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Jumbo Money Market Accounts

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

Jumbo money market accounts can be effective for savers who want to earn higher interest rates while maintaining some measure of liquidity. Historically, these accounts required a minimum opening deposit of $100,000 in exchange for their best interest rate -- hence the term “jumbo.” But more recently, some banks have relaxed this requirement, making them more competitive with high yield savings accounts.

Money market accounts typically offer limited check-writing ability or debit-card access to funds, making liquidity a chief advantage over other types of savings accounts and CDs. And while jumbo MMAs are not meant to be used as a checking account, sometimes liquidity is important.

It is critical to do your research before opening a jumbo MMA because interest rates, account features, and fees vary widely from one financial institution to another. Search for the highest interest rate possible -- but also compare minimum opening deposit requirements, whether interest is compounded daily, and fee structure.

MoneyRates.com regularly monitors more than 400 money market account products, featuring some of the best interest rates for easy comparison. Here’s our methodology.

Best jumbo money market account rates found by users like you

Have you found better jumbo money market account 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, 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! 

Jumbo money market accounts vs. Jumbo CDs

One advantage a jumbo money market account has over a jumbo CD is liquidity – your money is available at any time whereas money invested in a jumbo CD has to remain there for the term of the CD (6 months, 1 year, 5 years or longer) in order to avoid early withdrawal penalties. If you do withdraw money from a jumbo account, though, you may be subject to fees if the balance goes below $100,000.

Accessibility to your funds is another reason to choose a jumbo money market account for your deposits. A jumbo account may come with the ability to write checks – although not all banks offer this. As with any financial vehicle, be sure to look at all of the terms and conditions of an account before you deposit your money. 

