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How to find the best jumbo CD rates

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So-called "jumbo" certificates of deposit are attractive to savers because in exchange for a $100,000 minimum deposit, you can often enjoy a higher rate than with a regular CD.

In some cases, the interest rate on a jumbo CD can beat a regular CD by as much as 1 percent and even beyond, depending on the length of the term.

So what's the best way to research and compare?

For one, MoneyRates tracks the best CD rates for you. As of June 2015, U.S. banks were offering jumbo CD with rates of returns as high as 2.27% APY.

But before investing in, say, a five-year jumbo CD with 1.5 percent interest rate, smart savers need to consider that their money will be locked into that rate for the entire period, unless they want to pay an early-withdrawal penalty.

Another point to remember when investing in jumbo CDs: They are FDIC-insured up to $250,000 per account. Keep an eye on the total in your account to be sure you don’t exceed this.

 Account Type
 Term
 Amount

5 Yr. Term
$100000 Minimum to earn APY

2.25%APY

Rates as of 8/2/2015
FDIC Insured

Advertiser Comments

  • Member FDIC
  • Synchrony Bank was formerly GE Capital Retail Bank
  • Balances from $2,000-$24,999 earn 2.20% APY; $25,000+ earn 2.25% APY

See more rates

Capital One 360
5 year Term
Minimum to earn APY $1
2.25% APY
Rates as of 2015-07-29
Comment
CD - 60 Month

Type: CD

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F and A Federal Credit Union
5 year Term
Minimum to earn APY $1,000
2.33% APY
Rates as of 2015-07-29
Comment
Term Share Certificate - 60 Months (1825 days) - Must be a member - County See moreof Los Angeles, CA

Type: CD

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E-Loan
5 year Term
Minimum to earn APY $10,000
2.31% APY
Rates as of 2015-07-29

Type: CD

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EverBank
5 year Term
Minimum to earn APY $1,500
2.31% APY
Rates as of 2015-07-29
Comment
Yield Pledge CD

Type: CD

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Fort Knox Credit Union
5 year Term
Minimum to earn APY $500
2.30% APY
Rates as of 2015-07-29
Comment
59 month - Membership is available, but not limited to select employer groups or those See morewho live, work,or worship, attend school or regularly do business in Boyle, Breckenridge, Grayson, Hart, LaRue, Meade, Nelson or Taylor County. See website for additional eligiblity criteria.

Type: CD

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Melrose Credit Union
5 year Term
Minimum to earn APY $5,000
2.27% APY
Rates as of 2015-07-29
Comment
Share Certificate - contact Melrose CU for opening paperwork - Must be a member

Type: CD

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Gulf Coast Bank and Trust Company
5 year Term
Minimum to earn APY $2,000
2.20% APY
Rates as of 2015-07-29
Comment
Direct Online Certificate of Deposit (CD) - 60 Months

Type: CD

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Barclays
5 year Term
Minimum to earn APY $0
2.20% APY
Rates as of 2015-07-29
Comment
60 Month Online CD

Type: CD

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First Internet Bank
5 year Term
Minimum to earn APY $1,000
2.17% APY
Rates as of 2015-07-29
Comment
60 month CD

Type: CD

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State Bank of India
5 year Term
Minimum to earn APY $5,000
2.12% APY
Rates as of 2015-07-29
Comment
Certificate of Deposit Accounts, New York Branch - for CD 5 years and above

Type: CD

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Sallie Mae Bank
5 year Term
Minimum to earn APY $2,500
2.10% APY
Rates as of 2015-07-29
Comment
60 Month -Nationwide - apply online

Type: CD

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Boiling Springs Savings Bank
5 year Term
Minimum to earn APY $1,000
2.10% APY
Rates as of 2015-07-29
Comment
Apply at a branch

Type: CD

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Warsaw Federal Savings and Loan
5 year Term
Minimum to earn APY $1,000
2.05% APY
Rates as of 2015-07-30

