- The Best Jumbo CD Rates
- Credit One Bank
- Connexus
- Alliant Credit Union
- Veridian Credit Union
- Consumers Credit Union
- State Bank of Texas
- USAA
- Navy Federal Credit Union
- What Drives Jumbo CD Rates
- Should You Invest?
- FAQs
- Why You Should Trust Us
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A jumbo CD is a type of CD with a high minimum deposit that pays a higher interest rate than a regular CD. A jumbo CD may be worthwhile if you have a substantial amount of money to deposit upfront. But some regular CDs pay even higher rates than jumbo CDs right now, so shop around before making your choice.
Jumbo CDs aren't common, and ones that pay high interest rates are even less common. If you're also interested in other types of CDs, check out our overall best CD rates guide.
Best Jumbo CD Rates
- Credit One Bank Jumbo CD: 4.00% to 5.40% APY
- Connexus Jumbo Certificates: 3.46% to 5.25% APY
- Alliant Credit Union Jumbo CD: 4.05% to 5.10% APY
- Veridian Credit Union Jumbo CD: 0.40% to 5.10% APY
- Consumers Credit Union Jumbo CD: 0.50% to 5.05% APY
- State Bank of Texas 1 Year CD Special: 5.05% APY
- USAA Jumbo CD: 0.05% to 4.90% APY
- Navy Federal Credit Union Standard Certificate: 2.75% to 4.85% APY
Compare the Top Jumbo CDs
Below are our top picks for the best banks for jumbo CDs. The best jumbo CDs have either competitive interest rates or a variety of terms.
We've selected options from both banks and credit unions, so you have a variety of options to choose from. Credit unions have membership eligibility requirements, but most of our top picks have more open eligibility criteria than regional or local institutions.
Credit One Bank Jumbo CD
Credit One Bank Jumbo CD
Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Annual Percentage Yield (APY)4.00% to 5.40%
Minimum Opening Deposit$100,000
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. If Credit One raises its CD rates up to 10 days from when you opened your account, it will automatically raise your CD rate
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers Bump-Up Jumbo CD
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Standard early withdrawal penalties
- con icon Two crossed lines that form an 'X'. Customer service for jumbo deposit accounts isn’t 24/7
- con icon Two crossed lines that form an 'X'. Only one physical branch
- Early withdrawal penalty of 90 days simple interest for terms from 6 months to 1 year
- Early withdrawal penalty of 180 days simple interest for terms from 18 months to 5 years
- One branch location
- Interest compounds daily, deposits monthly
- Member FDIC
Credit One Bank's 12-month rate for its jumbo CD is particularly strong, although its 6-month jumbo CD also offers a good rate. In addition, Credit One Bank offers a Bump-Up Jumbo CD that lets you raise your CD rate once during its term length if Credit One's CD rates go up. You might like Credit One's jumbo CD if you're interested in a bump-up jumbo CD, and you have at least $100,000 to open an account.
Credit One Bank is largely an online bank, so it only has one physical branch location in Las Vegas. If you'd prefer to bank in-person and you don't live in Las Vegas, Credit One Bank might not be the bank for you.
Term length options: Credit One Bank offers jumbo certificates ranging from 6 months to 5 years. It also offers bump-up jumbo certificates for 2-year and 3-year term lengths.
Connexus Jumbo Certificates
Connexus Jumbo Certificates Start saving Connexus Credit Union, NCUA Insured.
Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Annual Percentage Yield (APY)3.46% to 5.25%
Minimum Opening Deposit$100,000
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive APY
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easy to become a credit union member
- con icon Two crossed lines that form an 'X'. Limited CD terms
- con icon Two crossed lines that form an 'X'. Standard-to-high early withdrawal penalties
- Term lengths ranging from 10 months to 5 years
- 90 days dividends early withdrawal penalty for terms of 1 year or less CDs; 180 days dividends penalty for 2-year, 3-year, 4-year CDs; 365 days dividends penalty for 5-year CDs
- Interest is compounded quarterly and paid quarterly
- Federally insured by the NCUA
Connexus Credit Union may be a great option if you prioritize banking with a credit union. Connexus offers particularly high CD rates on 1-year and 2-year terms.
Connexus Jumbo Certificates have steep early withdrawal penalties, though. Connexus Credit Union also requires membership. The easiest way to become a member regardless of where you live in the U.S. is to join the Connexus Association by making an initial $5 donation.
Term length options: Jumbo Certificates range from 1 year to 5 years.