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Type: MMA
Rate
1.20 % APY
Min. to earn APY
$10000
  • 360 Money Market®
  • One of the Nation’s Top Rates Without Fees
  • Member FDIC
FDIC Insured
FDIC Insured 10/17/2017
Type: Savings
Rate
1.21 % APY
Min. to earn APY
$100000
  • FDIC coverage over 250K
  • Earn 1.30% for deposits of $230+
  • Member FDIC
FDIC Insured
FDIC Insured 10/17/2017
Type: Savings
Rate
1.30 % APY
Min. to earn APY
$1
  • Build your savings through great online savings rates
FDIC Insured
FDIC Insured 10/17/2017
Type: Savings
Rate
1.30 % APY
Min. to earn APY
$1
  • Great Rates + Safety = Peace of Mind
  • Member FDIC
FDIC Insured
FDIC Insured 10/17/2017
Type: Savings
Rate
1.30 % APY
Min. to earn APY
$0
  • A rate that's 14x better than the national average
  • No minimum balance and no hidden fees
  • Link directly to any existing bank account
FDIC Insured
FDIC Insured 10/17/2017
Type: Savings
Rate
1.20 % APY
Min. to earn APY
$0
  • 100% U.S. Based Customer Service
  • No monthly minimum balance, no monthly fees
  • Open in Minutes
FDIC Insured
FDIC Insured 10/17/2017
2017-10-14
SMART Savings Account - for young adults 18 yrs or younger, withdrawals prior to 18th See morebirthday may result in a penalty
2017-10-14
UFB Direct Money Market Savings Account offers a rate of .20% APY with interest compounded See moredaily - No monthly maintenance fee with a minimum $5,000 average daily collected balance; otherwise, the fee is $10.00 per month - Apply online
2017-10-04
Dollar Savings Account - apply online- must have a personal checking account in a US See morebank.
2017-10-13
Min. to earn APY
$0.01
Popular Direct Plus Savings - $4 monthly fee waived with $500 minimum daily balance
2017-10-13
eOne Savings - APY on balances of 0.01- $1,000,000. Companion account to eOne Checking, no See moreminimum balance, no monthly fees, free ATM card, Online applicants only, who do not have existing deposit accounts with Salem Five
2017-10-13
Min. to earn APY
$1
2017-10-12
Money Market Savings - up to 6 withdrawals are permitted per month - apply online See more- a division of Northeast Bank based in Maine
2017-10-14
Min. to earn APY
$25000
UFB Premium Savings Account offers a rate of 1.30% APY with interest compounded daily - See moreAPY for balances $25,000 and above - Must be new funds to receive stated rate
2017-10-13
Nationwide - Apply online
2017-08-25
Regular Savings - online savings account
2017-10-12
Min. to earn APY
$1
CIT Bank Savings - APY for daily balances $1 to $100,000 - Apply online
2017-10-12
High-Yield Savings - Bank by phone or online only.
2017-10-12
Online Savings - APY for all balances - Free online transactions, no monthly fees, no See moreminimums - Apply online - Rate collected within: CA
2017-10-13
Min. to earn APY
$2500
Radius High-Yield Savings - APY for balances $2,500 and above - apply online
2017-10-12
Min. to earn APY
$10000
360 Money Market - Tier $10,000 or more
2017-10-15
Online Savings Act - Rated Kiplinger's Best Online Savings Account, no minimums, no monthly fees, See moremanage accounts securely online
2017-10-13
Min. to earn APY
$10000.01
SmartyPig Savings - Tier $10,000.01 - $50,000
2017-10-16
Min. to earn APY
$25000
iGO Online Money Market
2017-10-12
Min. to earn APY
$1
Money Market Savings Account - No monthly maintenance fees - No minimum monthly balance requirements
2017-10-13
Min. to earn APY
$0.01
SmartyPig Savings - Tier $0.01 - $2,500
2017-10-12
High-Yield Savings - No monthly maintenance fees - No minimum monthly balance requirements
2017-10-13
Min. to earn APY
$2500.01
SmartyPig Savings - Tier $2500.01 - $10,000
2017-10-12
Limit of six transactions per month - APY for all balances - apply online
2017-10-04
Everything Savings - 1.00% APY on balances $20,000 and below when linked with an See moreEverything Checking Account. The rates require Everything Checking with six qualifying monthly posted payments for example: check, Online Banking bill payment, Telephone Banking bill payment, ACH debit, Point-of-Sale transactions (signature or PIN based).- Open online and mail in forms. Available in Pennsylvania, and Ohio market area. Rate collected within: 15222 (PA)
2017-10-16
iGO Online Savings
2017-10-14
Min. to earn APY
$1000
UBM Direct Savings Account
2017-10-12
Regular Savings - Maintain $1,000 balance each day and avoid a $25 monthly maintenance fee See more- Miami-Dade County, Florida market area only
2017-10-17
Min. to earn APY
$0.01
Kasasa Saver - Must be linked to a free Kasasa Cash or Kasasa Cash Back See morechecking account - 1.00% APY on balances up to $50,000 - No minimum balances - No monthly service fee
2017-10-13
High-Yield Savings - No minimum balance and no monthly service fees - Nationwide - Apply See moreonline
2017-08-25
MySavings Account
2017-10-14
Min. to earn APY
$20000
UFB Direct High-Interest Savings - Tier $20,000 and above - No monthly maintenance fee
2017-10-14
Min. to earn APY
$50000
Money Market -Tier $50,000 -$99,999.99
2017-10-15
Money Market Savings - Rate earned on balances from $0 to $250,000 - Transaction limitations See more- apply online
2017-10-12
Min. to earn APY
$3000
eSavings - Apply online or by mail, offer not available at branches.
2017-10-14
Min. to earn APY
$0.01
CIBC Palladian Savings - Currently there is a promotional interest rate for CIBC Palladian Savings See moreAccount which is fixed at 1.30% for the first six months. After the promotional interest rate ends, the interest rate will be the non-promotional variable interest rate that is offered for Palladian Savings Account at that time (currently 0.90%). There is a minimum initial deposit of $1,000 and maximum initial deposit of $100,000.
2017-10-12
Money Market Savings Account - APY for all balances - No monthly fees - See moreApply online - Rate collected within: CA
2017-10-12
Min. to earn APY
$100000
Premier Savings - You may access your funds only through ACH (ACH fee applies)
2017-08-02
Min. to earn APY
$1
Clear Sky Savings - Tier $1 - $249,999
2017-10-04
Yield Pledge Money Market - APY for all balances
2017-10-14
Money Market - Tier 0-$2,499.99
2017-10-14
Min. to earn APY
$2500
Money Market - Tier $2,500 - $24,999.99
2017-10-14
Min. to earn APY
$25000
Money Market - Tier $25,000 - $49,999.99
2017-10-12
Min. to earn APY
$2500
High Yield Savings - You may access your funds only through ACH (ACH fee applies)
2017-10-14
eMoney Market online account
2017-10-14
Min. to earn APY
$10000
eMoney Market online account
2017-10-14
Min. to earn APY
$25000
eMoney Market online account
2017-08-25
Min. to earn APY
$1000
Online Money Market - Rate/APY for balances from $1,000 - $1,000,000
2017-10-12
Money Market Checking - Tier Up to $14,999.99
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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