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Here's How Much You Can Earn with a $100,000 Jumbo CD

You might be surprised at how fast a jumbo CD helps you reach your goals.

By Sean Jackson published 22 December 2025 in Features

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Jumbo CDs are one of the most versatile tools for savers. If you're sitting on $100,000 and want to diversify some of your holdings into a savings account, this is arguably the best savings solution for you.

Why? Because it achieves several objectives: One, the top-earning accounts offer rates above 4%, helping you earn thousands fast.

Two, jumbo CDs don't require you to tie up money for long periods, as they have terms ranging from six months to one year on average. If you want to make some money, avoid the short-term capital gains tax and have quick access to your cash for other investments, a jumbo CD is a suitable, in-between option while you investigate future moves.

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How much can you earn with a $100,000 jumbo CD? I'll break this down, show you the best accounts and key considerations before signing up for one.

A quick way to make thousands effortlessly

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(Image credit: Getty Images)

Even with the Federal Reserve cutting rates three times, jumbo CD rates haven't dropped yet. Here are some of the best options to consider:

Swipe to scroll horizontallyTop-earning jumbo CDs

Account

APY

Min. Deposit

Term

ECFU Financial

4.35%

$100,000

12 months

Finworth

4.25%

$50,000

9 months

Alliant Credit Union

4.05%

$75,000

12 months

State Department Federal Credit Union

4.00%

$100,000

15 months

NexBank

3.96%

$25,000

12 months

State Bank of Texas

3.90%

$100,000

12 months

My eBanc

3.75%

$50,000

6 months

How much can you earn? Let's use our top example, ECFU Financial Credit Union. They have six-month and one-year jumbo CDs offering 4.35% annual percentage yield (APY), which is among some of the best rates I've found with CDs and savings accounts.

Swipe to scroll horizontallyHere's how much you can earn with each term:

Deposit

Term

Earned interest

$100,000

6 months

$2,151.85

$100,000

12 months

$4,350

This shows you can earn thousands of dollars effortlessly in a quick window. Before you sign up for an account, make sure you understand how jumbo CDs work.

What are the downsides of a jumbo CD?

The first is that you're going to limit your earnings compared with riskier investment strategies. If you were to take that $100,000 and place it in an index fund tied to the S&P 500, returns average around 10% annually. However, with the higher returns come elevated risk, and historic averages are not necessarily indicative of what you could earn.

The other thing to consider is that jumbo CDs work the same as regular CDs in that once you sign up, you're locked in for that term. That's why they work great for diversification because it's a great place to park your money and forget about it. But, if you do need it for any reason before the maturity date, early termination fees apply, amounting to months of earned interest.

This could equate to hundreds of dollars, so this approach makes the most sense when you treat jumbo CDs as a part of your bigger investment strategy.

As a final point, it's important to remember that the interest will count as taxable income, so you should consider if the yield would impact your tax strategy.

Is now a good time to lock in a jumbo CD?

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(Image credit: Getty Images)

Now is an excellent time to sign up for a jumbo CD. The Federal Reserve has been on a rate-cutting spree due to ample signs of weakness in the job market.

That's what makes CDs such worthwhile investments: They offer fixed interest rates. If you sign up for one today and the Fed cuts rates a few times while you have your CD, it doesn't impact your earnings, since CDs have fixed interest rates.

Given that rates can drop at any moment following a Fed decision, you'll want to strike now while rates far outpace inflation. Whether you want a jumbo CD or another CD term, this Bankrate tool can match you with one fast:

See Our Best Jumbo CD Rates
Where to Store Your Cash in 2026
CD vs. High-Yield Savings Account: Which is Better?

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Sean JacksonPersonal finance eCommerce writer

Sean is a veteran personal finance writer, with over 10 years of experience. He's written finance guides on insurance, savings, travel and more for CNET, Bankrate and GOBankingRates.