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Advertiser Disclosure: Many of the savings offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all deposit accounts available.

Compare Jumbo Savings Accounts

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 typically require a high minimum deposit to open, usually $2,500, and require you to maintain that balance. Savings accounts with the jumbo label have deposits greater than $100,000.

Jumbo accounts are often money market accounts and while big banks are known to have large deposits, jumbo savings accounts are also commonly offered by credit unions.

Deposits are insured by the Federal Deposit Insurance Corporation and the National Credit Union Share Insurance Fund up to $250,000 per depositor, per institution.

The national rate for jumbo savings accounts is 0.06%, according to the FDIC's update on Jan. 23, 2017.

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.

 Account Type
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Currently banking with:

Type: Savings

Minimum to earn APY $0

1.40%APY

Rates as of 8/22/2017
FDIC Insured

Advertiser Comments

  • Earn 17x the national average
  • No hidden fees and no minimum balance to open
  • Deposits are insured by the FDIC up to the maximum allowed by law.

Type: Savings

Minimum to earn APY $100000

1.20%APY

Rates as of 8/22/2017
FDIC Insured

Advertiser Comments

  • FDIC coverage over 250K
  • Earn 1.30% for deposits of $230+
  • Member FDIC

Type: Savings

Minimum to earn APY $1

1.20%APY

Rates as of 8/22/2017
FDIC Insured

Advertiser Comments

  • Build your savings through great online savings rates

Type: Savings

Minimum to earn APY $1

1.20%APY

Rates as of 8/22/2017
FDIC Insured

Advertiser Comments

  • Great Rates + Safety = Peace of Mind
  • Member FDIC

Type: Savings

Minimum to earn APY $0

1.20%APY

Rates as of 8/22/2017
FDIC Insured

Advertiser Comments

  • A rate that's 15x better than the national average
  • No minimum balance and no hidden fees
  • Link directly to any existing bank account

Type: MMA

Minimum to earn APY $10000

1.10%APY

Rates as of 8/22/2017
FDIC Insured

Advertiser Comments

  • 360 Money Market®
  • One of the Nation’s Top Rates Without Fees
  • Member FDIC

Type: Savings

Minimum to earn APY $0

1.15%APY

Rates as of 8/22/2017
FDIC Insured

Advertiser Comments

  • Consistently Competitive Rates
  • 24/7 Customer Care
  • Ally Bank, Member FDIC

Type: Savings

Minimum to earn APY $0

1.15%APY

Rates as of 8/22/2017
FDIC Insured

Advertiser Comments

  • 100% U.S. Based Customer Service
  • No monthly minimum balance, no monthly fees
  • Open in Minutes

Type: MMA

Minimum to earn APY $0

0.85%APY

Rates as of 8/22/2017
FDIC Insured

Advertiser Comments

  • Debit card access.
  • Open and fund with any amount.
  • Ally Bank, Member FDIC.
Ultima Bank
Minimum to earn APY $0
2.02% APY
Rates as of 2017-08-19
Advertiser Comments
SMART Savings Account - for young adults 18 yrs or younger, withdrawals prior to 18th See morebirthday may result in a penalty

Type: Savings

Learn More
Dollar Savings Direct
Minimum to earn APY $0
1.40% APY
Rates as of 2017-08-17
Advertiser Comments
Dollar Savings Account - apply online- must have a personal checking account in a US See morebank.

Type: Savings

Learn More
Salem Five Direct
Minimum to earn APY $0
1.35% APY
Rates as of 2017-08-19
Advertiser Comments
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

Type: Savings

Learn More
BankDirect
Minimum to earn APY $10,000
1.35% APY
Rates as of 2017-08-16
Advertiser Comments
BankDirect Online Money Market - Tier $10,000 and greater

Type: MMA

Learn More
ableBanking
Minimum to earn APY $0
1.30% APY
Rates as of 2017-08-16
Advertiser Comments
Money Market Savings - up to 6 withdrawals are permitted per month - apply online See more- a division of Northeast Bank based in Maine

Type: MMA

Learn More
UFB Direct
Minimum to earn APY $50,000
1.30% APY
Rates as of 2017-08-19
Advertiser Comments
UFB Premium Savings Account offers a rate of 1.30% APY with interest compounded daily - See moreAPY for balances $50,000 and above - Must be new funds to receive stated rate

