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If you have a large amount of money saved up, you could earn more interest by putting it in a jumbo certificate of deposit instead of a standard CD or high-yield savings account.
We set out to find the best jumbo CDs by comparing 65 accounts across 26 financial institutions, ranking each on factors that included interest rates, minimum deposit requirements, interest compounding schedules, term availability, general accessibility and customer experience. See which accounts scored highest and learn about the pros and cons of jumbo CDs.
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Summary: Best Jumbo CD Rates
Annual Percentage Yield
3.56% - 3.71%
Minimum Deposit Requirement
$100,000
Annual Percentage Yield
3.75% to 4.10%
Minimum Deposit Requirement
$100,000
Annual Percentage Yield
3.25% to 4.00%
Minimum Deposit Requirement
$25,000
Annual Percentage Yield
3.10% to 4.15%
Minimum Deposit Requirement
$75,000
Annual Percentage Yield
3.15% to 3.70%
Minimum Deposit Requirement
$100,000
Annual Percentage Yield
1.50% to 3.90%
Minimum Deposit Requirement
$100,000
Annual Percentage Yield
3.90% to 4.20%
Minimum Deposit Requirement
$50,000
Annual Percentage Yield
3.56% to 4.50%
Minimum Deposit Requirement
$50,000 or $99,000
Annual Percentage Yield
4.00% - 4.20%
Minimum Deposit Requirement
$100,000
Annual Percentage Yield
2.60% to 4.16%
Minimum Deposit Requirement
$100,000
Lafayette Federal Credit Union Jumbo Certificate
Annual Percentage Yield
3.56% - 3.71%
Minimum Deposit Requirement
$100,000
Interest Compounding Frequency
Monthly
3.56% - 3.71%
$100,000
Monthly
Editor's Take
Jumbo CDs from Lafayette Federal Credit Union topped our list, earning an impressive 3.56% - 3.71% APY. These CDs are available in terms ranging from one to five years and require a minimum deposit of $100,000. Interest compounds monthly.
Pros & Cons
- Highly competitive rates
- Additional deposits may be made during term
- Credit union membership required
- No shorter-term options
Details
Individuals who don’t qualify for membership at Lafayette FCU through work, location or family can become a member by joining the Home Ownership Financial Literacy Council (HOFLC), which requires a one-time fee of $10.
| CD TERM | APY |
|---|---|
| 1 Year | 3.56% |
| 2 Years | 3.71% |
| 3 Years | 3.71% |
| 4 Years | 3.66% |
| 5 Years | 3.61 |
State Department Federal Credit Union Jumbo Certificate
Annual Percentage Yield
3.75% to 4.10%
Minimum Deposit Requirement
$100,000
Interest Compounding Frequency
Quarterly
3.75% to 4.10%
$100,000
Quarterly
Editor's Take
State Department Federal Credit Union Jumbo Certificate are available in terms ranging from six months to five years, with rates ranging between 3.75% to 4.10% APY.
Jumbo bump-up CDs are also available in 17-, 30- and 45-month terms. These CDs allow account holders to raise their rate once before the CD matures.
Pros & Cons
- Competitive APYs
- Wide range of term lengths
- Quarterly compounding interest
- Membership required
Details
Employees and on-site contractors of the Department of State and their families are eligible for membership, as are members of one of SDFCU’s partner organizations. American Consumer Council members may also be eligible to join SDFCU.
| CD TERM | APY |
|---|---|
| 6 Months | 3.80% |
| 1 Year | 4.00% |
| 15 Months | 4.10% |
| 2 Years | 3.85% |
| 3 Years | 3.75% |
| 4 Years | 3.75% |
| 5 Years | 3.85% |
Digital Federal Credit Union Jumbo Certificate
Annual Percentage Yield
3.25% to 4.00%
Minimum Deposit Requirement
$25,000
Interest Compounding Frequency
Daily
3.25% to 4.00%
$25,000
Daily
Editor's Take
Digital Federal Credit Union Jumbo Certificates can be opened with a minimum deposit of $25,000, relatively low for a jumbo CD. Rates range from 3.25% to 4.00%, and interest compounds daily. Available terms range from three months to five years.