Alliant Credit Union Jumbo CD
Alliant Credit Union Jumbo CD Start saving Alliant Credit Union, NCUA Insured
Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Annual Percentage Yield (APY)4.05% to 5.10%
Minimum Opening Deposit$75,000
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive APY
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low-to-standard early withdrawal penalties
- con icon Two crossed lines that form an 'X'. Interest compounded monthly, not daily
- con icon Two crossed lines that form an 'X'. No terms over 5 years
- Several ways to become a member; the easiest is to join Foster Care to Success (Alliant will cover your $5 membership fee)
- Early withdrawal penalties: 90 days of interest for term of 17 months or less; 120 days of interest for terms between 18 months and 23 months; 180 days of interest for terms between 24 months and 48 months, or 60 months
- Interest compounded monthly
- Federally insured by the NCUA
Alliant Credit Union has a 12-month certificate with a high jumbo CD rate available right now. It also has terms ranging from 3 months to 60 months with good rates. You might like an Alliant Jumbo certificate if you have at least $75,000 to open an account.
Keep in mind credit unions require you to become a member to open an account. Alliant allows you to open a bank account regardless of where you live in the United States. The easiest way to become a member is to join Foster Care to Success, and Alliant will cover your $5 joining fee.
Term length options: Alliant offers jumbo certificates ranging from three months to 60 months.
Veridian Credit Union Jumbo CD
Veridian Credit Union Jumbo CD Read Review
Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Annual Percentage Yield (APY)0.40% to 5.10%
Minimum Opening Deposit$100,000
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Solid interest rates compared to other brick-and-mortar financial institutions
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Variety of short-term CDs
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Standard early withdrawal penalties
- con icon Two crossed lines that form an 'X'. Online banks may offer a higher interest rate on CDs
- con icon Two crossed lines that form an 'X'. No standard terms 4 years or over
- con icon Two crossed lines that form an 'X'. $100,000 minimum opening deposit
- 30 branches in Iowa and Nebraska
- To become a member at Veridian Credit Union you must meet one of the following requirements: You live or work for a business in any Iowa county or select Nebraska counties (Cass, Douglas, Lancaster, Sarpy, Saunders, or Washington); You have a family member that is a current Veridian Credit Union member; You donate $5 to the Habitat for Humanity of Iowa when you apply for membership at Veridian Credit Union
- Standard CD terms range from 7 months to 39 months
- Early withdrawal penalites: For terms 1 year of less the penalty is 90 days of interest; For terms longer than 1 year the penalty is 180 days of interest
- Interest compounded and deposited quarterly
- Federally insured by the NCUA
Veridian Credit Union offers strong rates for its jumbo CDs, especially for its 6-month CD. It also offers bump-up jumbo CDs, which allow you to raise your rate after opening the CD if the credit union's rates go up. Most jumbo CDs are fixed-rate CDs, so if you're looking for a specialty jumbo CD, Veridian might be a good choice for you.
Since Veridian is a credit union, it has to put limits on who can join. Fortunately, Veridian is easier to join than most credit unions. Anyone can join if they make at least a $5 donation to Habitat for Humanity of Iowa as part of their membership application. If you live or work in specific parts of Iowa, Minnesota, or Nebraska, or if an immediate family member lives or works in those, areas, you can join without donating.
Term length options: Veridian offers jumbo certificates ranging from six months to 41 months. It also offers bump-up jumbo CDs in addition to fixed-rate jumbo CDs.
Consumers Credit Union Jumbo CD
Consumers Credit Union Jumbo CD Start saving Consumers Credit Union, NCUA Insured
Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Annual Percentage Yield (APY)0.50% to 5.05%
Minimum Opening Deposit$250 to $100,000
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive interest rates
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Compounds interest daily, more often than most credit unions
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low early withdrawal penalties
- con icon Two crossed lines that form an 'X'. $100,000 minimum deposit for most terms
- con icon Two crossed lines that form an 'X'. No terms over 5 years
- Join Consumers Credit Union by paying a $5 membership fee to the Consumers Cooperative Association, then by depositing and keeping $5 in a Consumers savings account.
- Terms ranging from 91 days to 5 years
- Early withdrawal penalties are as follows: 60 days interest for terms of 1 year or less; 120 days interest for terms over 1 year
- Interest compounded daily, paid monthly
- Federally insured by the NCUA
Consumers Credit Union pays competitive rates on jumbo CDs, especially if you're willing to put in the extra money for one of its super jumbo CDs. Consumers makes it easier to become a member than most credit unions do — you just have pay $5 to join the Consumers Cooperative Association, then deposit $5 in a Consumers savings account. Unlike most credit unions, Consumers compounds interest daily, meaning you can earn more money in the long run.