Type: Savings

Learn More
Sallie Mae Bank
Minimum to earn APY $0
1.30% APY
Rates as of 2017-08-19
Advertiser Comments
Nationwide - Apply online

Type: MMA

Learn More
CIT Bank
Minimum to earn APY $1
1.30% APY
Rates as of 2017-08-16
Advertiser Comments
CIT Bank Savings - APY for daily balances $1 to $100,000 - Apply online

Type: Savings

Learn More
SFGI Direct
Minimum to earn APY $1
1.21% APY
Rates as of 2017-08-19

Type: Savings

Learn More
Popular Direct
Minimum to earn APY $0
1.21% APY
Rates as of 2017-08-19
Advertiser Comments
Popular Direct Savings - $4 monthly fee waived with $500 minimum daily balance

Type: Savings

Learn More
EverBank
Minimum to earn APY $0
1.21% APY
Rates as of 2017-08-17
Advertiser Comments
Yield Pledge Money Market - APY for all balances

Type: MMA

Learn More
Radius Bank
Minimum to earn APY $2,500
1.20% APY
Rates as of 2017-08-19
Advertiser Comments
Radius High-Yield Savings - APY for balances $2,500 and above - apply online

Type: Savings

Learn More
American Express
Minimum to earn APY $0
1.15% APY
Rates as of 2017-08-16
Advertiser Comments
High-Yield Savings - Bank by phone or online only.

Type: Savings

Learn More
SmartyPig
Minimum to earn APY $10,000
1.15% APY
Rates as of 2017-08-19
Advertiser Comments
SmartyPig Savings - Tier $10,000.01 - $50,000

Type: Savings

Learn More
FNBO Direct
Minimum to earn APY $0
1.10% APY
Rates as of 2017-08-17
Advertiser Comments
Online Savings Act - Rated Kiplinger's Best Online Savings Account, no minimums, no monthly fees, See moremanage accounts securely online

Type: Savings

Learn More
iGOBanking
Minimum to earn APY $25,000
1.10% APY
Rates as of 2017-08-18
Advertiser Comments
iGO Online Money Market

Type: MMA

Learn More
Capital One 360
Minimum to earn APY $10,000
1.10% APY
Rates as of 2017-08-16
Advertiser Comments
360 Money Market - Tier $10,000 or more

Type: MMA

Learn More
SmartyPig
Minimum to earn APY $0
1.05% APY
Rates as of 2017-08-19
Advertiser Comments
SmartyPig Savings - Tier $0.01 - $2,500

Type: Savings

Learn More
SmartyPig
Minimum to earn APY $2,500
1.05% APY
Rates as of 2017-08-19
Advertiser Comments
SmartyPig Savings - Tier $2500.01 - $10,000

Type: Savings

Learn More
AloStar Bank of Commerce
Minimum to earn APY $0
1.05% APY
Rates as of 2017-08-16
Advertiser Comments
Limit of six transactions per month - apply online

Type: Savings

Learn More
Dollar Bank Federal Savings Bank
Minimum to earn APY $0
1.00% APY
Rates as of 2017-08-17
Advertiser Comments
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)

Type: Savings

Learn More
iGOBanking
Minimum to earn APY $0
1.00% APY
Rates as of 2017-08-18
Advertiser Comments
iGO Online Savings

Type: Savings

Learn More
Ultima Bank
Minimum to earn APY $1,000
1.00% APY
Rates as of 2017-08-19
Advertiser Comments
UBM Direct Savings Account

Type: Savings

Learn More
Biscayne Bank
Minimum to earn APY $1
1.00% APY
Rates as of 2017-08-16
Advertiser Comments
Regular Savings - Maintain $1,000 balance each day and avoid a $25 monthly maintenance fee See more- Miami-Dade County, Florida market area only

Type: Savings

Learn More
Main Street Bank
Minimum to earn APY $0
1.00% APY
Rates as of 2017-08-18
Advertiser Comments
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

Type: Savings

Learn More
Sallie Mae Bank
Minimum to earn APY $0
1.00% APY
Rates as of 2017-08-19
Advertiser Comments
High-Yield Savings - No minimum balance and no monthly service fees - Nationwide - Apply See moreonline

Type: Savings

Learn More
MySavingsDirect
Minimum to earn APY $0
1.00% APY
Rates as of 2017-08-18
Advertiser Comments
MySavings Account

