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Jumbo CD Rates

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As its name implies, a jumbo CD is big. Most jumbo CDs require a $100,000 minimum investment, but they offer a higher interest rate for that money. The longer the term of the certificate of deposit, the higher the interest rate will be.

The interest rate on a jumbo CD may be about 1 percent higher than the rate on a regular CD.

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. While it doesn’t seem likely that interest rates will rise before late 2015, if they do rise, you don’t want to be stuck with a CD paying 1.5 percent when there are others available at higher rates.

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.

MoneyRates.com scours banks to find the best CD rates, whether regular CDs or jumbos.

 Account Type
 Term
 Amount

5 Yr. Term
$0 Minimum to earn APY

2.00%APY

Rates as of 2/28/2015
FDIC Insured

Advertiser Comments

  • Get our best rate with the Ally Ten Day Best Rate Guarantee.
  • Open and fund with any amount.
  • Member FDIC.

See more rates

F and A Federal Credit Union
5 year Term
Minimum to earn APY $1,000
2.38% APY
Rates as of 2015-02-25
Comment
Term Share Certificate - 60 Months (1825 days) - Must be a member - County See moreof Los Angeles, CA

Type: CD

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EverBank
5 year Term
Minimum to earn APY $1,500
2.33% APY
Rates as of 2015-02-25
Comment
Yield Pledge CD

Type: CD

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CIT Bank
5 year Term
Minimum to earn APY $100,000
2.32% APY
Rates as of 2015-02-25
Comment
Jumbo CD - Apply online - Minimum deposit to open $100,000

Type: CD

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Melrose Credit Union
5 year Term
Minimum to earn APY $5,000
2.27% APY
Rates as of 2015-02-25
Comment
Share Certificate - contact Melrose CU for opening paperwork - Must be a member

Type: CD

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Barclays
5 year Term
Minimum to earn APY $0
2.25% APY
Rates as of 2015-02-25
Comment
60 Month Online CD

Type: CD

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CIT Bank
5 year Term
Minimum to earn APY $1,000
2.25% APY
Rates as of 2015-02-25
Comment
Term CD - Apply online

Type: CD

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GE Capital Bank
5 year Term
Minimum to earn APY $500
2.25% APY
Rates as of 2015-02-24
Comment
Open online - Maximum deposit amount $1,000,000

Type: CD

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Nationwide Bank
5 year Term
Minimum to earn APY $100,000
2.20% APY
Rates as of 2015-02-25
Comment
60 Month CD - for balances in Tier $100,000 or higher

Type: CD

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Nationwide Bank
5 year Term
Minimum to earn APY $500
2.15% APY
Rates as of 2015-02-25
Comment
60 Month CD - for balances in Tier $0-$9,999

Type: CD

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First Internet Bank
5 year Term
Minimum to earn APY $1,000
2.10% APY
Rates as of 2015-02-25
Comment
60 month CD

Type: CD

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Discover Bank
5 year Term
Minimum to earn APY $2,500
2.10% APY
Rates as of 2015-02-25

Type: CD

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Sallie Mae Bank
5 year Term
Minimum to earn APY $2,500
2.10% APY
Rates as of 2015-02-25
Comment
60 Month -Nationwide - apply online

Type: CD

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Avon Co-Operative Bank
5 year Term
Minimum to earn APY $1,000
2.07% APY
Rates as of 2015-02-25
Comment
60 Month CD - Located in Avon, MA

Type: CD

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State Bank of India
5 year Term
Minimum to earn APY $5,000
2.05% APY
Rates as of 2015-02-25
Comment
Certificate of Deposit Accounts, New York Branch - for CD 5 years and above

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 2015-02-25

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 2015-02-25
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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Geddes Federal Savings and Loan Association
5 year Term
Minimum to earn APY $500
2.00% APY
Rates as of 2015-02-24
Comment
Central New York market area only

Type: CD

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Webster Bank
5 year Term
Minimum to earn APY $1,000
2.00% APY
Rates as of 2015-02-25
Comment
5 Year CD Tier $1,000-$2,499

Type: CD

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National Penn Bank
5 year Term
Minimum to earn APY $500
2.00% APY
Rates as of 2015-02-25
Comment
58 Month CD

Type: CD

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Boiling Springs Savings Bank
5 year Term
Minimum to earn APY $1,000
2.00% APY
Rates as of 2015-02-25
Comment
Apply at a branch

Type: CD

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Columbia Bank (columbiabankonline.com)
5 year Term
Minimum to earn APY $500
2.00% APY
Rates as of 2015-02-25
Comment
60 Month CD - Apply Online