One unique feature of DCU CDs is that account holders can make unlimited add-ons to CDs with terms of 12 months or less. The minimum amount to add on is $100.
Pros & Cons
- Competitive APYs
- Daily compounding interest
- Lower minimum deposit requirement
- Add-on feature
- Membership required
- Relatively short grace period of five days at CD maturity
Details
If you don’t qualify for membership through the company you work for, the community you reside in or a family member, you can become eligible by joining one of DCU’s partner organizations. Fees range from $10 to $120, depending on the organization you choose.
| CD TERM | APY |
|---|---|
| 3 Months | 4.00% |
| 6 Months | 3.75% |
| 9 Months | 3.75% |
| 1 Year | 3.50% |
| 18 Months | 3.50% |
| 2 Years | 3.25% |
| 3 Years | 3.25% |
| 4 Years | 3.50% |
| 5 Years | 3.50% |
Alliant Credit Union Jumbo Certificates of Deposit
Annual Percentage Yield
3.10% to 4.15%
Rates and details as of 10/21/25.
Minimum Deposit Requirement
$75,000
Interest Compounding Frequency
Monthly
Learn More
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3.10% to 4.15%
Rates and details as of 10/21/25.
$75,000
Monthly
Editor's Take
Alliant Credit Union, one of the largest credit unions in the country, offers jumbo CDs requiring a minimum deposit of $75,000. Terms range from three months to five years. Interest compounds daily and rates range from 3.10% to 4.15% APY.
Pros & Cons
- Competitive APYs
- Wide range of term lengths
- Membership required
Details
You can become eligible for Alliant membership in a few ways, including becoming an Alliant Credit Union Foundation digital inclusion advocate. Alliant will make a one-time $5 contribution on your behalf.
| CD TERM | APY |
|---|---|
| 3 Months | 3.10% |
| 6 Months | 4.10% |
| 1 Year | 4.15% |
| 18 Months | 3.65% |
| 2 Years | 3.70% |
| 3 Years | 3.70% |
| 4 Years | 3.70% |
| 5 Years | 3.70% |
Rates & details as of 10/21/2025.
MSU Federal Credit Union Jumbo Certificate
Annual Percentage Yield
3.15% to 3.70%
Minimum Deposit Requirement
$100,000
Interest Compounding Frequency
Monthly
3.15% to 3.70%
$100,000
Monthly
Editor's Take
MSU Federal Credit Union offers jumbo CDs that require a $100,000 minimum deposit. Rates range from 3.15% to 3.70% APY, with interest compounding monthly. A wide range of term lengths is available. Short-term options range from three months to 18 months, while longer-term options include two-year CDs, three-year CDs, four-year CDs, five-year CDs and seven-year CDs.
Pros & Cons
- Competitive APYs
- Wide variety of terms
- Membership required
Details
If you’re not a Michigan resident, you can become eligible for membership by donating a minimum of $10 to the Desk Drawer Foundation.
| CD TERM | APY |
|---|---|
| 3 Months | 3.15% |
| 6 Months | 3.60% |
| 9 Months | 3.65% |
| 1 Year | 3.70% |
| 18 Months | 3.50% |
| 2 Years | 3.40% |
| 3 Years | 3.40% |
| 4 Years | 3.45% |
| 5 Years | 3.50% |
| 7 Years | 3.55% |
Navy Federal Credit Union Jumbo Standard Certificate
Annual Percentage Yield
1.50% to 3.90%
Minimum Deposit Requirement
$100,000
Interest Compounding Frequency
Daily
Learn More
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1.50% to 3.90%
$100,000
Daily
Editor's Take
Navy Federal Credit Union is the largest credit union in the nation and offers a variety of banking products and services, including jumbo CDs that require a $100,000 opening deposit. The lowest term available is a three-month CD, and the highest is a seven-year CD. Rates are reasonably competitive, except for the three-month term, which earns only 1.50% APY. Interest compounds daily.
