Do jumbo CDs really pay more?
Compare matched $10,000 and $100,000 CD tiers using verified product quotes and independent institution counts.
Does depositing $100,000 earn a higher APY?
Among 58 independent institutions with a matched $100,000 tier, 38 paid more than the same product's $10,000 tier, 20 paid the same and 0 paid less. The median jumbo-minus-lower-tier difference was 10 bp.
A jumbo label does not establish a rate premium. This comparison uses the applicable balance tiers of the same product, kind, exact term, institution and ZIP, verified on the same UTC day. A $100,000 quote without a separately stated $100,000 minimum tier is not counted as a jumbo pair.
| Institution / location | $10,000 applicable tier | $100,000 applicable tier | APY difference |
|---|---|---|---|
| Southside BankNo ZIP price | Certificate of Deposit 12 months · minimum $1,000 3.03% · Oct 24, 2026 snapshot |
Certificate of Deposit 12 months · minimum $100,000 3.80% · Oct 24, 2026 snapshot | 77 bp |
| First National Bank TexasNo ZIP price | 13 Month Fixed Rate CD 13 months · minimum $10,000 3.25% · Oct 24, 2026 snapshot |
13 Month Fixed Rate CD 13 months · minimum $100,000 4.00% · Oct 24, 2026 snapshot | 75 bp |
| Fremont BankNo ZIP price | Certificate of Deposit 12 months · minimum $2,500 1.25% · Oct 24, 2026 snapshot |
Certificate of Deposit 12 months · minimum $100,000 1.75% · Oct 24, 2026 snapshot | 50 bp |
| Tri Counties BankNo ZIP price | 11-Month Trico Advantage CD 11 months · minimum $1,000 3.30% · Oct 24, 2026 snapshot |
11-Month Trico Advantage CD 11 months · minimum $100,000 3.70% · Oct 24, 2026 snapshot | 40 bp |
| First Entertainment Credit UnionNo ZIP price | Term Savings Certificate 12 months · minimum $1,000 2.55% · Oct 24, 2026 snapshot |
Term Savings Certificate 12 months · minimum $100,000 2.85% · Oct 24, 2026 snapshot | 30 bp |
| Gesa Credit UnionNo ZIP price | Bump CD 12 months · minimum $500 3.30% · Oct 24, 2026 snapshot |
Bump CD 12 months · minimum $100,000 3.60% · Oct 24, 2026 snapshot | 30 bp |
| Beginnings Credit UnionNo ZIP price | Certificate 12 months · minimum $500 3.50% · Oct 24, 2026 snapshot |
Certificate 12 months · minimum $100,000 3.75% · Oct 24, 2026 snapshot | 25 bp |
| Pathfinder BankNo ZIP price | 6 Month CD Special 6 months · minimum $1,000 3.40% · Oct 24, 2026 snapshot |
6 Month CD Special 6 months · minimum $100,000 3.65% · Oct 24, 2026 snapshot | 25 bp |
| Scott Credit UnionNo ZIP price | Share Certificate 12 months · minimum $1,000 3.40% · Oct 24, 2026 snapshot |
Share Certificate 12 months · minimum $100,000 3.60% · Oct 24, 2026 snapshot | 20 bp |
| Texans Credit UnionNo ZIP price | Certificate of Deposit 12 months · minimum $500 3.50% · Oct 24, 2026 snapshot |
Certificate of Deposit 12 months · minimum $100,000 3.70% · Oct 24, 2026 snapshot | 20 bp |
How pairs are selected
Each regulator contributes one pair. We prefer the exact one-year term; otherwise we choose the term closest to one year, with ties going to the shorter term and then product, ZIP and institution slug in alphabetical order. Selection does not favor a larger premium. Products with unknown or conflicting applicable tiers are excluded. Products with different names are not assumed equivalent.
The reported premium describes selected pairs, rather than every product or a guaranteed benefit of increasing your deposit. Taxes, account conditions and insurance limits require separate consideration.
Compare more deposit amounts · Calculate earnings on $100,000 · Read the dated October study
Sources, scope and methodology
All findings are generated from verified D1 records using fixed calculations and templates. No language model writes these findings. Stale and future-dated quotes are excluded, as are relationship-only quotes. A regulator ID counts once in each institution-level comparison. This tracked sample is not a deposit-weighted national average.
Index comparisons use the highest applicable $10,000 quote at each exact term per regulator. A median or P90 requires at least 30 independent institutions in its group. Fresh regional and promotional offers can be included; availability and membership conditions still apply. ZIP comparisons instead match a stated product, term and tier.
Routine re-verification does not change the financial-content modification date. Tables can change as rates, coverage or freshness change. Download index data and source snapshots · Download current rate quotes · Full methodology · Corrections
Cite APY Ledger, “Do jumbo CDs really pay more?,” facts changed 2026-10-24, https://apyledger.com/guides/jumbo-cd-vs-regular-cd-rates. Data: CC BY 4.0.