Consumers Credit Union doesn't have any major downfalls, but you might earn a higher rate at another institution, depending on the term length.
Term length options: 91 days to 5 years
State Bank of Texas 1 Year CD Special
State Bank of Texas 1 Year CD Special Start saving State Bank of Texas, FDIC Insured.
Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Annual Percentage Yield (APY)5.05%
Minimum Opening Deposit$50,000
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. High APY
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low early withdrawal penalties
- con icon Two crossed lines that form an 'X'. $50,000 minimum opening deposit
- con icon Two crossed lines that form an 'X'. Interest isn’t compounded
- 8 branches in Texas and Illinois
- Available to open online from anywhere in the United States
- Early withdrawal penalty is 60 days of interest
- Simple interest is paid at maturity
- FDIC insured
State Bank of Texas has an online 12-month CD special paying 5.05% APY with a $50,000 minimum deposit.
You can open the account regardless of where you live in the United States. You also might like this account if you're interested in low CD early withdrawal penalties.
Something to keep in mind is that the State Bank of Texas doesn't compound interest on its CDs. You'll earn simple interest instead. This makes a difference in how much interest you'll earn. For example, you'd earn $2,800 in interest on a $50,000 deposit. If CD interest compounded daily, you'd earn $2,880.
Term length options: State Bank of Texas only offers a 1-year online CD. You might prefer another bank if you're looking for a variety of term lengths.
USAA Jumbo CD
USAA Jumbo CD Start saving USAA Bank, FDIC Insured.
Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Annual Percentage Yield (APY)0.05% to 4.90%
Minimum Opening Deposit$95,000
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Variety of term length options
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Standard early withdrawal penalties
- con icon Two crossed lines that form an 'X'. $95,000 minimum deposit
- con icon Two crossed lines that form an 'X'. Less competitive rates for shorter terms
- con icon Two crossed lines that form an 'X'. Interest compounded monthly, not daily
- Choose from terms between 30 days and 7 years
- Early withdrawals are as follows: 30 days interest for 30-day terms; 90 days interest for terms of 31 days to 1 year; 180 days interest for terms over a year to under 5 years; 365 days interest for terms of 5 years or more
- Interest compounded monthly, paid monthly
- FDIC insured
USAA has a wider range of term lengths than most banks, which makes it easy to find a jumbo CD that fits your needs. USAA CD rates are also good on longer terms.
The other institutions on our list compound interest daily, but USAA only compounds interest monthly. This limits how much you'll earn over the months or years.
Term length options: 30 days to 7 years
Navy Federal Credit Union Standard Certificate
Navy Federal Credit Union Standard Certificate Start saving NFCU, NCUA Insured
Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Annual Percentage Yield (APY)2.75% to 4.85%
Minimum Opening Deposit$1,000 to $100,000
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive APY, even for lower balances
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Terms up to 7 years
- con icon Two crossed lines that form an 'X'. $1,000 opening deposit
- con icon Two crossed lines that form an 'X'. Minimum $100k to earn highest APY with some terms
- con icon Two crossed lines that form an 'X'. Standard-to-high early withdrawal penalties
Navy Federal CD rates are high overall, with the exception of its 6-month terms — you'll find the best 6-month CD rates elsewhere. The SaveFirst Account rates are only so-so, but they're some of the few CDs out there that allow you to add more money to your account during the term.
Navy Federal Credit Union Standard Certificate Product Details- Join Navy Federal Credit Union as an active military member, military veteran, Department of Defense employee/retiree, or family member of any of the aforementioned groups
- 354 branches worldwide, including on select military bases
- Terms ranging from 3 months to 7 years
- Earn higher APY with a higher balance
- Early withdrawal penalty of 90 days dividends for terms of 3 months to 1 year; 180 days dividends for terms of 1 year to 5 years; 365 days interest for terms of 6 and 7 years
- Interest compounded daily, paid monthly
- Federally insured by the NCUA
You'll earn the highest rates with a $100,000 minimum. However, Navy Federal CD rates are still high regardless of your account balance. Navy Federal compounds your interest daily like most banks would, unlike many credit unions that compound monthly. Navy Federal also offers terms for up to 7 years, while many banks cap out at 5 years.