Pros & Cons
- Daily compounding frequency
- Competitive APYs
- Seven-year term available
- Membership required
- Less competitive rate on three-month CD
Details
Active-duty military, veterans and their family members are eligible for membership, as are Department of Defense (DoD) employees.
| CD TERM | APY |
|---|---|
| 3 Months | 1.50% |
| 1 Year | 3.90% |
| 18 Months | 3.80% |
| 2 Years | 3.60% |
| 3 Years | 3.75% |
| 5 Years | 3.50% |
| 7 Years | 3.55% |
My eBanc Jumbo Online Time Deposit
Annual Percentage Yield
3.90% to 4.20%
Minimum Deposit Requirement
$50,000
Interest Compounding Frequency
Daily
Learn More
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3.90% to 4.20%
$50,000
Daily
Editor's Take
My eBanc Jumbo Online Time Deposit CD terms are relatively limited, with no terms longer than three years available. However, rates are highly competitive, reaching 3.90% APY. Plus, interest compounds daily, so you’ll earn more in the long run than you would with a monthly or quarterly compounding schedule.
Pros & Cons
- Highly competitive rates
- Daily compounding frequency
- Relatively lower minimum deposit requirement
- Limited range of terms
Details
As the only bank on our list, My eBanc has no membership requirements. You can open a CD account online.
| CD TERM | APY |
|---|---|
| 6 Months | 3.95% |
| 1 Year | 3.90% |
| 18 Months | 3.65% |
| 2 Years | 3.65% |
| 3 Years | 3.73% |
Hughes Federal Credit Union Jumbo Certificate
Annual Percentage Yield
3.56% to 4.50%
Minimum Deposit Requirement
$50,000 or $99,000
Interest Compounding Frequency
Daily
3.56% to 4.50%
$50,000 or $99,000
Daily
Editor's Take
Hughes Federal Credit Union offers “mini-jumbo” and jumbo certificates, which require minimum deposits of $50,000 or $99,000, respectively. Jumbo CDs earn higher rates, but rates on mini-jumbo options are still highly competitive—and won’t tie up as much of your cash.
Available terms range from six months to three years. The 17-month jumbo CD term earns an impressive rate: 4.29% APY. The only term with an unimpressive rate is the 29-month term, which earns just 4.34% APY no matter the balance.
Pros & Cons
- Relatively lower minimum deposit requirement for mini-jumbo CDs
- Competitive APYs on most terms
- No terms longer than three years
- Membership required
Details
If you live outside of Tucson, Arizona, you can receive membership eligibility by making a $10 donation to one of three libraries in the state.
| CD TERM | APY (MINI-JUMBO) | APY (JUMBO) |
|---|---|---|
| 6 Months | 3.35% | 3.41% |
| 1 Year | 3.87% | 3.41% |
| 17 Months | 4.45% | 4.29% |
| 2 Years | 3.67% | 4.29% |
| 29 Months | 0.05% | 4.34% |
| 30 Months | 4.29% | 4.13% |
| 3 Years | 3.51% | 3.56% |
Blaze Credit Union Jumbo Certificates
Annual Percentage Yield
4.00% - 4.20%
Minimum Deposit Requirement
$100,000
Interest Compounding Frequency
Quarterly
4.00% - 4.20%
$100,000
Quarterly
Editor's Take
Although jumbo CDs from Blaze Credit Union are only available in a limited selection of terms (one to five years), rates are competitive, ranging from 4.00% - 4.20% APY. However, dividends are compounded quarterly.
Pros & Cons
- Competitive APYs
- Quarterly compounding frequency
- Limited range of terms
- Membership required
Details
If you don’t live in an eligible county or work for one of Blaze Credit Union’s partner companies or organizations, you can make a one-time donation of $10 to the Blaze Foundation for membership.
| CD TERM | APY |
|---|---|
| 1 Year | 4.20% |
| 2 Years | 4.00% |
| 3 Years | 4.00% |
| 4 Years | 4.00% |
| 5 Years | 4.00% |
Connexus Credit Union Jumbo Certificate
Annual Percentage Yield
2.60% to 4.16%
Minimum Deposit Requirement
$100,000
Interest Compounding Frequency
Quarterly
Learn More
Read Our Review
2.60% to 4.16%
$100,000
Quarterly
Editor's Take
While Connexus Credit Union Jumbo Certificates offer decent rates, most are lower than the other accounts on this list. The only exception is Connexus’s two-year CD, which earns a competitive rate of APY. Rates on other terms range from 2.60% to 4.16% APY.
