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Jumbo CD Rates

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

Jumbo certificates of deposit (CDs) are attractive to savers because, in exchange for a higher minimum deposit, you can often enjoy higher CD rates than with a regular CD account.

As of September 18, 2017, U.S. institutions had a national average of 0.30% for 1 year CD rates for jumbo accounts, according to the Federal Deposit Insurance Corporation. By comparison, some institutions featured on MoneyRates.com have rates higher than a 1.5% annual percentage yield.

Traditionally, jumbo CD rates were reserved for certificates of deposit with a minimum opening deposit of $100,000. However, some banks are relaxing these standards, especially for longer-term CDs.  For example, the highest CD rates on 5-year CDs may apply at balances well below $100,000.

It is now possible to find a CD paying the equivalent of jumbo CD rates but with little or no minimum deposit. To find the best interest rates and terms, it’s simply a matter of doing the research before you open your account.

That’s why MoneyRates.com regularly monitors more than 800 CD products, featuring some of the best interest rates for easy comparison. Here’s our methodology.

Best jumbo CD rates found by users like you

Have you found better jumbo CD 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! 

Jumbo CD rates vs. non-jumbo rates

So what's the best way to research and compare bank rates?

For one, MoneyRates tracks the best CD rates for you, with some rates higher than the national average.

U.S. institutions had a national average of 0.30% for 1 year CD rates for jumbo accounts, according to the Federal Deposit Insurance Corporation update on September 18, 2017. In comparison, some institutions featured on MoneyRates.com have rates higher than a 2% annual percentage yield.

Whether investing in regular or jumbo CDs, you could look into building a CD ladder that could help maximize yields to grow your money. 

Investing in jumbo CD rates? Beware of early withdrawal penalties

However, be aware of charges if you withdraw from your jumbo savings account too early. Before investing in, say, a 5 year jumbo CD with 1.5% 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.

Another point to remember when investing in jumbo CD accounts: CDs have FDIC insurance coverage up to $250,000 per depositor, per institution. Keep an eye on the total in your account to be sure you don’t exceed this.

Compare jumbo accounts in the table below to find the highest jumbo CD rates and great perks. 