You or a family member must have ties to the military for you to become a member of Navy Federal. Or you can join by living with a Navy Federal member, or by being a Department of Defense civilian personnel or contractor.
Term length options: 3 months to 7 years
Navy Federal Credit Union Review
Jumbo CD Company Trustworthiness and BBB Ratings
We review the ethics of each company, so you can see if a specific financial institution aligns with your values.
We include the settlement history of the last 3 years so you're aware of any recent public controversies involving the bank.
We've also compared each company's Better Business Bureau score. The BBB grades businesses based on factors like responses to customer complaints, honesty in advertising, and transparency about business practices. Here is each company's score:
| Institution | BBB rating |
| Credit One Bank | A+ |
| Connexus Credit Union | A+ |
| Alliant Credit Union | A+ |
| Veridian Credit Union | A+ |
| Consumers Credit Union | NR |
| State Bank of Texas | NR |
| USAA | A+ |
| Navy Federal Credit Union | NR |
Consumers has an NR rating because complaints are being handled by another BBB.
State Bank of Texas received an NR ("No Rating") grade from the BBB because there isn't sufficient information to rate the business yet.
Navy Federal Credit Union has an NR ("No Rating) grade from the BBB because it is responding to previously closed complaints.
None of these banks have been involved in any recent scandals.
What Drives the Best Jumbo CD Rates
Market and Economic Conditions
Ultimately, every bank and credit union has to respond to market fluctuations when setting rates.
The best way to predict market changes is to watch for when the next Fed meeting is. The Fed is the central banking system of the U.S., and it meets several times throughout the year to decide on rate changes. Generally, when the Fed announces a rate change, other banks and credit unions follow suit.
Large Deposit Amounts
Large deposit amounts, like those you need for jumbo CDs, let banks pay out slightly higher interest rates than they would otherwise. The best banks for jumbo CDs might even offer super jumbo CDs, which require an even higher minimum opening deposit, but pay out a higher interest rate in exchange.
Competition Between Financial Institutions
Banks and credit unions will generally pay attention to what other banks and credit unions are doing when setting their rates. If the best 5-year jumbo CD rates rise, then it's likely that other financial institutions will raise their rates as well to stay competitive. And if 1-year CD rates fall, then financial institutions can safely lower their rates while still getting customers.
Should You Invest in a Jumbo CD?
Jumbo CDs might be a good choice for you if you have a lot of money you'd like to put in a CD, especially if you have more than $250,000 and you choose a CD that offers extended insurance past the standard FDIC or NCUA maximums. However, it's important to keep in mind that you can find good CD rates with regular CDs, too. For example, there are CDs in our best 3-month CD rates guide that have higher rates than the jumbo CDs we have listed here.
Jumbo CD FAQs
What's considered a "jumbo" CD amount? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Minimum opening deposit requirements vary across financial institutions. That said, jumbo CDs often start at a $100,000 minimum deposit.
Do jumbo CDs always have the absolute best rates? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.When comparing jumbo CD rates versus regular CD rates of the same term length at the same financial institution, jumbo CDs almost always offer equal or better rates. However, there are banks and credit unions that have high rates and don't offer jumbo CDs, so always check to see what other rates are out there before committing to a CD
Are jumbo CDs riskier than regular CDs? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Neither jumbo CDs nor regular CDs are expected to be risky. Both types of CDs are usually either FDIC-insured or NCUA-insured, so your money is safe up to $250,000 per depositor, per account type. However, if you're putting more than $250,000 in a jumbo CD and the financial institution you're banking with doesn't offer extended insurance, you might be at risk of losing some money on the very small chance that the institution fails.
Do all banks and credit unions offer jumbo CDs? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.No, not all banks and credit unions offer jumbo CDs. Larger banks and credit unions are more likely to offer jumbo CDs than small or local financial institutions.
Are there special types of jumbo CDs? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Yes, there are specialty jumbo CDs, such as bump-up jumbo CDs.
Why You Should Trust Us: Experts' Advice on Choosing the Best Jumbo CD
We consulted banking and financial planning experts to inform these picks and provide their advice on finding the best high-yield savings accounts to use for your money.
Here's what they had to say about CDs. (Some text may be lightly edited for clarity.)
What makes a jumbo CD good or not good?
Sophia Acevedo, banking editor, Business Insider:
"The main benefit of a jumbo CD is that it can sometimes offer a higher interest rate than a regular one because you're making a substantial initial deposit. However, if a bank pays the same interest rate regardless of how much money you deposit upfront, I would probably consider another financial institution or put my money in another type of account."
