Best Jumbo CD Rates Today: March 31, 2026 — Earn Up To 4.25% APY
Written by
Rudri Bhatt Patel, CFHC™
Edited by
Elizabeth Constantineau, CFHC™
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Jumbo certificates of deposit can still make sense if you want to lock in a fixed return on a large cash balance. As of March 31, 2026, the best verified jumbo CD in this refresh is 4.25% APY on a 12-month jumbo certificate from GECU, with a $50,000 minimum deposit.
That said, jumbo CDs are no longer automatic rate leaders. In the current market, some regular CDs are still paying more than many jumbo options, often with much smaller minimum deposits. That makes side-by-side comparison more important than the “jumbo” label alone.
Best Jumbo CD Rates for March 31, 2026
Here are today’s leading jumbo CD rates for high-balance savers.
| Institution | APY | Term | Minimum Deposit |
|---|---|---|---|
| GECU | 4.25% | 12 months | $50,000 |
| Advancial Federal Credit Union | 4.18% | 60 months | $50,000 |
| Credit One Bank | 4.15% | 12 months | $100,000 |
| Credit One Bank | 4.10% | 6 months | $100,000 |
Best Jumbo CD Rates Today by Term
Check out today’s best jumbo CD rates by term below. You’ll also see how current regular CD rates compare for smaller deposits.
Best 3 to 6 Month Jumbo CD Rates
| Institution | APY | Term | Minimum |
|---|---|---|---|
| Credit One Bank | 4.10% | 6 months | $100,000 |
| Skyla Credit Union | 3.75% | 6 months | $50,000 |
| Non-jumbo option: Northern Bank Direct | 4.00% | 3 months | $500 |
Best 12 to 18 Month Jumbo CD Rates
| Institution | APY | Term | Minimum |
|---|---|---|---|
| GECU | 4.25% | 12 months | $50,000 |
| Credit One Bank | 4.15% | 12 months | $100,000 |
| Credit One Bank | 4.05% | 18 months | $100,000 |
| Non-jumbo option: Daniels-Sheridan Federal Credit Union | 5.11% | 12 months | $500 |
Best 24 to 60 Month Jumbo CD Rates
| Institution | APY | Term | Minimum |
|---|---|---|---|
| Advancial Federal Credit Union | 4.18% | 60 months | $50,000 |
| Skyla Credit Union | 4.00% | 36 months | $50,000 |
| Credit One Bank | 4.00% | 24 months | $100,000 |
| Non-jumbo option: Mountain America Credit Union | 4.20% | 24 months | $500 |
Jumbo vs. Regular CDs: What’s the Difference?
Jumbo CDs usually require much larger deposits, often $50,000 to $100,000 or more. In return, they may offer a competitive fixed APY. But in today’s market, that higher minimum doesn’t guarantee a better return than a regular CD.
| Feature | Jumbo CDs | Regular CDs |
|---|---|---|
| Minimum deposit | Higher — $50,000 to $100,000 or more | Lower — $500 to $5,000 |
| APY | Sometimes higher, but not guaranteed | Promotional CDs typically have higher APYs |
| Liquidity | Jumbo CDs are not liquid | Regular CDs are not liquid |
| Availability | More common at banks and brokerages | Widely available |
| Insurance | FDIC and NCUA insured | FDIC and NCUA insured |
Today’s Top Non-Jumbo CD Alternative
Prefer smaller deposits? Daniels-Sheridan Federal Credit Union is offering a 12-month CD with a 5.11% APY and a $500 minimum.
Pros and Cons of Jumbo CDs
Jumbo CDs can still be a safe way to grow your money, but they are not right for everyone. Their main advantage is a fixed, guaranteed return on a large deposit at an insured institution.
Their biggest drawback is that they often require tying up $50,000 to $100,000 or more, even though comparable or better yields may be available from standard CDs with smaller minimums.
| Pros | Cons |
|---|---|
| May pay a higher APY than some regular CDs | Requires a high minimum deposit — $50,000 or more |
| Guaranteed rate of return | Locks up funds for the full term |
| NCUA- or FDIC-insured when opened at eligible institutions | Insurance coverage capped at $250,000 per depositor, per institution |
| Helps long-term savers avoid spending | Low liquidity |
| Simple, hands-off savings option | Inflation may outpace returns |
| Typically low risk when opened at an insured institution | May offer lower returns than the best regular CDs |
Jumbo CD Early Withdrawal Penalties
Withdrawing your funds before the end of the term means you’ll likely face a penalty. Here are typical withdrawal penalties you might face:
| CD Term | Early Withdrawal Penalty |
|---|---|
| 3 to 6 months | 3 months interest |
| 12 months | 3 to 6 months interest |
| 18 to 24 months | 6 months interest |
| 36 months | 6 to 9 months interest |
| 48 to 60 months | 1 year interest |
Pro Tip: Picking Between Two CDs
If two CDs have similar APYs, compare the early withdrawal penalties before opening either one. The lower penalty can give you more flexibility if you need your cash sooner than expected.
