Best Jumbo CD Rates Today: November 14, 2025 – Earn Up to 4.35% APY

по

15.11.2025

If you have a substantial amount of cash to invest, a jumbo certificate of deposit (CD) can be a smart move. Currently, the highest rate available is 4.35% Annual Percentage Yield (APY) for a 12-month term from GECU, requiring a minimum deposit of $50,000.

Jumbo CDs typically demand at least $50,000, though some institutions accept lower amounts. Like standard CDs, these accounts are federally insured by the FDIC (for banks) or NCUA (for credit unions), offering security alongside competitive returns. With rates still favorable, now could be an ideal time to lock in a high-yield jumbo CD.

Top Jumbo CD Rates for November 14, 2025

Institution	Term	APY	Minimum Deposit
GECU	12 months	4.35%	$50,000
[Other Bank]	18 months	4.20%	$100,000
[Credit Union]	6 months	4.10%	$50,000

Note: Rates and terms are subject to change.

Jumbo vs. Regular CDs: Which Pays More?

While jumbo CDs sometimes offer slightly higher rates, the large minimum deposits can be a barrier. Many banks and credit unions also offer competitive promotional rates on standard CDs with much lower deposit requirements.

Here’s a quick comparison:

Feature	Jumbo CD	Regular CD
Minimum Deposit	$50,000+	$500+
APY	Typically higher	Competitive, often similar
Accessibility	Less flexible	More accessible

Pros and Cons of Jumbo CDs

Pros:

Higher Potential Returns: Jumbo CDs may offer slightly better APYs than standard CDs.
FDIC/NCUA Insurance: Deposits are protected up to $250,000 per depositor, per institution.
Fixed Income: Provides a guaranteed return for a set period.

Cons:

Large Minimum Deposit: Requires a substantial amount of cash upfront.
Limited Liquidity: Funds are locked in for the term, with penalties for early withdrawal.
Potential Inflation Risk: Returns may not keep pace with inflation.

Early Withdrawal Penalties

Withdrawing funds before maturity will incur a penalty. Penalties typically range from several months to a year’s worth of interest. Always check the specific terms before opening an account.

Pro Tip: If comparing two CDs with similar APYs, prioritize the one with the shortest or lowest early withdrawal penalty.

Ensuring Full Insurance Coverage

The FDIC/NCUA insures deposits up to $250,000 per depositor, per institution, per ownership category. If your balance exceeds this limit, only a portion will be covered.

To maximize coverage:

Confirm Insurance: Verify that your CD is insured by the FDIC or NCUA.
Check Limits: The standard coverage is $250,000.
Spread Deposits: Divide funds across multiple institutions.
Joint Accounts: Consider joint ownership to increase coverage.
Document Everything: Keep clear records of all accounts.

CD Rate Outlook: November 2025

The Federal Reserve has cut rates twice this year, and further cuts are possible before year-end. Current jumbo CD rates range from 4.35% to 4.02%, depending on the term and institution.

If you’re considering a jumbo CD now:

Rate Certainty: Lock in a 12- to 24-month term to secure a yield before rates fall further.
Flexibility: Compare short-term CDs or jumbo money market accounts for easier access to funds.
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

Feature	Jumbo CD	Jumbo Money Market
Earnings	Fixed APY	Variable rate
Access	Limited	More flexible
Best For	Long-term savings	Short-term liquidity

Is a Jumbo CD Right for You?

Before committing, ask yourself:

Is the CD FDIC/NCUA insured?
What are the minimum deposit and fees?
Does the APY and term align with your goals?
Is it a non-callable CD?
Have you compared rates across institutions?
Can you leave the money untouched until maturity?

Bottom Line: If you have a substantial balance you won’t need to access soon, locking in a jumbo CD now can secure a top yield while keeping your funds federally insured.