How should someone choose a CD term length?
Roger Ma, certified financial planner with lifelaidout® and author of "Work Your Money, Not Your Life":
"I would think about when you need the money and then compare that with what the prevailing CD rates are, and then what makes sense from a financial perspective, but also from your own personal timing perspective."
Mykail James, CFEI:
"I believe in having a plan for whatever the funds are. If it's supposed to be a house fund, and you want to wait for another two years to buy a house, that's what you should be thinking of when you want to have this money."
How should someone decide whether to put their money in a high-yield savings account, money market account, or CD?
Tania Brown, certified financial planner and vice president of coaching strategy at OfColor:
"So I guess we'll start off with how much money you want to put in and the level of transactions you want to have. If you want to have any transactions, that automatically takes out CDs. Then you're stuck between the high-yield savings and the money market account."
Sophia Acevedo, Business Insider:
"Generally, I think a high-yield savings account or money market account could be good options for an emergency fund or short-term savings goals. A high-yield savings account offers a higher interest rate than traditional savings accounts at brick-and-mortar banks. Meanwhile, money market accounts might be worth considering if you want more account accessibility — several offer paper checks, ATM cards, or debit cards. CDs could be worthwhile if you don't need access to some of your money, since they have a fixed interest rate for a specific term."
Our Methodology: How We Chose the Best Jumbo CDs
At Business Insider, we aim to help smart people make the best decisions with their money. We understand that "best" is often subjective, so in addition to highlighting the clear benefits of a financial product or account — a high APY (Annual Percentage Yield), for example — we outline the limitations, too. We spent hours comparing and contrasting the features and fine print of various CDs so you don't have to.
We reviewed financial institutions to find banks that offered no-penalty CDs. For each account, we use our CD methodology to compare the minimum opening deposits, early withdrawal penalties, and interest rates. We also considered the overall banking experience at each bank by assessing customer support availability, mobile app ratings, and ethics.
Sophia Acevedo Banking Editor Sophia Acevedo is a banking editor at Business Insider. She has spent three years as a personal finance journalist and is an expert across numerous banking topics.ExperienceSophia leads Personal Finance Insider's banking coverage, including reviews, guides, reference articles, and news. She edits and updates articles about banks, checking and savings accounts, CD rates, and budgeting and saving. She is highly knowledgeable about long-term trends in rates and offers at banks across the U.S.Before joining Business Insider, Sophia worked as a journalist at her college newspaper and was a freelance writer. She has spent seven years writing and editing as a journalist.Sophia was nominated for an Axel Springer Award for Change in 2023 for her coverage of ABLE accounts, tax-free savings accounts for people with disabilities. She was also a winner of a 2018 California Journalism Awards Campus Contest for her photography.She loves helping people find the best solutions for their unique needs and hopes that more people will find the tools to solve their financial problems. She’s inspired by stories of everyday people adapting to their financial circumstances and overcoming their fears around money.ExpertiseSophia's expertise includes:- Bank accounts
- Savings and CD rate trends
- Budgeting
- Saving
- How banks operate
Kit Pulliam Personal Finance Insider editorial fellow Kit Pulliam (they/them) is a banking expert who specializes in certificates of deposit, savings accounts, and checking accounts. They’ve been reporting, editing, and fact-checking personal finance stories for more than four years.ExperienceKit has spent their career making complicated concepts more accessible to the average person. As a tutor in math and reading comprehension after college, they melded the certainty of numbers with the flexibility of words, a skill that has served them in the personal finance field since. Before Business Insider, Kit was an editorial specialist for Tax Analysts, diving into the tax code to help readers get the best information about a confusing but necessary subject.They find banking similar to taxes in that way: There are some things everyone needs to know because just about everyone needs to work with a bank — and you don’t want to end up with an account that doesn’t serve your needs.As interest rates change, they enjoy the fast pace of reviewing rates for products like CDs and high-yield savings, which can change daily and have a direct impact on readers’ money.ExpertiseTheir expertise includes:- Certificates of deposit
- Savings accounts
- Checking accounts
- CD rates
- Bank reviews
Evelyn He Compliance and Operations Associate Evelyn He is a Compliance and Operations Associate on the Personal Finance team to ensure content accuracy and editorial independence so readers get up-to-date and objective financial advice.The compliance team's mission is to provide readers with fact-checked and current stories so they can make informed financial decisions. The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Read more Read less Top Offers From Our Partners 
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