6 Steps To Make Sure Your Jumbo CD Is Fully Insured
Federal Deposit Insurance Corporation (FDIC) or National Credit Union Administration (NCUA) insurance protects deposits up to $250,000 per depositor, per institution, per ownership category. That means if your balance exceeds the limit, only part of your funds may be covered.
To make sure your jumbo CD is fully insured, you can follow these steps:
- Confirm coverage type: Make sure your jumbo CD is insured by the FDIC or NCUA.
- Check your limits: The standard coverage limit is $250,000 per depositor, per bank.
- Add your deposits across the same category at each bank: Include checking, savings, CDs and other accounts at the same institution to see if your total exceeds the $250,000 cap.
- Spread your investments across institutions: If you’re maxed out at one bank, consider opening your next CD at another.
- Expand coverage by adding an owner: Joint accounts increase coverage since each owner is insured up to $250,000.
- Review and document each account: Keep clear records of your accounts at every bank to stay organized and fully insured.
CD Rate Outlook for 2026
The general outlook remains that CD rates are still elevated but no longer at their peak. WSJ’s March 2026 CD coverage says the federal-funds target has held at 3.50% to 3.75% in early 2026 after several cuts in 2025, helping keep CD yields relatively strong for now. The same coverage notes that short-term CDs continue to offer some of the best yields in the market.
If you are deciding whether to lock in a jumbo CD now, the key question is how long you want to preserve today’s yield. A 12- to 24-month jumbo CD may make sense if you want fixed-rate certainty, while a shorter-term CD or money market account may be a better fit if you want more flexibility
Jumbo CD vs. Jumbo Money Market Account: Key Differences
- Earnings: Jumbo CDs usually offer higher fixed APYs, while money market account rates are variable and can change over time.
- Access: Jumbo CDs lock your funds for a set term. Jumbo money market accounts let you withdraw or transfer cash more freely.
- Best for: Use a jumbo CD if you can leave your money untouched. Choose a jumbo money market account if you want ongoing access.
How To Decide if a Jumbo CD Is Right for You
Before opening a jumbo CD, make sure you are actually being paid for tying up that much cash. Right now, many of the best regular CDs still beat jumbo CD yields, so the best move is to compare both side by side before committing.
A jumbo CD may be worth it if you:
- have a large balance you will not need soon
- want a fixed return from an insured institution
- find a jumbo APY that is competitive with regular CDs
- are comfortable staying within federal insurance limits or splitting deposits across institutions
Bottom Line: if you have a large balance you will not need to access soon, a jumbo CD can still help you lock in a solid return before rates move lower. But in today’s market, it only makes sense if the jumbo rate is actually competitive with the best regular CDs
FAQs About Jumbo CDs
- Who has the highest jumbo CD rate today?
- The highest jumbo CD rate verified for this refresh is 4.25% APY for a 12-month term from GECU, which requires a $50,000 minimum deposit.
- Are jumbo CDs safe?
- Yes. Jumbo CDs are generally safe when they are opened at FDIC- or NCUA-insured institutions, though coverage is typically limited to $250,000 per depositor, per ownership category and per institution.
- Is a jumbo CD worth it vs. a regular CD?
- It depends. Jumbo CDs can be useful for large balances, but many regular CDs can offer similar or better APYs with much lower minimum deposit requirements.
- How do I ensure more than $250,000 in CDs?
- You can spread funds across different insured institutions or use different ownership categories, such as single and joint accounts, to increase your total protected amount.
Compare CD Rates
- Best 3-Month CD Rates
- Best 6-Month CD Rates
- Best 1-Year CD Rates
- Best 5-Year CD Rates
- Best No-Penalty CD Rates
- Best Jumbo CD Rates
- Best No-Penalty CD Rates
- Best CDs With No Minimum Deposit Requirement
- Best CD Accounts
Dawn Allcot contributed to the reporting for this article.
Methodology: GOBankingRates analyzes deposit rates from banks and credit unions with nationwide availability. The best rates are identified from this group by focusing on APY. Institutions listed in the daily chart are insured by the Federal Deposit Insurance Corporation or the National Credit Union Share Insurance Fund.
Financial institutions may require certain eligibility criteria — such as membership, existing accounts or location-based restrictions — to open an account or qualify for the listed rates. Always verify account terms, conditions and regional availability with the institution before applying.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of March 31, 2026.