Type: CD

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Flagstar Bank
5 year Term
Minimum to earn APY $500
2.05% APY
Rates as of 2015-07-29
Comment
60 - 71 Month CD - Apply online - Rate collected within: 49201 (MI)

Type: CD

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TheBANK of Edwardsville
5 year Term
Minimum to earn APY $1,000
2.05% APY
Rates as of 2015-07-29
Comment
60 Month CD. IL market area only

Type: CD

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Discover Bank
5 year Term
Minimum to earn APY $2,500
2.00% APY
Rates as of 2015-07-29

Type: CD

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1st Source Bank
5 year Term
Minimum to earn APY $500
2.00% APY
Rates as of 2015-07-30
Comment
Online CDs

Type: CD

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Security Service Federal Credit Union
5 year Term
Minimum to earn APY $500
2.00% APY
Rates as of 2015-07-29
Comment
Tiered interest rate - between $500 and $25,000 - must be a member and reside See morein Texas, Colorado or Utah - apply online - Rate collected within: 78203 (TX)

Type: CD

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Ally Bank
5 year Term
Minimum to earn APY $0
2.00% APY
Rates as of 2015-07-29
Comment
High-Yield CD - Apply online - Rate collected within: CA

Type: CD

Learn More
Nationwide Bank
5 year Term
Minimum to earn APY $100,000
2.00% APY
Rates as of 2015-07-29
Comment
60 Month CD - for balances in Tier $100,000 or higher

Type: CD

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Geddes Federal Savings and Loan Association
5 year Term
Minimum to earn APY $500
2.00% APY
Rates as of 2015-07-29
Comment
Central New York market area only

Type: CD

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National Penn Bank
5 year Term
Minimum to earn APY $500
2.00% APY
Rates as of 2015-07-29
Comment
58 Month CD

Type: CD

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Hudson City (Rate in NY)
5 year Term
Minimum to earn APY $500
2.00% APY
Rates as of 2015-07-29
Comment
Rate collected within: NY

Type: CD

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Hudson City (Rate in NJ)
5 year Term
Minimum to earn APY $500
2.00% APY
Rates as of 2015-07-29
Comment
Rate collected within: NJ

Type: CD

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Hudson City (Rate in CT)
5 year Term
Minimum to earn APY $500
2.00% APY
Rates as of 2015-07-29
Comment
Rate collected within: CT

Type: CD

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State Farm Bank (Rate in NY)
5 year Term
Minimum to earn APY $500
2.00% APY
Rates as of 2015-07-29
Comment
60 Month CD - Less than $100,000 - Rate collected within: 10025 (NY)

Type: CD

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Connexus Credit Union
5 year Term
Minimum to earn APY $10,000
2.00% APY
Rates as of 2015-07-29
Comment
Rate available with active checking account - membership is available nationwide - may become a See moremember and open account online - contact credit union for details - credit union located in Wisconsin

Type: CD

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GE Capital Bank
5 year Term
Minimum to earn APY $500
2.00% APY
Rates as of 2015-07-29
Comment
Open online - Maximum deposit amount $1,000,000

Type: CD

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Nationwide Bank
5 year Term
Minimum to earn APY $500
1.95% APY
Rates as of 2015-07-29
Comment
60 Month CD - for balances in Tier $0-$9,999

Type: CD

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Washington Federal
5 year Term
Minimum to earn APY $1,000
1.95% APY
Rates as of 2015-07-30
Comment
60 month term - Balances of $1000-$89,999 - Account must be opened in branch - See moreAccounts are available within: WA, OR, ID, UT, AZ, NV, TX and NM

Type: CD

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Peoples Bank (thefriendlybank.com)
5 year Term
Minimum to earn APY $1,000
1.91% APY
Rates as of 2015-07-29

Type: CD

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Kearny Bank
5 year Term
Minimum to earn APY $500
1.90% APY
Rates as of 2015-07-29