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FDIC Insured
Rates as of 11/19/2017
Min. to earn APY
$500
  • 10-day CD Rate Guarantee
  • Choose your monthly interest disbursement
  • Low $500 minimum deposit
FDIC Insured
Rates as of 11/19/2017
Term
Rate
APY
5 Years
2.37%
GO
6 Months
0.60%
GO
9 Months
1.34%
GO
1 Year
1.64%
GO
1.5 Years
1.69%
GO
2 Years
1.74%
GO
3 Years
1.98%
GO
4 Years
1.88%
GO
FDIC Insured
Rates as of 11/19/2017
Min. to earn APY
$25000
  • Great Rates + Safety = Peace of Mind
  • Member FDIC
FDIC Insured
Rates as of 11/19/2017
Term
Rate
APY
5 Years
2.32%
GO
6 Months
0.41%
GO
1 Year
1.49%
GO
1.5 Years
1.64%
GO
2 Years
1.73%
GO
3 Years
1.83%
GO
4 Years
1.98%
GO
Rates as of 2017-11-18
Min. to earn APY
$1000
60 Month CD
Rates as of 2017-11-15
CD - 60 Month
Rates as of 2017-11-18
Min. to earn APY
$10000
eCD rates for online account only
Rates as of 2017-11-18
Min. to earn APY
$10000
Rates as of 2017-11-16
Min. to earn APY
$1000
60 month CD
Rates as of 2017-11-12
Min. to earn APY
$5000
Certificate of Deposit Accounts, New York Branch - for CD 5 years and above
Rates as of 2017-11-18
Min. to earn APY
$2500
60 Month - Nationwide - Apply online
Rates as of 2017-11-16
Min. to earn APY
$5000
Yield Pledge CD
Rates as of 2017-11-15
60 Month Online CD - No minimum opening balance or deposit required to open
Rates as of 2017-11-18
Min. to earn APY
$5000
Share Certificate - contact Melrose CU for opening paperwork - Must be a member
Rates as of 2017-11-18
Min. to earn APY
$1000
Money Market Certificates - membership is open to U.S. military
Rates as of 2017-11-18
Min. to earn APY
$1000
Rates as of 2017-11-16
Min. to earn APY
$2500
Rates as of 2017-11-15
Min. to earn APY
$1000
60 Month CD
Rates as of 2017-11-15
High-Yield CD - Tier $0 - $4,999.99 - Apply online - Rate collected within: CA
Rates as of 2017-11-17
Min. to earn APY
$10000
5 Year CD - Rates collected within: Northern California
Rates as of 2017-11-18
Min. to earn APY
$1000
60 Month CD - Rate offer not valid for accounts opened with funds coming from See morean existing Popular Account. - Rates collected within: New York
Rates as of 2017-11-15
Min. to earn APY
$1000
60 Month CD
Rates as of 2017-11-16
Min. to earn APY
$500
Long Term Accounts
Rates as of 2017-11-18
Min. to earn APY
$500
must be a member and reside in Texas, Colorado or Utah - apply online - See moreRate collected within: 78203 (TX)
Rates as of 2017-11-15
Min. to earn APY
$1000
60 Month CD - Rates may vary by location - limited to local market area See more- Rate collected within: Champaign and Ford counties (IL)
Rates as of 2017-11-16
Min. to earn APY
$1000
60 month CD
Rates as of 2017-11-17
Min. to earn APY
$500
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.
Rates as of 2017-11-17
Min. to earn APY
$500
60 Month Term Share Certificate
Rates as of 2017-11-18
Min. to earn APY
$1000
Personal CD 60 Month - open online, $5,000 to open
Rates as of 2017-11-18
Min. to earn APY
$5000
60 month CD
Rates as of 2017-11-15
Min. to earn APY
$500
CD Tier $500 - $9,999.99 - Membership is limited to employees of the air transportation See moreindustry, as well as those who live or work in select counties of the Minneapolis/St. Paul, MN, metro area
Rates as of 2017-11-15
Min. to earn APY
$1000
Apply at a branch
Rates as of 2017-11-15
Min. to earn APY
$500
60 Month Promotional CD - New money only
Rates as of 2017-11-18
Min. to earn APY
$500
60 Month CD - Less than $100,000 - Rate collected within: 10025 (NY)
Rates as of 2017-11-17
Min. to earn APY
$500
Rates as of 2017-11-15
Min. to earn APY
$1000
60 Month CD
Rates as of 2017-11-18
Min. to earn APY
$100000
60 Month CD - $100,000 minimum balance
Rates as of 2017-11-15
Min. to earn APY
$1000
Rates as of 2017-11-18
Min. to earn APY
$500
5 Year CD - Must be a member of O Bee Credit Union
Rates as of 2017-11-18
Min. to earn APY
$500
60 Month CD - for balances in Tier $0-$9,999
Rates as of 2017-11-15
Min. to earn APY
$500
60 Month CD. Account must be opened in person in Effingham, IL
Rates as of 2017-11-17
Min. to earn APY
$500
Central New York market area only
Rates as of 2017-11-17
Min. to earn APY
$1000
Local funds only, contact retail offices in Ohio
Rates as of 2017-11-18
Min. to earn APY
$500
60 Month CD
Rates as of 2017-11-18
Min. to earn APY
$500
Rates as of 2017-11-15
Min. to earn APY
$2000
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.
Rates as of 2017-11-18
Min. to earn APY
$1000
60 Month CD
Rates as of 2017-11-18
Min. to earn APY
$500
Apply online - located in New York
Rates as of 2017-11-15
Min. to earn APY
$1000
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
Rates as of 2017-11-16
Min. to earn APY
$2500
60 Month CD - Traditional Term Certificate - Available in Pennsylvania and Ohio market area See more- Rate collected within: 15222 (PA)
Rates as of 2017-11-18
Min. to earn APY
$5000
Callable Relationship - 60 Month with 1 year lock.
Rates as of 2017-11-18
Min. to earn APY
$500
60 month CD
Rates as of 2017-11-17
Min. to earn APY
$1000
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.
Rates as of 2017-11-15
Min. to earn APY
$1000
5 Year CD Tier $1,000-$2,499
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.
2 Comments
Jeanne Dietsch 14 February 2017 at 10:20 am

NOTE: Be sure the account is FDIC insured before you give them your money!

me 17 February 2015 at 8:18 am

Why are rates now sorted by name and not highest rate. this makes this site basically useless as I now must waste an hour going through everything!