Large deposits

Jumbo CD Rates and High-Minimum CDs

Compare CDs that require $25,000 or more to open, including traditional $100,000 jumbo certificates. Then check whether a regular high-yield CD would pay as much with a lower minimum.

Display date Oct 29, 2026 · By the CompareCDRate editorial team · About our dates · How we verify rates

4 CD listings shown.

CD listings with APY, term, minimum deposit, early withdrawal terms and source date
Listing	APY	Term	Min. deposit	Early withdrawal	Display date ?	Actions
Regional credit unionListing #N3KVM · details on inquiryCredit union · NCUAJumbo	5.23%	13 months	$100,000	Confirm with institution	Oct 29, 2026 CD marketplace data	Inquire about this CD for listing N3KVM, 5.23% 13 monthsCompare listing N3KVM
Institution Shared with you directly after you inquire Availability Regional membership requirements apply Insurance Federally insured by the NCUA (credit union share insurance) Rate source CD marketplace data Display date Oct 29, 2026 (today, U.S. Eastern Time — not a verification date)
FDIC-insured bankListing #DUZXQ · details on inquiryBank · FDIC	5.00%	5 years	$50,000	Confirm with institution	Oct 29, 2026 CD marketplace data	Inquire about this CD for listing DUZXQ, 5.00% 5 yearsCompare listing DUZXQ
Institution Shared with you directly after you inquire Availability Eligibility not stated by source — confirm with bank Insurance Issued by an FDIC-insured bank Rate source CD marketplace data Display date Oct 29, 2026 (today, U.S. Eastern Time — not a verification date)
FDIC-insured bankListing #MBG2F · details on inquiryBank · FDIC	4.91%	2 years	$25,000	Confirm with institution	Oct 29, 2026 CD marketplace data	Inquire about this CD for listing MBG2F, 4.91% 2 yearsCompare listing MBG2F
Institution Shared with you directly after you inquire Availability Nationwide Insurance Issued by an FDIC-insured bank Rate source CD marketplace data Display date Oct 29, 2026 (today, U.S. Eastern Time — not a verification date)
FDIC-insured bankListing #K6NYM · details on inquiryBank · FDIC	4.64%	1 year	$25,000	Confirm with institution	Oct 29, 2026 Financial news publisher	Inquire about this CD for listing K6NYM, 4.64% 1 yearCompare listing K6NYM
Institution Shared with you directly after you inquire Availability Nationwide Insurance Issued by an FDIC-insured bank Rate source Financial news publisher Display date Oct 29, 2026 (today, U.S. Eastern Time — not a verification date)

APY = annual percentage yield. Institution names are not published on this site; after you inquire, we share the details with you directly. The display date is today’s date in U.S. Eastern Time; it is not the date a rate was verified. We review listings regularly (last review: Oct 29, 2026) and keep a dated source record for every listing. Rates change often and may differ by region or deposit amount; confirm the current APY, minimum and early withdrawal terms with the institution before opening an account. "Up to" means the highest yield a brokerage displayed for that term. Rate methodology · How we make money · Important disclosures

Don’t overlook regular CDs

Right now, several CDs with minimums of $2,500 or less pay rates comparable to the jumbo listings above. If you’re investing a large amount, compare the full table and consider splitting your money among institutions to stay within insurance limits.

See all CD rates

Jumbo CD checklist

Confirm whether interest will push your balance over the $250,000 insurance limit.
Ask whether a relationship or “new money” requirement applies.
Compare the penalty in dollars — a few months’ interest on $100,000 is significant.
Check membership rules for credit union jumbo certificates; some are limited to certain states.

FAQs

What is a jumbo CD?

A jumbo CD is a certificate of deposit with a high minimum deposit, traditionally $100,000. Some institutions use the label for smaller thresholds such as $25,000 or $50,000.

Do jumbo CDs pay more?

Sometimes, but not reliably. Many online banks pay their top rates on deposits of $500 or less, so a regular CD can match or beat a jumbo CD. Compare both before committing a large sum.

How do I keep a large deposit fully insured?

FDIC and NCUA coverage is $250,000 per depositor, per institution, per ownership category — and that includes interest earned. Large deposits may need to be spread across several institutions or ownership categories. Brokered CDs from multiple banks are one way to do this through a single account. See our insurance guide.

Placing a large deposit?

Share your amount and timeline and we’ll respond with options that fit — including ways to stay within insurance limits.

Compare CD options Free to use. Availability and eligibility vary by institution.