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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

1.05%APY

Rates as of 4/23/2017
FDIC Insured

Advertiser Comments

  • Build your savings through great online savings rates

Type: MMA

Minimum to earn APY $10000

1.00%APY

Rates as of 4/23/2017
FDIC Insured

Advertiser Comments

  • Earn up to 1.00% APY, plus a $200 bonus when you open
  • 360 Money Market ℠
  • One of the Nations Top Rates Without Fees

Type: Savings

Minimum to earn APY $0

1.00%APY

Rates as of 4/23/2017
FDIC Insured

Advertiser Comments

  • A rate that's 12x better than the national average
  • No minimum balance and no hidden fees
  • Link directly to any existing bank account

Type: Savings

Minimum to earn APY $0

1.05%APY

Rates as of 4/23/2017
FDIC Insured

Advertiser Comments

  • Member FDIC
  • ID Theft Resolution Services

Type: Savings

Minimum to earn APY $0

0.95%APY

Rates as of 4/23/2017
FDIC Insured

Advertiser Comments

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

Type: Savings

Minimum to earn APY $25

0.01%APY

Rates as of 4/23/2017
FDIC Insured

Advertiser Comments

  • Earning customer trust & loyalty since the gold rush.
  • Enroll in Way2Save® for automatic savings.
  • Use account management tools to easily track your money.
TD Bank (Rate in NY)
Minimum to earn APY $10,000
0.15% APY
Rates as of 2017-04-15
Comment
TD Growth Money Market Tier $10,000 - $24,999 - Without Qualified Account Activity - See more $12 monthly fee waived with $2,000 minimum daily balance or if age 62 or over - Rate collected within: New York City, NY

Type: MMA

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USAA Bank
Minimum to earn APY $10,000
0.15% APY
Rates as of 2017-04-15
Comment
USAA Savings - Tier $10,000 - $24,999 - USAA Bank is a member based See morebank providing services to active and retired military personnel and their families. Most banking products are available to the general public. See website for details

Type: Savings

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PNC Bank (Rate in NY)
Minimum to earn APY $25,000
0.11% APY
Rates as of 2017-04-15
Comment
Premiere Money Market - $25,000 - $49,999 - $10 monthly fee waived with $1,000 average See moredaily balance - Rate collected within: 10017 (NY)

Type: MMA

Learn More
USAA Bank
Minimum to earn APY $5,000
0.10% APY
Rates as of 2017-04-15
Comment
USAA Savings - Tier $5,000 - $9,999 - USAA Bank is a member based See morebank providing services to active and retired military personnel and their families. Most banking products are available to the general public. See website for details

Type: Savings

Learn More
TD Bank (Rate in NY)
Minimum to earn APY $5,000
0.10% APY
Rates as of 2017-04-15
Comment
TD Growth Money Market Tier $5,000 - $9,999 - Without Qualified Account Activity - See more$12 monthly fee waived with $2,000 minimum daily balance or if age 62 or over - Rate collected within: New York City, NY

Type: MMA

Learn More
PNC Bank (Rate in NY)
Minimum to earn APY $10,000
0.09% APY
Rates as of 2017-04-15
Comment
Premiere Money Market - $10,000 - $24,999 - $10 monthly fee waived with $1,000 average See moredaily balance - Rate collected within:10017 (NY)

Type: MMA

Learn More
Union Bank
Minimum to earn APY $25,000
0.08% APY
Rates as of 2017-04-15
Comment
Money Market - Tier $25,000-$49,999 - Rate collected within: CA

Type: MMA

Learn More
TD Bank (Rate in NY)
Minimum to earn APY $2,000
0.05% APY
Rates as of 2017-04-15
Comment
TD Growth Money Market Tier $2,000 - $4,999 - Without Qualified Account Activity - See more$12 monthly fee waived with $2,000 minimum daily balance or if age 62 or over - Rate collected within: New York City, NY

Type: MMA

Learn More
TD Bank (Rate in NY)
Minimum to earn APY $0
0.05% APY
Rates as of 2017-04-15
Comment
TD Simple Savings - APY for all balances - Rate collected within: New York City, See moreNY

Type: Savings

Learn More
USAA Bank
Minimum to earn APY $0
0.05% APY
Rates as of 2017-04-15
Comment
USAA Savings - Tier $0 - $999 - USAA Bank is a member based See morebank providing services to active and retired military personnel and their families. Most banking products are available to the general public. See website for details

