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8 Best Jumbo CD Rates

Feb 22, 2022

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Jumbo CD rates can be slightly better than regular CD rates, such as 0.05% 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.

Why trust NerdWallet: Our writers and editors follow 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.

» Learn more: Are CDs worth it?

The best jumbo CD rates tend to be at credit unions, many of which have membership requirements such as living in a certain state or being part of an employer group, such as the military. Our list focuses on CDs with minimums from $50,000 to $100,000.

Best jumbo CD rates for 6-month to 5-year terms: Easy to join:

  • First Tech Federal Credit Union.

  • Consumers Credit Union.

Competitive rates but restrictive membership:

  • Navy Federal Credit Union.

  • SchoolsFirst Federal Credit Union.

  • Golden 1 Credit Union.

  • Security Service Federal Credit Union.

  • Suncoast Credit Union.

  • Alaska USA Federal Credit Union.

🤓Nerdy Tip

The Federal Reserve raised rates seven times in 2022, which is good news for your bank account. Take advantage of rising rates with one of the accounts below.

Best Jumbo CD Rates

Our pick for

Easy to join

NerdWallet rating 

5.0

/5
First Tech Federal Credit Union CD

Minimum deposit

$50,000

Federally insured by NCUA

1-year APY

2.20%

3-year APY

2.45%

5-year APY

2.80%

NerdWallet rating 

3.0

/5
Consumers Credit Union CD

Minimum deposit

$100,000

Federally insured by NCUA

1-year APY

0.95%

3-year APY

1.15%

5-year APY

1.35%

Our pick for

Competitive rates but restrictive membership

NerdWallet rating 

5.0

/5
Navy Federal Credit Union Standard Certificate

Minimum deposit

$100,000

Federally insured by NCUA

1-year APY

4.45%

3-year APY

4.25%

5-year APY

4.25%

NerdWallet rating 

5.0

/5
SchoolsFirst FCU CD

Minimum deposit

$100,000

Federally insured by NCUA

1-year APY

3.60%

3-year APY

4.10%

5-year APY

4.35%

NerdWallet rating 

3.0

/5
Golden 1 Credit Union CD

Minimum deposit

$100,000

Federally insured by NCUA

1-year APY

0.60%

3-year APY

0.85%

5-year APY

1.15%

NerdWallet rating 

5.0

/5
Security Service Federal Credit Union CD

Minimum deposit

$100,000

Federally insured by NCUA

1-year APY

1.50%

3-year APY

2.60%

5-year APY

2.90%

NerdWallet rating 

5.0

/5
Suncoast Credit Union CD

Minimum deposit

$100,000

Federally insured by NCUA

1-year APY

4.00%

3-year APY

4.00%

5-year APY

3.25%

NerdWallet rating 

3.0

/5
Alaska USA Federal Credit Union CD

Minimum deposit

$100,000

Federally insured by NCUA

1-year APY

0.40%

3-year APY

0.50%

5-year APY

0.70%

Last updated on February 22, 2022

Methodology

We featured financial institutions that we've reviewed with the highest CD rates available and that require an opening minimum from $50,000 to $100,000.

We took a close look at over 80 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.

To recap our selections...

NerdWallet's Best Jumbo CD Rates

Frequently asked questions