Type: Savings

Learn More
UFB Direct
Minimum to earn APY $25,000
1.00% APY
Rates as of 2017-08-19
Advertiser Comments
UFB Direct High-Yield Savings - Tier $25,000 and above - No monthly maintenance fee

Type: Savings

Learn More
First Internet Bank
Minimum to earn APY $0
0.90% APY
Rates as of 2017-08-17
Advertiser Comments
Money Market Savings - Rate earned on balances from $0 to $250,000 - Transaction limitations See more- apply online

Type: MMA

Learn More
The Palladian Private Bank
Minimum to earn APY $0
0.90% APY
Rates as of 2017-08-19
Advertiser Comments
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.

Type: Savings

Learn More
Colorado Federal Savings Bank
Minimum to earn APY $100,000
0.90% APY
Rates as of 2017-08-16
Advertiser Comments
Premier Savings - You may access your funds only through ACH (ACH fee applies)

Type: Savings

Learn More
Chesapeake Bank
Minimum to earn APY $1
0.90% APY
Rates as of 2017-08-02
Advertiser Comments
Clear Sky Savings - Tier $1 - $249,999

Type: Savings

Learn More
Colorado Federal Savings Bank
Minimum to earn APY $2,500
0.85% APY
Rates as of 2017-08-16
Advertiser Comments
High Yield Savings - You may access your funds only through ACH (ACH fee applies)

Type: Savings

Learn More
EH National Bank
Minimum to earn APY $100,000
0.85% APY
Rates as of 2017-08-17
Advertiser Comments
Premium Money Market - Tier $100,000 and over

Type: MMA

Learn More
EH National Bank
Minimum to earn APY $0
0.81% APY
Rates as of 2017-08-17
Advertiser Comments
Premium Money Market - Tier $0 - $99,999.99

Type: MMA

Learn More
Virtual Bank
Minimum to earn APY $0
0.80% APY
Rates as of 2017-08-19
Advertiser Comments
eMoney Market online account

Type: MMA

Learn More
Virtual Bank
Minimum to earn APY $10,000
0.80% APY
Rates as of 2017-08-19
Advertiser Comments
eMoney Market online account

Type: MMA

Learn More
Virtual Bank
Minimum to earn APY $25,000
0.80% APY
Rates as of 2017-08-19
Advertiser Comments
eMoney Market online account

Type: MMA

Learn More
Amboy Direct
Minimum to earn APY $3,000
0.80% APY
Rates as of 2017-08-16
Advertiser Comments
eSavings - Apply online or by mail, offer not available at branches.

Type: Savings

Learn More
EH National Bank
Minimum to earn APY $0
0.79% APY
Rates as of 2017-08-17
Advertiser Comments
Personal Savings - Must maintain a $1000 balance to avoid monthly $10 fee

Type: Savings

Learn More
Mutual of Omaha Bank
Minimum to earn APY $1,000
0.77% APY
Rates as of 2017-08-18
Advertiser Comments
Online Money Market - Rate/APY for balances from $1,000 - $1,000,000

Type: MMA

Learn More
Bank of Internet
Minimum to earn APY $1
0.75% APY
Rates as of 2017-08-16
Advertiser Comments
Money Market Savings Account - No monthly maintenance fees - No minimum monthly balance requirements

Type: MMA

Learn More
California First National Bank
Minimum to earn APY $0
0.75% APY
Rates as of 2017-08-16
Advertiser Comments
Money Market Checking - Tier Up to $14,999.99

Type: MMA

Learn More
Workers' Credit Union
Minimum to earn APY $50
0.75% APY
Rates as of 2017-08-16
Advertiser Comments
cuSave - Online Savings - Membership is limited to residents of Massachusetts or New Hampshire See moreor those who work for a company that is based in Massachusetts

Type: Savings

Learn More
Nationwide Bank
Minimum to earn APY $100,000
0.75% APY
Rates as of 2017-08-18
Advertiser Comments
Tiered Money Market - tier $100,000 - apply online

Type: MMA

Learn More
TIAA Direct
Minimum to earn APY $50,000
0.75% APY
Rates as of 2017-08-19
Advertiser Comments
Money Market -Tier $50,000 -$99,999

Type: MMA

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.

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