8 Best Jumbo CD Rates 2025
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ALSO CONSIDER: Best CD rates || Best high-yield savings accounts || Best IRA CD rates
Jumbo CD rates can be slightly better than regular CD rates, such as 0.05% or 0.10% higher, but these CDs have a high opening minimum: usually around $100,000. The best CD rates, which aren’t on jumbo CDs, have much lower or no minimums.
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Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial accounts that work best for you. See our criteria for evaluating banks and credit unions.
More than 100 financial institutions surveyed by our team of experts.
More than 50 data points considered for each bank and credit union to be eligible for our lists. For this CD list, more than five data points were considered per institution.
» Learn more: How much should I put in CDs?
The best jumbo CD rates tend to be at credit unions, many of which have membership requirements like living in a certain state or being part of an employer group, such as the military. Note that many credit unions call CDs share certificates, or certificates.
Our list focuses on CDs with opening minimums of $75,000 to $100,000.
Best jumbo CD rates for 1-year to 5-year terms:
Easy to join:
Alliant Credit Union.
Competitive rates but restrictive membership or excludes certain states:
Navy Federal Credit Union.
SchoolsFirst Federal Credit Union.
Suncoast Credit Union.
Community First Credit Union of Florida.
Global Credit Union.
Golden 1 Credit Union.
Security Service Federal Credit Union.
Nerdy Tip
The Fed lowered its benchmark rate multiple times in the second half of 2024. As a result, banks and credit unions have started lowering CD rates. With a CD, you can lock in high rates while they’re still around.
Best Jumbo CD Rates 2025
| Bank/institution | NerdWallet rating | Minimum deposit | APY | Learn more |
|---|---|---|---|---|
4.7/5 | $75,000 Federally insured by NCUA | 1-year APY 4.05% 3-year APY 3.75% 5-year APY 3.70% | ||
3.5/5 | $100,000 Federally insured by NCUA | 1-year APY 3.65% 3-year APY 3.05% 5-year APY 3.15% | ||
4.6/5 | $100,000 Federally insured by NCUA | 1-year APY 4.05% 3-year APY 3.75% 5-year APY 3.55% | ||
5.0/5 | $100,000 Federally insured by NCUA | 1-year APY 4.30% 3-year APY 4.30% 5-year APY 4.40% | ||
4.2/5 | $100,000 Federally insured by NCUA | 1-year APY 4.75% 3-year APY 3.75% 5-year APY 3.75% | ||
3.9/5 | $100,000 Federally insured by NCUA | 1-year APY 3.05% 3-year APY 3.51% 5-year APY 3.30% | ||
3.6/5 | $100,000 Federally insured by NCUA | 1-year APY 3.55% 3-year APY 3.70% 5-year APY 3.90% | ||
3.3/5 | $100,000 Federally insured by NCUA | 1-year APY 2.25% 3-year APY 3.00% 5-year APY 4.00% |
Our pick for
Easy to join
Minimum deposit
$75,000
Federally insured by NCUA
APY
1-year APY 4.05%
3-year APY 3.75%
5-year APY 3.70%
Our Take
Overview: Alliant Credit Union, established in 1935 in Illinois, is a digital credit union with membership and accounts available nationwide and exclusively online. Its jumbo certificates have a lower minimum, $75,000, than traditional jumbo certificates, and its rates tend to be 0.05% higher than the credit union’s regular certificates.
Our pick for
Competitive rates but restrictive membership
Minimum deposit
$100,000
Federally insured by NCUA
APY
1-year APY 3.65%
3-year APY 3.05%
5-year APY 3.15%
Our Take
Overview: Global Credit Union, formerly known as Alaska USA Federal Credit Union, focuses its membership on residents of the states of Alaska and Washington, specific counties in California and Arizona, and anyone employed by the Department of Defense. The credit union has seven minimum deposit tiers, in which rates between jumbo (with a $100,000 minimum) and regular (with a $500 minimum) can differ by about 0.15% for terms longer than one year.
Minimum deposit
$100,000
Federally insured by NCUA
APY
1-year APY 4.05%
3-year APY 3.75%
5-year APY 3.55%
Our Take
Overview: Navy Federal is the largest credit union in the U.S.; to join, you must be affiliated with the military or have family that is. Its jumbo share certificates require $100,000 to open, and their rates are 0.05% higher than rates on certificates that need $1,000 to open, the lowest minimum required.