Type: CD

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BBVA Compass (Rate in CA)
5 year Term
Minimum to earn APY $500
2.00% APY
Rates as of 2015-02-25
Comment
60 Month Regular CD - Rate collected within: Northern CA

Type: CD

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BBVA Compass (Rate in AL)
5 year Term
Minimum to earn APY $500
2.00% APY
Rates as of 2015-02-25
Comment
60 Month Regular CD - Rate collected within: Birmingham, AL

Type: CD

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Connexus Credit Union
5 year Term
Minimum to earn APY $10,000
2.00% APY
Rates as of 2015-02-25
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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North American Savings Bank
5 year Term
Minimum to earn APY $1,000
1.95% APY
Rates as of 2015-02-25
Comment
60 - 120 Month CD

Type: CD

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State Farm Bank (Rate in NY)
5 year Term
Minimum to earn APY $500
1.95% APY
Rates as of 2015-02-25
Comment
60 Month CD - Less than $100,000 - Rate collected within: 10025 (NY)

Type: CD

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Washington Federal
5 year Term
Minimum to earn APY $1,000
1.95% APY
Rates as of 2015-02-25
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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Doral Bank
5 year Term
Minimum to earn APY $500
1.95% APY
Rates as of 2015-02-25
Comment
60 Month CD - Rates may vary based on location - Rate collected within: NY See more

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 2015-02-25

Type: CD

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Kearny Federal Savings Bank
5 year Term
Minimum to earn APY $500
1.90% APY
Rates as of 2015-02-24

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 2015-02-25
Comment
60 Month CD

Type: CD

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TheBANK of Edwardsville
5 year Term
Minimum to earn APY $1,000
1.85% APY
Rates as of 2015-02-25
Comment
60 Month CD. IL market area only

Type: CD

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Virtual Bank
5 year Term
Minimum to earn APY $10,000
1.81% APY
Rates as of 2015-02-26
Comment
eCD rates for online account only

Type: CD

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Wings Financial Credit Union
5 year Term
Minimum to earn APY $500
1.76% APY
Rates as of 2015-02-25
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 2015-02-25

Type: CD

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The Dime Savings Bank
5 year Term
Minimum to earn APY $500
1.75% APY
Rates as of 2015-02-25
Comment
Apply online - located in New York

Type: CD

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Rockland Trust
5 year Term
Minimum to earn APY $1,000
1.75% APY
Rates as of 2015-02-18

Type: CD

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Bank of The Valley
5 year Term
Minimum to earn APY $500
1.71% APY
Rates as of 2015-02-25
Comment
60 Month CD - Tier $500 - $4,999

Type: CD

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Fort Knox Credit Union
5 year Term
Minimum to earn APY $500
1.70% APY
Rates as of 2015-02-25
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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Wildfire Credit Union
5 year Term
Minimum to earn APY $2,000
1.70% APY
Rates as of 2015-02-25
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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MidFirst Bank
5 year Term
Minimum to earn APY $5,000
1.70% APY
Rates as of 2015-02-25
Comment
Callable Relationship - 60 Month with 1 year lock. Rate collected within AL.

Type: CD

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Merchants Bank (mbvt.com)
5 year Term
Minimum to earn APY $500
1.66% APY
Rates as of 2015-02-25
Comment
60 Month CD - Vermont market area only

Type: CD

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Amalgamated Bank
5 year Term
Minimum to earn APY $500
1.65% APY
Rates as of 2015-02-25
Comment
Promotional CD - maximum deposit $100,000 - rates may very by region

Type: CD

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Sandy Spring Bank
5 year Term
Minimum to earn APY $1,000
1.65% APY
Rates as of 2015-02-25
Comment
60 Month CD - Rates may vary based on location

Type: CD

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Lake City Federal Bank
5 year Term
Minimum to earn APY $1,000
1.61% APY
Rates as of 2015-02-24
Comment
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.

Type: CD

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Pentagon Federal Credit Union
5 year Term
Minimum to earn APY $1,000
1.61% APY
Rates as of 2015-02-25
Comment
Money Market Certificates - membership is open to U.S. military

Type: CD

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Dollar Bank Federal Savings Bank
5 year Term
Minimum to earn APY $2,500
1.60% APY
Rates as of 2015-02-25
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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Ridgewood Bank
5 year Term
Minimum to earn APY $500
1.60% APY
Rates as of 2015-02-26
Comment
60 month CD

Type: CD

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Black River Country Bank
5 year Term
Minimum to earn APY $1,000
1.56% APY
Rates as of 2015-02-25

Type: CD

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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.

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