Type: Savings

Learn More
Union Bank
Minimum to earn APY $2,500
0.05% APY
Rates as of 2017-04-15
Comment
Money Market - Tier $2,500-$24,999 - Rate collected within: CA

Type: MMA

Learn More
USAA Bank
Minimum to earn APY $1,000
0.05% APY
Rates as of 2017-04-15
Comment
USAA Savings - Tier $1,000 - $4,999 - USAA Bank is a member See morebased bank providing services to active and retired military personnel and their families. Most banking products are available to the general public. See website for details

Type: Savings

Learn More
Citibank
Minimum to earn APY $10,000
0.04% APY
Rates as of 2017-04-19
Comment
Citibank Savings Plus - Rates apply to accounts opened online, in a branch or by See morecalling - APY for balances between $10,000 - $24,999.99 - Rate Collected within: NY

Type: MMA

Learn More
Citibank
Minimum to earn APY $25,000
0.04% APY
Rates as of 2017-04-19
Comment
Citibank Savings Plus - Rates apply to accounts opened online, in a branch or by See morecalling - APY for balances between $25,000 - $49,999.99 - Rate Collected within: NY

Type: MMA

Learn More
TD Bank (Rate in NY)
Minimum to earn APY $1,000
0.03% APY
Rates as of 2017-04-15
Comment
TD Growth Money Market Tier $1,000 - $1,999 - Without Qualified Account Activity - See more$12 monthly fee waived with $2,000 minimum daily balance or if age 62 or over - Rate collected within: New York City, NY

Type: MMA

Learn More
TD Bank (Rate in NY)
Minimum to earn APY $0
0.03% APY
Rates as of 2017-04-15
Comment
TD Growth Money Market Tier - $0 - $999 - Without Qualified Account Activity See more- $12 monthly fee waived with $2,000 minimum daily balance or if age 62 or over - Rate collected within: New York City, NY

Type: MMA

Learn More
PNC Bank (Rate in NY)
Minimum to earn APY $1
0.03% APY
Rates as of 2017-04-15
Comment
Premiere Money Market - $1.00- $9,999.99 - Rate collected within: 10017 (NY)

Type: MMA

Learn More
Fifth Third Bank
Minimum to earn APY $10,000
0.02% APY
Rates as of 2017-04-21
Comment
Standard Money Market - Tier $10,000 - $24,999 - Rate collected within: 60625 (IL)

Type: MMA

Learn More
Union Bank
Minimum to earn APY $0
0.01% APY
Rates as of 2017-04-15
Comment
Regular Savings - Tier $0-$2,499 - Rate collected within: CA

Type: Savings

Learn More
Union Bank
Minimum to earn APY $10,000
0.01% APY
Rates as of 2017-04-15
Comment
Regular Savings - Tier $10,000-$24,999 - Rate collected within: CA

Type: Savings

Learn More
HSBC
Minimum to earn APY $1
0.01% APY
Rates as of 2017-04-18
Comment
HSBC Everyday Savings - APY for balances $1 and above - Stated rate is for See moreaccounts opened by phone

Type: Savings

Learn More
Fifth Third Bank
Minimum to earn APY $10,000
0.01% APY
Rates as of 2017-04-12
Comment
FifthThird Goal Setter Savings- Tier $10,000 - $24,999 - Rate collected within: 60625 (IL)

Type: Savings

Learn More
Union Bank
Minimum to earn APY $0
0.01% APY
Rates as of 2017-04-15
Comment
Money Market - Tier $0-$2,499 - Rate collected within: CA

Type: MMA

Learn More
Union Bank
Minimum to earn APY $25,000
0.01% APY
Rates as of 2017-04-15
Comment
Regular Savings - Tier $25,000-$49,999 - Rate collected within: CA

Type: Savings

Learn More
PNC Bank (Rate in NY)
Minimum to earn APY $1
0.01% APY
Rates as of 2017-04-15
Comment
Standard Savings - All balances - Rate collected within: 10017 (NY)

Type: Savings

Learn More
Fifth Third Bank
Minimum to earn APY $1
0.01% APY
Rates as of 2017-04-12
Comment
FifthThird Goal Setter Savings - Tier $0.01 - $9,999 - Rate collected within: 60625 See more(IL)