Minimum deposit
$100,000
Federally insured by NCUA
APY
1-year APY 4.30%
3-year APY 4.30%
5-year APY 4.40%
Our Take
Overview: SchoolsFirst Federal Credit Union has share certificates with competitive rates across four tiers based on minimum opening deposit. Rates between certificates with the lowest minimum, $500, and the traditional jumbo minimum, $100,000, differ by up to 0.15%. The bigger the deposit, the higher the rate. SchoolsFirst limits membership to employees, their families and others affiliated with California schools.
Minimum deposit
$100,000
Federally insured by NCUA
APY
1-year APY 4.75%
3-year APY 3.75%
5-year APY 3.75%
Our Take
Overview: Suncoast is a Florida-based credit union that mostly restricts its membership to those who live or work in the state. Its rates on regular certificates with a $500 minimum and jumbo share certificates with a $100,000 minimum differ by about 0.25%.
Minimum deposit
$100,000
Federally insured by NCUA
APY
1-year APY 3.05%
3-year APY 3.51%
5-year APY 3.30%
Our Take
Overview: Community First primarily serves communities in Florida. Its CDs have terms of three months to five years, and the number of rates available based on minimum deposit are more than at many financial institutions we analyzed. Jumbo rates require at least $100,000, the traditional minimum, and are at least 0.11% higher than regular rates. In total, there are six tiers of jumbo CD rates ranging from Junior Jumbo, which requires at least $45,000, to Super Jumbo Max, which requires $1 million as the minimum.
Minimum deposit
$100,000
Federally insured by NCUA
APY
1-year APY 3.55%
3-year APY 3.70%
5-year APY 3.90%
Our Take
Overview: Golden 1 Credit Union has served residents in California since 1933, and continues to focus membership on people who live and work in the Golden State. Share certificates for each term have different rates depending on minimum deposit, up to $100,000, and the difference in rates between the lowest and highest minimums is up to 0.15%. The lowest minimum is $500.
Minimum deposit
$100,000
Federally insured by NCUA
APY
1-year APY 2.25%
3-year APY 3.00%
5-year APY 4.00%
Our Take
Overview: Security Service Federal Credit Union was established in 1956 around a U.S. Air Force base, and it continues to focus its membership on members of certain branches of the military in Texas, Colorado or Utah. However, if you live or work in those states, you can also join. Its share certificates have multiple tiers based on minimum deposits from $500 to $100,000, with rates about 0.10% better for the highest tier compared to the lowest.
ON THIS PAGE
» COMPARE: Best CD rates regardless of minimum deposit
What is a jumbo CD?
A jumbo CD is a certificate of deposit that traditionally requires a minimum deposit of $100,000. But for most people, regular CDs tend to be a better option: There’s no steep deposit requirement, and rates can be as good as or higher than jumbo CD rates.
Apart from minimums, regular and jumbo CDs are similar. They both keep money locked up for a fixed period, usually from three months to five years. In return for sacrificing access to your funds, you earn an interest rate that is usually higher than that of a regular savings account.
» Learn more about jumbo CDs
Last updated on January 15, 2025
Methodology
We featured financial institutions that we've reviewed with the highest CD rates available and that require an opening minimum of $75,000 or higher.
We took a close look at over 100 financial institutions and financial service providers, including the largest U.S. banks based on assets, internet search traffic and other factors; the nation’s largest credit unions, based on assets and membership; and other notable and/or emerging players in the industry. We rated them on criteria including annual percentage yields, minimum balances, fees, digital experience and more.