Type: CD

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Community Bank of Trenton
5 year Term
Minimum to earn APY $1,000
1.87% APY
Rates as of 2015-07-29
Comment
60 Month CD

Type: CD

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Virtual Bank
5 year Term
Minimum to earn APY $10,000
1.81% APY
Rates as of 2015-07-29
Comment
eCD rates for online account only

Type: CD

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Wildfire Credit Union
5 year Term
Minimum to earn APY $2,000
1.81% APY
Rates as of 2015-07-30
Comment
60 month CD - For balances of $100,000 or more contact credit union for See morerates. Membership is open to those who live, work, worship or attend college in one of the following Michigan counties: Saginaw, Bay, Midland, Genesee, Gratiot, Shiawassee and Tuscola.

Type: CD

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Webster Bank
5 year Term
Minimum to earn APY $1,000
1.80% APY
Rates as of 2015-07-30
Comment
5 Year CD Tier $1,000-$2,499

Type: CD

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American Bank (ambk.com)
5 year Term
Minimum to earn APY $500
1.80% APY
Rates as of 2015-07-29
Comment
60 Month Promotion CD

Type: CD

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MidFirst Bank
5 year Term
Minimum to earn APY $5,000
1.80% APY
Rates as of 2015-07-29
Comment
Callable Relationship - 60 Month with 1 year lock. Rate collected within AL.

Type: CD

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Transportation Alliance Bank
5 year Term
Minimum to earn APY $1,000
1.77% APY
Rates as of 2015-07-29
Comment
60 Month CD

Type: CD

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Wings Financial Credit Union
5 year Term
Minimum to earn APY $500
1.76% APY
Rates as of 2015-07-30
Comment
Membership is limited to employees of the air transportation industry, as well as those who See morelive or work in select counties of the Minneapolis/St. Paul, MN, metro area

Type: CD

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Bellevue State Bank
5 year Term
Minimum to earn APY $5,000
1.76% APY
Rates as of 2015-07-29

Type: CD

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O Bee Credit Union
5 year Term
Minimum to earn APY $500
1.76% APY
Rates as of 2015-07-29
Comment
5 Year CD - Must be a member of O Bee Credit Union

Type: CD

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Astoria Bank
5 year Term
Minimum to earn APY $500
1.75% APY
Rates as of 2015-07-29
Comment
Apply at a branch - New York

Type: CD

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Columbia Bank (columbiabankonline.com)
5 year Term
Minimum to earn APY $500
1.75% APY
Rates as of 2015-07-29
Comment
60 Month CD - Apply Online

Type: CD

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AloStar Bank of Commerce
5 year Term
Minimum to earn APY $1,000
1.75% APY
Rates as of 2015-07-29
Comment
APY for balances $1,000 - $49,999 - apply online

Type: CD

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Dollar Bank Federal Savings Bank
5 year Term
Minimum to earn APY $2,500
1.75% APY
Rates as of 2015-07-29
Comment
60 month CD - Traditional Term Certificate - Available in Pennsylvania and Ohio market area See more- Rate collected within: 15222 (PA)

Type: CD

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Rockland Trust
5 year Term
Minimum to earn APY $1,000
1.75% APY
Rates as of 2015-07-29

Type: CD

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Raymond James Bank
5 year Term
Minimum to earn APY $5,000
1.75% APY
Rates as of 2015-07-29
Comment
60 month CD

Type: CD

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Bank of The Valley
5 year Term
Minimum to earn APY $500
1.71% APY
Rates as of 2015-07-29
Comment
60 Month CD - Tier $500 - $4,999

Type: CD

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OneWest Bank
5 year Term
Minimum to earn APY $1,000
1.70% APY
Rates as of 2015-07-29
Comment
Online CD

Type: CD

Learn More

Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.

Showing 1 comment | Add your comment
me

17 February 2015 at 8:18 am

Why are rates now sorted by name and not highest rate. this makes this site basically useless as I now must waste an hour going through everything!

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