Type: Savings

Learn More
Fifth Third Bank
Minimum to earn APY $1
0.01% APY
Rates as of 2017-04-12
Comment
Fifth Third Standard Money Market Standard -Tier $0.01 - $9,999 - Rate collected within: See more60625 (IL)

Type: MMA

Learn More
Citibank
Minimum to earn APY $0
0.01% APY
Rates as of 2017-04-19
Comment
Citibank Savings - Basic Package - $4.50 monthly fee is waived with $500 minimum daily See morebalance

Type: Savings

Learn More
Citibank
Minimum to earn APY $0
0.01% APY
Rates as of 2017-04-19
Comment
Citibank Savings Plus - Rates apply to accounts opened online, in a branch or by See morecalling - APY for balances below $10,000 - Rate Collected within: NY

Type: MMA

Learn More
Union Bank
Minimum to earn APY $2,500
0.01% APY
Rates as of 2017-04-15
Comment
Regular Savings - Tier $2,500-$9,999 - Rate collected within: CA

Type: Savings

Learn More
Ultima Bank
Minimum to earn APY $0
2.02% APY
Rates as of 2017-04-15
Comment
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
1.25% APY
Rates as of 2017-04-21
Comment
Dollar Savings Account - apply online- must have a personal checking account in a US See morebank.

Type: Savings

Learn More
MyBankingDirect
Minimum to earn APY $5,000
1.15% APY
Rates as of 2017-04-19
Comment
MyBankingDirect Money Market Account - Rate earned on balances $5,000 and up - New money See moreonly.

Type: MMA

Learn More
Salem Five Direct
Minimum to earn APY $0
1.10% APY
Rates as of 2017-04-15
Comment
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
iGOBanking
Minimum to earn APY $0
1.10% APY
Rates as of 2017-04-18
Comment
iGO Online Money Market

Type: MMA

Learn More
SFGI Direct
Minimum to earn APY $1
1.06% APY
Rates as of 2017-04-15

Type: Savings

Learn More
Sallie Mae Bank
Minimum to earn APY $0
1.05% APY
Rates as of 2017-04-15
Comment
Nationwide - Apply online

Type: MMA

Learn More
AloStar Bank of Commerce
Minimum to earn APY $0
1.05% APY
Rates as of 2017-04-19
Comment
Limit of six transactions per month - apply online

Type: Savings

Learn More
CIT Bank
Minimum to earn APY $0
1.05% APY
Rates as of 2017-04-19
Comment
CIT Savings - APY for daily balances below $25,000 - apply online

Type: Savings

Learn More
Ally Bank
Minimum to earn APY $0
1.00% APY
Rates as of 2017-04-19
Comment
Online Savings - Free online transactions, no monthly fees, no minimums - Apply online See more- Rate collected within: CA

Type: Savings

Learn More
Ultima Bank
Minimum to earn APY $1,000
1.00% APY
Rates as of 2017-04-15
Comment
UBM Direct Savings Account

Type: Savings

Learn More
iGOBanking
Minimum to earn APY $0
1.00% APY
Rates as of 2017-04-18
Comment
iGO Online Savings

Type: Savings

Learn More
UFB Direct
Minimum to earn APY $25,000
1.00% APY
Rates as of 2017-04-15
Comment
UFB Direct High-Yield Savings - Tier $25,000 and above - No monthly maintenance fee

Type: Savings

Learn More
Biscayne Bank
Minimum to earn APY $1
1.00% APY
Rates as of 2017-04-19
Comment
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
ableBanking
Minimum to earn APY $0
1.00% APY
Rates as of 2017-04-21
Comment
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
Radius Bank
Minimum to earn APY $2,500
1.00% APY
Rates as of 2017-04-15
Comment
Radius High-Yield Savings - APY for balances $2,500 and above - apply online

Type: Savings

Learn More
Capital One 360
Minimum to earn APY $10,000
1.00% APY
Rates as of 2017-04-19
Comment
360 Money Market - Tier $10,000 or more

Type: MMA

Learn More
Dollar Bank Federal Savings Bank
Minimum to earn APY $0
1.00% APY
Rates as of 2017-04-21
Comment
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
SmartyPig
Minimum to earn APY $10,000
0.95% APY
Rates as of 2017-04-15
Comment
SmartyPig Savings - Tier $10,000.01 - $50,000

Type: Savings

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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