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Jumbo CD Rates

Compare jumbo CD accounts and interest rates from hundreds of banks to help maximize your earnings.

Jumbo certificates of deposit (CDs) are attractive to savers because, in exchange for a higher minimum deposit, you can often enjoy higher CD rates than with a regular CD account.

As of September 18, 2017, U.S. institutions had a national average of 0.30% for 1 year CD rates for jumbo accounts, according to the Federal Deposit Insurance Corporation. By comparison, some institutions featured on MoneyRates.com have rates higher than a 1.5% annual percentage yield.

Traditionally, jumbo CD rates were reserved for certificates of deposit with a minimum opening deposit of $100,000. However, some banks are relaxing these standards, especially for longer-term CDs.  For example, the highest CD rates on 5-year CDs may apply at balances well below $100,000.

It is now possible to find a CD paying the equivalent of jumbo CD rates but with little or no minimum deposit. To find the best interest rates and terms, it’s simply a matter of doing the research before you open your account.

That’s why MoneyRates.com regularly monitors more than 800 CD products, featuring some of the best interest rates for easy comparison. Here’s our methodology.

Best jumbo CD rates found by users like you

Have you found better jumbo CD rates than those displayed above? If so, please share them with us and other MoneyRates users!

Give us the details – please include the name of the bank, term of the account, when you opened the account and whether the account can be opened online or only in the branch (if the latter, please include the location of the branch). Thank you! 

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FDIC Insured
9/22/2017
Min. to earn APY
$500
  • 10-day CD Rate Guarantee
  • Choose your monthly interest disbursement
  • Low $500 minimum deposit
FDIC Insured
9/22/2017
Term
Rate
APY
1 year
1.49%
GO
3 years
1.98%
GO
6 months
0.60%
GO
1.5 years
1.54%
GO
4 years
1.88%
GO
9 months
0.70%
GO
5 years
2.37%
GO
2 years
1.64%
GO
FDIC Insured
9/22/2017
Min. to earn APY
$2000
  • Great Rates + Safety = Peace of Mind
  • Member FDIC
FDIC Insured
9/22/2017
Term
Rate
APY
1 year
1.49%
GO
3 years
1.83%
GO
6 months
0.41%
GO
1.5 years
1.64%
GO
4 years
1.98%
GO
5 years
2.32%
GO
2 years
1.73%
GO
FDIC Insured
9/22/2017
Min. to earn APY
$0
  • Consistently Competitive Rates
  • 24/7 Customer Care
  • Ally Bank, Member FDIC
FDIC Insured
9/22/2017
Term
Rate
APY
1 year
1.34%
GO
3 years
1.59%
GO
1.5 years
1.34%
GO
5 years
2.23%
GO
2017-09-20
Min. to earn APY
$5000
Yield Pledge CD
2017-09-17
Min. to earn APY
$5000
Certificate of Deposit Accounts, New York Branch
2017-09-16
Min. to earn APY
$10000
2017-09-17
Min. to earn APY
$10000
eCD rates for online account only
2017-09-13
Min. to earn APY
$1000
12 month CD
2017-09-20
Min. to earn APY
$10000
Anytime Access CD - Simple Interest $10,000 Minimum Opening Balance
2017-09-16
Min. to earn APY
$2500
12 Month - Nationwide - Apply online
2017-08-25
Min. to earn APY
$2500
12 Month CD - Simple interest - Minimum deposit to open an account is $2,500, See morethe maximum amount is $250,000 per account - Live Oak Bank is headquartered in Wilmington, North Carolina
2017-09-20
Min. to earn APY
$10000
12 Month CD
2017-08-25
Min. to earn APY
$100000
12 Month CD - $100,000 minimum balance
2017-09-20
12 Month Online CD
2017-08-25
Min. to earn APY
$500
12 Month CD - for balances in Tier $0-$9,999
2017-09-16
Min. to earn APY
$1000
12 Month CD. Money Market CD-membership is open to U.S. military
2017-08-25
Min. to earn APY
$5000
Share Certificate - Contact Melrose CU for opening paperwork - Must be a member
2017-09-20
Min. to earn APY
$5000
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
2017-09-16
Min. to earn APY
$500
1 Yr Plus CD - People's United linked personal checking account required - Rate collected See morewithin NY (10025)
2017-09-20
Min. to earn APY
$1000
2017-09-17
Min. to earn APY
$1000
12 Month CD
2017-09-13
Min. to earn APY
$500
Long Term Accounts
2017-09-20
Min. to earn APY
$2500
12 Month CD
2017-08-24
Min. to earn APY
$5000
12 Month - Rate collected in Arizona
2017-09-20
Min. to earn APY
$5000
Online CD
2017-09-20
Min. to earn APY
$1000
APY for balances $1,000 - $49,999 - apply online
2017-09-20
Min. to earn APY
$1000
Term CD - Apply online
2017-08-24
Min. to earn APY
$2500
12 Month - Giant Personal CD
2017-09-20
Min. to earn APY
$1000
Located in Texas
2017-08-25
Min. to earn APY
$250
12-23 Month CD
2017-08-24
Min. to earn APY
$1000
2017-09-20
Min. to earn APY
$25000
Ramp-Up Plus CD - Available in 1- and 2-year terms - Minimum deposit of $25,000 See more(maximum $250,000) - Option to increase your rate once during the term of your CD if bank rates go up (limits may apply) - Freedom to add to your original deposit once during the term of your CD
2017-09-20
Min. to earn APY
$1000
Rate may vary by location. Rate collected within: 94104 (CA)
2017-08-25
Min. to earn APY
$1000
Short Term CD
2017-08-25
Min. to earn APY
$500
2017-09-16
Min. to earn APY
$5000
12 month
2017-09-20
Min. to earn APY
$500
12 Month CD - Apply online
2017-09-20
Min. to earn APY
$10000
Located in Iowa - local market only
2017-09-16
Min. to earn APY
$1000
2017-09-20
Min. to earn APY
$1000
12 Month CD
2017-08-25
Min. to earn APY
$1000
12 Month CD
2017-09-20
Min. to earn APY
$500
12 Month Promotional CD - New money only
2017-09-20
Min. to earn APY
$500
12-23 month CD
2017-09-20
Min. to earn APY
$1000
12 Month CD
2017-09-17
Min. to earn APY
$1000
12 Month CD
2017-09-16
Min. to earn APY
$1000
12 Month CD - Limited to Northwest Iowa market area
2017-08-25
Min. to earn APY
$1000
Lake City considers its trade area to be within a 30 mile radius of Lake See moreCity, MN and reserves the right to reject any deposit or application outside the trade area.
2017-09-20
Min. to earn APY
$500
CD - Maximum deposit $249,999
2017-09-16
Min. to earn APY
$1000
12 Month Auto Renew CD
2017-09-16
Min. to earn APY
$500
Membership is limited to select employer groups. See website for complete list of eligible employers. See more
2017-08-25
Min. to earn APY
$1000
Online only - 12 Month CD
2017-08-25
Min. to earn APY
$1000
1 Year Plus 1 Day CD - Stated rate is for accounts opened by phone
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.
2 Comments
Jeanne Dietsch 14 February 2017 at 10:20 am

NOTE: Be sure the account is FDIC insured before you give them your money!

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!