Pros & Cons
- Two-year term earns a competitive APY
- Less competitive APYs than other accounts on this list
- Limited range of terms
- Interest compounds quarterly
Details
Anyone can become a member by joining the Connexus Association through a one-time $5 donation.
| CD TERM | APY |
|---|---|
| 1 Year | 2.60% |
| 2 Years | 4.16% |
| 3 Years | 2.75% |
| 4 Years | 3.10% |
| 5 Years | 2.60% |
Pros and Cons of Jumbo CDs
A jumbo CD is the same as a standard CD, except that it pays a higher APY in exchange for a significantly larger opening deposit, typically around $100,000. Like standard CDs, jumbo CDs offer fixed interest rates, and a range of term lengths is available.
These are the pros and cons of jumbo CDs.
| PROS | CONS |
|---|---|
| High APYs | High minimum deposit requirements |
| Guaranteed returns | Lack of liquidity |
| Range of term lengths | Early withdrawal penalties |
Jumbo CDs vs. Standard CDs
These are some ways that jumbo CDs differ from standard CDs.
- Minimum deposit requirements: Jumbo CDs require significantly higher deposits than standard CDs, typically around $100,000.
- Rates: Both the best standard CDs and best jumbo CDs earn competitive rates. While jumbo CDs sometimes offer higher rates than standard CDs, this isn’t always the case.
- Insurance: One thing to think about when opening a jumbo CD is keeping your deposits safe. Standard and jumbo CDs both receive FDIC coverage up to $250,000 per depositor, per account, but jumbo CD deposits are more likely to exceed that limit.
Alternatives To Jumbo CDs
High-Yield Savings Accounts
If you’re looking for a savings account that earns a high yield but offers more liquidity than a jumbo CD, a high-yield savings account could be a suitable option. Unlike CDs, high-yield savings accounts allow account holders to withdraw funds without penalty. However, interest rates on HYSAs are variable, so you won’t be able to lock in a high rate in the same way you would with a jumbo CD.
Standard CDs
Opting for a standard CD may be a better choice than locking up more of your funds in a jumbo CD. Currently, the best CD rates are on par with the best jumbo CD rates, and many have low to no minimum deposit requirements. With a standard CD, you won’t have to tie up as much cash as you would with a jumbo CD, making it accessible for more savers.
Higher-Risk Investments
Returns on CDs are lower than what you could earn with higher-risk investments, like stocks or exchange-traded funds (ETFs).
Find The Best CD Rates Of 2025
Methodology
To create this list, Forbes Advisor analyzed 65 jumbo CDs at 26 financial institutions, including a mix of traditional brick-and-mortar banks, online banks and credit unions. We ranked each account on 11 data points within the categories of fees, access, customer experience, digital experience, minimums and APY.
The following is the weighting assigned to each category:
- APY: 55%
- Minimum deposit requirement: 10%
- Compound interest schedule: 5%
- Available terms: 5%
- General availability: 5%
- Institution rating on App Store: 3.75%
- Institution rating on Google Play: 3.75%
- Better Business Bureau rating: 3.75%
- Trustpilot rating: 3.75%
- Online banking: 2.50%
- Live chat feature: 2.50%
Frequently Asked Questions (FAQs)
How do I find the highest jumbo CD rates?
You can typically find the best rates on CDs from online banks or credit unions, as opposed to large, national banks.
Are jumbo CD rates fixed or variable?
Jumbo CDs, like standard CDs, offer fixed rates.
What is the minimum deposit required for a jumbo CD?
Minimum deposit requirements vary among jumbo CDs but often may be $100,000.
