Best Jumbo CD Rates Today: November 7, 2025 — Earn Up to 4.50% APY
Written by
Rudri Patel
Edited by
Elizabeth Constantineau
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Looking to invest a large amount of cash? A jumbo certificate of deposit (CD) could be a smart choice. The best jumbo CD rate today is 4.50% annual percentage yield (APY) for a 3-month term from R Bank, which requires a minimum deposit of $100,000.
Jumbo CDs typically require at least $100,000 to open, though some accept deposits as low as $50,000. Like standard CDs, they’re federally insured — by the Federal Deposit Insurance Corporation (FDIC) for banks and the National Credit Union Administration (NCUA) for credit unions. With rates still strong, now may be a good time to lock in one of the best jumbo CD rates today.
Best Jumbo CD Rates for Nov. 7, 2025
| Institution | APY | Term | Minimum Deposit |
|---|---|---|---|
| R Bank | 4.50% | 3 months | $100,000 |
| Advancial Federal Credit Union | 4.23% | 5 years | $50,000 |
| Credit One Bank | 4.20% | 12 months | $100,000 |
| Credit One Bank | 4.15% | 6 months | $100,000 |
Today’s Top Non-Jumbo Alternative
Prefer smaller deposits? A standard 1-year CD at Daniels-Sheridan Federal Credit Union offers one of the best CD rates today, paying 5.11% APY with a $500 minimum.
Best Jumbo CD Rates by Term
Check out the 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 |
|---|---|---|---|
| R Bank | 4.50% | 3 months | $100,000 |
| Credit One Bank | 4.15% | 6 months | $100,000 |
| Alliant Credit Union | 4.10% | 6 months | $75,000 |
| Non-jumbo option: Dow Credit Union | 4.15% | 3 months | $500 |
Best 12 to 18 Month Jumbo CD Rates
| Institution | APY | Term | Minimum |
|---|---|---|---|
| Hughes Federal Credit Union | 4.29% | 17 months | $99,000 |
| Credit One Bank | 4.20% | 12 months | $100,000 |
| State Department Federal Credit Union | 4.10% | 15 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 | 4.23% | 60 months | $50,000 |
| Hughes Federal Credit Union | 4.13% | 30 months | $99,000 |
| Connexus Credit Union | 4.10% | 24 months | $100,000 |
| Non-jumbo option: Mountain America Credit Union | 4.20% | 24 months | $500 |
Jumbo vs. Regular CDs: Which Pays More?
Jumbo CDs can sometimes earn slightly higher rates than regular CDs, but they come with steep minimum deposits — typically $50,000 or $100,000. In many cases, promotional CDs from banks or credit unions offer similar or even higher APYs with much lower deposit requirements.
Here’s a quick side-by-side look at how jumbo and regular CDs compare.
| 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 |
Pros and Cons of Jumbo CDs
Jumbo CDs can be a safe way to grow your money, but they’re not right for everyone. Here’s a quick look at their pros and cons.
| Pros | Cons |
|---|---|
| May pay a higher APY than comparable 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 bank |
| Helps long-term savers avoid spending | Low liquidity |
| Simple, hands-off savings option | Inflation may outpace returns |
| Typically risk-free when opened at an insured institution | May offer lower returns than other investments |
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 comparable APYs, let the early withdrawal penalties guide your choice.
Choose the one with the shorter penalty period or lower fee to give yourself more flexibility — and when possible, go with a non-callable CD to keep your rates secure.
How To Make Sure Your Jumbo CD Is Fully Insured
FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution, per ownership category — even for jumbo CDs. 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 November 2025
The Federal Reserve has cut rates twice this year, most recently by 0.25%, and additional cuts could follow before year-end. Currently, many of the best jumbo CD rates range between 4.50% and 4.10%, depending on term and institution.
If you’re wondering whether to lock in a jumbo CD now, consider your goals and flexibility:
- Want rate certainty? Choose a non-callable jumbo CD with a 12- to 24-month term to secure your yield before more rate cuts.
- Prefer flexibility? Compare short-term CDs or jumbo money market accounts that keep cash accessible while earning strong returns.
- Looking for balance? Use a hybrid approach — part in a jumbo CD for guaranteed returns, part in a high-yield money market account for liquidity.
Jumbo CD vs. Jumbo Money Market Account: Key Differences
- Earnings: Jumbo CDs usually offer higher fixed APYs, while money market accounts 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 you commit to a jumbo CD, review this quick checklist to ensure you’re getting the best value for your money:
- Confirm that your jumbo CD is insured by the NCUA or FDIC.
- Check the minimum deposit and any fees associated with the account.
- Match the APY and term to your savings timeline and cash needs.
- Look for a non-callable CD to lock in your rate for the full term.
- Compare rates and features across banks, credit unions and other savings products.
- Decide how much cash you can deposit and make sure you won’t need to tap it before maturity.
Bottom line: If you have a large balance you won’t need to access soon, locking in a jumbo CD now can help secure one of today’s top yields before rates fall — all while keeping your funds federally insured.
FAQ About Jumbo CDs
Curious how jumbo CDs work, whether they’re safe or how much they pay? Here’s what to know before opening one.- Who has the highest jumbo CD rate today?
- The highest jumbo CD rate today is 4.50% APY for a 3-month term from R Bank, which requires a minimum deposit of $100,000.
- Are jumbo CDs safe?
- Jumbo CDs are safe if they are NCUA- or FDIC-insured. The insurance limit is $250,000 per depositor, per category. If you plan to invest more than that, spread your deposits across multiple banks or credit unions to ensure all your funds stay fully protected.
- Is a jumbo CD worth it vs. a regular CD?
- It depends. It's a good idea to check rates on both types of CDs before locking in a rate. Generally, jumbo CD rates are lower than regular CD rates.
- How do I insure more than $250,000 in CDs?
- You can spread out the funds at different institutions. You can also use different categories of accounts: joint, single or retirement.
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 Nov. 7, 2025.