Financial institutions and providers surveyed are: Affirm, All America Bank, Alliant Credit Union, Ally Bank, Amalgamated Bank, America First Credit Union, American Express National Bank, Andrews Federal Credit Union, Associated Bank, Axos Bank, Bank of America, Bank5 Connect, Barclays, Bask Bank, Bethpage Federal Credit Union, BMO, BMO Alto, Boeing Employees Credit Union, Bread Savings®, BrioDirect, Capital One, Carver Federal Savings Bank, CFG Bank, Charles Schwab Bank, Chase, Chime, CIBC U.S., CIT Bank, Citibank, Citizens, Citizens Bank, City First Bank, Climate First Bank, Commerce Bank, Community First Credit Union of Florida, ConnectOne Bank, Connexus Credit Union, Consumers Credit Union, Current, Customers Bank, Delta Community Credit Union, Discover® Bank, E*TRADE, EverBank, Fifth Third Bank, First Foundation, First Internet Bank, First National Bank, First Tech Federal Credit Union, Flagstar Bank, FNBO Direct, Flagstar Bank, Forbright BankGlobal Credit Union, GO2bank, Golden 1 Credit Union, Greenwood, Hope Credit Union, Huntington Bank, Industrial Bank, Ivy Bank, Jenius Bank, KeyBank, Lake Michigan Credit Union, Laurel Road Bank, LendingClub Bank, Liberty Bank, Live Oak Bank, M&T Bank, Marcus by Goldman Sachs, My Banking Direct, NASA Federal Credit Union, Navy Federal Credit Union, NBKC, Newtek Bank, One, OneUnited Bank, Pentagon Federal Credit Union, PNC, Poppy Bank, Popular Direct, Quontic Bank, Regions Bank, Revolut, Salem Five Direct, Sallie Mae Bank, Santander Bank, SchoolsFirst Federal Credit Union, Security Service Federal Credit Union, Securityplus Federal Credit Union, Self-Help Credit Union, Service Credit Union, SoFi, State Employees’ Credit Union of North Carolina, Suncoast Credit Union, Synchrony Bank, TAB Bank, TD Bank, Truist Bank, U.S. Bank, UFB Direct, Upgrade, USAA Bank, Varo, Vio Bank, Wells Fargo, Western Alliance Bank and Zynlo Bank.
NerdWallet's Best Jumbo CD Rates 2025
- Alliant Credit Union Certificate: Best for Easy to join, 4.05% APY, $75,000 Minimum deposit
- Global Credit Union Certificate: Best for Competitive rates but restrictive membership, 3.65% APY, $100,000 Minimum deposit
- Navy Federal Credit Union Standard Certificate: Best for Competitive rates but restrictive membership, 3.55% APY, $100,000 Minimum deposit
- SchoolsFirst FCU Certificate: Best for Competitive rates but restrictive membership, 4.30% APY, $100,000 Minimum deposit
- Suncoast Credit Union Certificate: Best for Competitive rates but restrictive membership, 4.75% APY, $100,000 Minimum deposit
- Community First Credit Union CD: Best for Competitive rates but restrictive membership, 3.05% APY, $100,000 Minimum deposit
- Golden 1 Credit Union Certificate: Best for Competitive rates but restrictive membership, 3.55% APY, $100,000 Minimum deposit
- Security Service Federal Credit Union Certificate: Best for Competitive rates but restrictive membership, 2.25% APY, $100,000 Minimum deposit
Frequently asked questions
Are jumbo CD rates better than regular CDs?
Typically, not by much. Current rates on jumbo CDs tend to be around 0.05% to 0.10% higher than regular CDs, when comparing CDs at the same bank, while the difference between their minimum deposit requirements is huge. Jumbo CDs usually require $100,000, while regular CDs can have higher rates and a minimum deposit requirement of $500 or $5,000 -- or even no minimum, especially at some online banks such as Barclays and Capital One 360.
When should I consider CDs?
CDs give some of the highest returns for deposit accounts, and they tend to work best for specific short-term goals, such as saving for a wedding or down payment for a home a few years down the road.
» Learn more about whether CDs are worth it
But the federal deposit insurance limit for a CD (and any other bank account) is $250,000. If you want the assurance that you will get all your money back if your bank or credit union fails, it’s best to keep your deposit, and the expected interest amount you’ll earn, at or below that limit. To make sure your money is protected, you can also open a joint account, which insures $250,000 per co-owner, or consider multiple CDs from different banks.
If you have enough savings for a jumbo CD, compare rates across both jumbo and regular CDs. In general, bigger CD minimums don’t mean higher rates.
What are super jumbo CDs?
If a bank or credit union has multiple jumbo rate tiers for each CD term, you may find that a minimum deposit above $100,000 is called a super jumbo CD or some other variation. The minimum for a super jumbo CD varies, but for example, you might see a minimum of $250,000. The rate may be slightly better than that institution’s standard and jumbo rate tiers, but double-check. Rates can be the same across tiers.
How much money should I put in a CD?
There’s no one answer, but aim for more than minimum requirement and make sure that all your funds are federally insured, which maxes out at $250,000 for individual accounts at a bank or credit union. Learn more details on how to choose the amount for a CD.