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Jumbo Savings Accounts

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

Jumbo savings accounts pay higher interest rates than regular savings accounts, making these accounts more attractive to serious savers. To benefit from high interest jumbo savings accounts, institutions traditionally required a high minimum deposit to open with a minimum balance requirement.

However, some banks are relaxing these standards and it is now possible to find a regular savings account paying the equivalent of jumbo savings account rates that has no minimum deposit to open or minimum balance requirement. It’s a matter of doing the research to find the best interest rates and terms before you open your account.

MoneyRates.com regularly monitors more than 300 savings account products, featuring some of the best interest rates for easy comparison. Here’s our methodology.

Best jumbo savings account rates found by users like you

Have you found better jumbo savings 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, 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!

Money market vs. savings accounts for jumbo deposits

To get the most out of their deposits, consumers should understand the differences between money market accounts and savings accounts.

Withdrawals on money market accounts may be limited to a certain number per month, typically between three and six, and check-writing ability is also limited. Account holders can make unlimited withdrawals per month on a savings account. But if you're depositing a large sum into a jumbo savings account to earn higher bank rates, you probably aren't going to be making a lot of withdrawals.

Check out our rates for savings and money market accounts to find the best bank for you.

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Type: Savings
Rate
1.30 % APY
Min. to earn APY
$100
  • Earn 22x+ the national average
  • 1.35% APY on balances up to $100k
  • No account opening or maintenance fees - Member FDIC
FDIC Insured
FDIC Insured 9/25/2017
Type: MMA
Rate
1.20 % APY
Min. to earn APY
$10000
  • 360 Money Market®
  • One of the Nations Top Rates Without Fees
  • Member FDIC
FDIC Insured
FDIC Insured 9/25/2017
Type: Savings
Rate
1.20 % APY
Min. to earn APY
$100000
  • FDIC coverage over 250K
  • Earn 1.30% for deposits of $230+
  • Member FDIC
FDIC Insured
FDIC Insured 9/25/2017
Type: Savings
Rate
1.20 % APY
Min. to earn APY
$0
  • Consistently Competitive Rates
  • 24/7 Customer Care
  • Ally Bank, Member FDIC
FDIC Insured
FDIC Insured 9/25/2017
Type: Savings
Rate
1.30 % APY
Min. to earn APY
$1
  • Great Rates + Safety = Peace of Mind
  • Member FDIC
FDIC Insured
FDIC Insured 9/25/2017
Type: Savings
Rate
1.20 % APY
Min. to earn APY
$0
  • A rate that's 15x better than the national average
  • No minimum balance and no hidden fees
  • Link directly to any existing bank account
FDIC Insured
FDIC Insured 9/25/2017
Type: Savings
Rate
1.20 % APY
Min. to earn APY
$1
  • Build your savings through great online savings rates
FDIC Insured
FDIC Insured 9/25/2017
Type: Savings
Rate
1.15 % 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 9/25/2017
Type: MMA
Rate
0.90 % APY
Min. to earn APY
$0
  • Debit card access.
  • Open and fund with any amount.
  • Ally Bank, Member FDIC.
FDIC Insured
FDIC Insured 9/25/2017
2017-09-24
SMART Savings Account - for young adults 18 yrs or younger, withdrawals prior to 18th See morebirthday may result in a penalty
2017-09-24
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
2017-09-20
Dollar Savings Account - apply online- must have a personal checking account in a US See morebank.
2017-09-24
eOne Savings - APY on balances up to $500,000. 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
2017-09-24
Min. to earn APY
$1
2017-09-20
Money Market Savings - up to 6 withdrawals are permitted per month - apply online See more- a division of Northeast Bank based in Maine
2017-09-24
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
2017-09-24
Nationwide - Apply online
2017-08-25
Regular Savings - online savings account
2017-09-24
Popular Direct Plus Savings - $4 monthly fee waived with $500 minimum daily balance
2017-09-24
Min. to earn APY
$2500
Radius High-Yield Savings - APY for balances $2,500 and above - apply online
2017-09-20
Min. to earn APY
$10000
360 Money Market - Tier $10,000 or more
2017-08-24
Online Savings Act - Rated Kiplinger's Best Online Savings Account, no minimums, no monthly fees, See moremanage accounts securely online
2017-09-20
High-Yield Savings - Bank by phone or online only.
2017-09-24
Min. to earn APY
$10000
SmartyPig Savings - Tier $10,000.01 - $50,000
2017-08-25
Min. to earn APY
$25000
iGO Online Money Market
2017-09-20
Min. to earn APY
$1
Money Market Savings Account - No monthly maintenance fees - No minimum monthly balance requirements
2017-09-24
SmartyPig Savings - Tier $0.01 - $2,500
2017-09-20
High-Yield Savings - No monthly maintenance fees - No minimum monthly balance requirements
2017-09-24
Min. to earn APY
$2500
SmartyPig Savings - Tier $2500.01 - $10,000
2017-09-20
Limit of six transactions per month - APY for all balances - apply online
2017-09-20
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)
2017-08-25
iGO Online Savings
2017-09-24
Min. to earn APY
$1000
UBM Direct Savings Account
2017-09-20
Regular Savings - Maintain $1,000 balance each day and avoid a $25 monthly maintenance fee See more- Miami-Dade County, Florida market area only
2017-08-25
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
2017-09-24
High-Yield Savings - No minimum balance and no monthly service fees - Nationwide - Apply See moreonline
2017-08-25
MySavings Account
2017-09-24
Min. to earn APY
$20000
UFB Direct High-Yield Savings - Tier $20,000 and above - No monthly maintenance fee
2017-09-13
Money Market Savings - Rate earned on balances from $0 to $250,000 - Transaction limitations See more- apply online
2017-09-20
Min. to earn APY
$3000
eSavings - Apply online or by mail, offer not available at branches.
2017-09-24
Currently there is a promotional interest rate for Palladian Savings Account which is fixed at See more1.30% 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.
2017-09-20
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
2017-09-20
Yield Pledge Money Market - APY for all balances
2017-09-24
Money Market - Tier 0-$2,499
2017-09-24
Min. to earn APY
$2500
Money Market - Tier $2,500 - $24,999
2017-09-24
Min. to earn APY
$25000
Money Market - Tier $25,000 - $49,999
2017-09-24
Min. to earn APY
$50000
Money Market -Tier $50,000 -$99,999
2017-09-20
Min. to earn APY
$2500
High Yield Savings - You may access your funds only through ACH (ACH fee applies)
2017-09-24
eMoney Market online account
2017-09-24
Min. to earn APY
$10000
eMoney Market online account
2017-09-24
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
2017-09-20
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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