Best jumbo CD rates
Wright-Patt Credit Union has the highest APY in this tracked sample of 23 institutions: 4.70% APY for 72 months, verified October 22, 2026.
Jumbo here means a quoted minimum deposit of at least $100,000. Lower-minimum CDs may also accept $100,000 and may pay more; compare the other term pages too. We show each institution's highest matching APY, rather than an exhaustive market ranking. All quotes were verified within the last seven days. Membership, new-money and relationship requirements may apply; confirm eligibility and terms with the institution.
| Institution | Term / product | Minimum | Quote coverage | APY | Verified / evidence |
|---|---|---|---|---|---|
| Wright-Patt Credit Union | 72 monthsShare Certificates - $100,000 Minimum · Standard | $100,000 | Coverage: OH | 4.70% | October 22, 2026 Source text |
| Dupaco Community Credit Union | 25 months25 Month Fixed Jumbo Certificate Special · Promotional | $100,000 | Coverage: IA, IL, WI | 4.50% | October 22, 2026 Source text |
| Gesa Credit Union | 17 monthsFixed CD · Standard | $100,000 | Coverage: ID, WA | 4.50% | October 22, 2026 Source text |
| Suncoast Credit Union | 18 monthsJumbo Certificate · Standard | $100,000 | Coverage: FL | 4.50% | October 22, 2026 Source text |
| Consumers Credit Union | 7 monthsSuper Jumbo Certificate · Promotional | $250,000 | Coverage: IL | 4.45% | October 22, 2026 Source text |
| Coastal Credit Union | 27 months27-Month Jumbo Certificate · Standard | $100,000 | Coverage: NC | 4.40% | October 22, 2026 Source text |
| DFCU Financial | 24 monthsShare Certificate · Standard | $100,000 | Coverage: FL, MI | 4.40% | October 22, 2026 Source text |
| Huntington Bank | 335 daysJumbo Fixed Rate CD · Promotional | $100,000 | Columbus, OH · ZIP 43215 | 4.30% | October 22, 2026 Source text |
| SchoolsFirst Federal Credit Union | 60 monthsShare Certificate · Standard | $250,000 | Coverage: CA | 4.30% | October 22, 2026 Source text |
| TD Bank | 24 monthsTD Choice CD · Promotional | $100,000 | Boston, MA · ZIP 02108 | 4.30% | October 22, 2026 Source text |
| Navy Federal Credit Union | 18 monthsStandard Certificate · Standard | $100,000 | Coverage: AL, AZ, CA, CO, CT, DC, FL, GA, GU, HI, IL, KS, KY, LA, MD, MI, MO, MS, NC, NE, NJ, NM, NV, NY, OH, OK, PA, RI, SC, TN, TX, VA, WA | 4.15% | October 22, 2026 Source text |
| USAA Bank | 91 daysSuper jumbo CD · Standard | $175,000 | Coverage: AZ, CO, MD, NY, TX | 4.01% | October 22, 2026 Source text |
| Bank of America | 7 monthsFeatured CD & IRA CD · Promotional | $100,000 | New York, NY · ZIP 10001 | 4.00% | October 22, 2026 Source text |
| Chase Bank | 8 monthsCertificate of Deposit (relationship rate) · Relationship | $100,000 | New York, NY · ZIP 10001 | 4.00% | October 22, 2026 Source text |
| Teachers Federal Credit Union | 12 monthsJumbo Certificate · Standard | $100,000 | Hauppauge, NY · ZIP 11788 | 4.00% | October 22, 2026 Source text |
| NuVision Credit Union | 12 months1-Year Certificate · Standard | $100,000 | Coverage: AK, AZ, CA, WA, WY | 3.55% | October 22, 2026 Source text |
| U.S. Bank | 9 monthsCD Special · Promotional | $100,000 | Cincinnati, OH · ZIP 45202 | 3.50% | October 22, 2026 Source text |
| Bank of Hawaii | 12 monthsBankohana New Money Special CD · Relationship | $100,000 | Coverage: GU, HI, MP, PW | 3.40% | October 22, 2026 Source text |
| Truliant Federal Credit Union | 60 months60 Month Term · Standard | $100,000 | Coverage: NC, SC, VA | 3.40% | October 22, 2026 Source text |
| Mission Federal Credit Union | 6 monthsTerm Certificate · Standard | $100,000 | Coverage: CA | 3.15% | October 22, 2026 Source text |
| Connexus Credit Union | 6 monthsJumbo Certificates · Standard | $100,000 | Coverage: IL, MN, WI | 3.10% | October 22, 2026 Source text |
| Wells Fargo | 12 months12 month Standard Fixed Rate CD - Relationship · Relationship | $100,000 | New York, NY · ZIP 10001 | 1.51% | October 22, 2026 Source text |
| CIT Bank | 48 months4-Year Jumbo CD · Standard | $100,000 | Nationwide; check eligibility | 0.50% | October 22, 2026 Source text |
Compare with public benchmarks
The highest tracked quote is 4.70% APY for 72 months. The Treasury APY-equivalent for a similar term is 5.05% (2026-10-21). The FDIC national average for a similar term is 1.41% (2026-10-19). Benchmark terms may differ; Treasury interest is exempt from state income tax.
Common questions
Which institution has the highest tracked rate?
Wright-Patt Credit Union has the highest APY in this tracked sample of 23 institutions: 4.70% APY for 72 months, verified October 22, 2026.
Who can open these CDs or share certificates?
Check the displayed minimum deposit and location. Credit union membership, new-money and relationship requirements may apply; confirm terms with the institution.
How current are these rates?
Every quote in this collection was verified within the last seven days. Source snapshots and verification dates appear in the table; rates may change before you open an account.
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