money required to qualify for this rate. Only new funds transferred from external sources to the credit union qualify for this promotion.; Rates are variable and may change at any time. Fees may reduce earnings.; Membership and eligibility requirements apply. Federally insured by NCUA.
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A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000.
Annual Percentage Yield (APY) effective 01/01/26 and assumes that minimum opening deposit and ongoing minimum balance requirements are met and that interest will remain on deposit. Opening deposits must be drawn on a check from a financial institution other than Finance Factors. You must maintain a minimum balance of $100 in the account each day to obtain the disclosed annual percentage yield. Balances below the minimum $100 will earn 0.10% for each day the balance is below the minimum and a $5 monthly service fee will be charged to the account for each month that the account is below the minimum balance at any time during the month. Accounts closed within 90 days of opening will be assessed an early closing fee of $25. Fees may reduce earnings on the account. Rate is subject to change at any time without notice. The Premier Savings Account is available to State of Hawaii residents and businesses only and may be discontinued at any time. Rates may be different for business accounts. Deposits are insured up to $250,000 by the FDIC.
Qualifying balance $1,000,000+
Qualifying balance $500,000-$999,999
Dividend Distribution: Monthly
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With Checking
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$250,000.00 minimum balance to open and maintain to avoid minimum balance fees.
Qualifying balance $250,000-$499,999
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Monthly
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Qualifying balance $100,000-$249,999
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$250,000+
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Balance $100,000 - $249,999.991 2
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APY is accurate as of 2/8/23. Early withdrawals are subject to penalties.
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No Commitments. Withdraw anytime. The more you deposit, the higher your rate. New Money Only Available for Consumer & Business. To open a Business Account, visit your local branch or reach out to Commercial Lender. Annual Percentage Yield (APY) shown is accurate as of 12/15/2025. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 3-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $1,000,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.
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A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000.
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$100,000.00 to $249,999.99
Compounding: Monthly
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No Commitments. Withdraw anytime. The more you deposit, the higher your rate. New Money Only Available for Consumer & Business. To open a Business Account, visit your local branch or reach out to Commercial Lender. Annual Percentage Yield (APY) shown is accurate as of 12/15/2025. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 3-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $1,000,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.
A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000.
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$100,000
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No Commitments. Withdraw anytime. The more you deposit, the higher your rate. New Money Only Available for Consumer & Business. To open a Business Account, visit your local branch or reach out to Commercial Lender. Annual Percentage Yield (APY) shown is accurate as of 12/15/2025. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 3-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $1,000,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.
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A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000.
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Compounding: Monthly
Dividends are computed on the average daily balance, compounded and paid monthly.
Dividends Paid: Monthly. $2500 minimum balance required to open and to earn dividends. Dividend rate is subject to change at any time.
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$1,000,000 and up
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A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000.
Balance: $200,000.01 and over
Dividends Paid: Monthly. $2500 minimum balance required to open and to earn dividends. Dividend rate is subject to change at any time.
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Dividends Paid: Monthly. $2500 minimum balance required to open and to earn dividends. Dividend rate is subject to change at any time.
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$100,000 to $999,999
APY**
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Qualify for these higher rates with: Auto or Real Estate Loan, Community First Credit Card OR Local Advantage PLUS Checking Account
APY is accurate as of 2/8/23. Early withdrawals are subject to penalties.
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above $250,000
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Qualify for these higher rates with: Auto or Real Estate Loan, Community First Credit Card OR Local Advantage PLUS Checking Account
Balance Tier: $250,000 and over
ADB = Average Daily Balance. Federally insured by NCUA.
Qualify for these higher rates with: Auto or Real Estate Loan, Community First Credit Card OR Local Advantage PLUS Checking Account
Balance: $100,000 - $200,000
Rates Effective as of: ; APY = Annual Percentage Yield.; New money required to qualify for this rate. Only new funds transferred from external sources to the credit union qualify for this promotion.; Rates are variable and may change at any time. Fees may reduce earnings.; Membership and eligibility requirements apply. Federally insured by NCUA.
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A money market is a high-yield savings plan with no fees or early withdrawal penalties. Money market dividends are earned daily and paid monthly. There are no penalties for accessing your Telhio Money Market funds early, even the interest that you earn can be withdrawn once it's posted to your account! You can open a Money Market online , or in a Telhio Branch Location !
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$100,000 - $249,999
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$250,000.00 minimum balance to open and maintain to avoid minimum balance fees.
Balance Tier: $100,000 - $249,999.99
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Millennium Savings Rates-Effective Monday, August 1, 2022
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Qualifications Required: Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; active enrollment in e-statements.; APY with Bonus Rate: 3.50%
Compounding: Monthly
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APY = Annual Percentage Yield. Minimum to open is $10. Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier.
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This is a variable rate account; the rate & APY may change after the account is opened.
Qualifications Required: Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; active enrollment in e-statements.; APY with Bonus Rate: 3.25%
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Limited check access per month
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APY = Annual Percentage Yield. Minimum to open is $10. Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier.
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Compounding: Monthly
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If the account balance falls below a minimum average daily balance of $100,000, dividends will be earned at the share savings rate. No monthly service charge if minimum average daily balance of $100,000 is maintained
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Qualifying balance < $100,000
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APY = Annual Percentage Yield. Minimum to open is $10. Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier.
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The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier.
Balance: Up to $99,999
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A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000.
Balances > $250,000
Earn advertised APY on balances of $2,500 or more.
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The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier.
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Balances $100,000.01 - $250,000
APY = Annual Percentage Yield. Minimum to open is $10. Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier.
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up to $99,999.99
Dividend Distribution: Monthly
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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 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?
- Alexandria Schools Employees Credit Union
Savings Accounts — 4.15% APY - Apple Federal Credit Union
Money Market — 4.00% APY - Wasatch Peaks Federal Credit Union
Business Money Market Account — 3.80% APY - State Bank of Texas
High-Rate Jumbo Money Market — 3.76% APY - Bank5 Connect
Jumbo Savings — 3.65% APY
More Savings Rate Options
