Price a $100,000+ CD and check it stays FDIC insured.
المعدل معروض كـ
1 سنة
المدد الشائعة
دورية احتساب الفائدة المركبة
١٥٠٬٠٠٠٫٠٠ US$ في شهادة إيداع لمدة 1 سنة بمعدل ٤٫٥٥% APY، بفائدة مركبة يومي، تنمو إلى ١٥٦٬٨٢٥٫٠٠ US$ — أي ٦٬٨٢٥٫٠٠ US$ من الفائدة، بمتوسط ٥٦٨٫٧٥ US$ شهريًا.
الرصيد خلال المدة
| الشهر | أصل المبلغ | الفائدة | الرصيد |
|---|---|---|---|
| عند الفتح | ١٥٠٬٠٠٠٫٠٠ US$ | ٠٫٠٠ US$ | ١٥٠٬٠٠٠٫٠٠ US$ |
| 2mo | ١٥٠٬٠٠٠٫٠٠ US$ | ١٬١١٦٫٥٢ US$ | ١٥١٬١١٦٫٥٢ US$ |
| 5mo | ١٥٠٬٠٠٠٫٠٠ US$ | ٢٬٨٠٦٫٨٩ US$ | ١٥٢٬٨٠٦٫٨٩ US$ |
| 7mo | ١٥٠٬٠٠٠٫٠٠ US$ | ٣٬٩٤٤٫٣٠ US$ | ١٥٣٬٩٤٤٫٣٠ US$ |
| 10mo | ١٥٠٬٠٠٠٫٠٠ US$ | ٥٬٦٦٦٫٣١ US$ | ١٥٥٬٦٦٦٫٣١ US$ |
| 1y | ١٥٠٬٠٠٠٫٠٠ US$ | ٦٬٨٢٥٫٠٠ US$ | ١٥٦٬٨٢٥٫٠٠ US$ |
Calculated in your browser using A = P(1 + r/n)nt. Nothing is sent to a server. Figures are before tax; confirm exact terms with your bank.
آخر مراجعة للمعادلات والمحتوى . أسعار البنوك تتغيّر باستمرار — تأكّد من الأسعار الحالية مباشرةً مع مؤسستك المالية.
الإجابة المختصرة
A jumbo CD is a certificate of deposit with a minimum opening deposit of $100,000 — sometimes $50,000 — that in exchange pays a slightly higher rate than the same bank's standard CD. The premium is smaller than the name suggests. A $150,000 jumbo at 4.55% APY for 12 months matures at $156,825.00, against $156,600.00 at a standard 4.40%, so the jumbo tier is worth $225.00 for the year. Two things matter more than that premium. First, FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category, so a balance above that line is uninsured unless it is split across banks or ownership structures. Second, online banks routinely pay their standard rate on any balance, which frequently beats a brick-and-mortar bank's jumbo tier outright — meaning the best rate on a large deposit is often not a jumbo CD at all.
المعادلة والطريقة
A = P(1 + r/n)^(nt)
The same compound growth formula as any CD. Size changes the rate tier, not the arithmetic.
Confirm the deposit clears the bank's jumbo minimum — usually $100,000.
Enter the jumbo-tier rate, which is quoted separately from the standard rate sheet.
Compute the maturity value, then repeat with the standard rate to price the premium.
Check the maturity value, not just the deposit, against the $250,000 insurance limit.
If it exceeds the limit, split the deposit across banks or ownership categories before opening.
دليل الاستخدام
Type the whole amount you intend to place, including any that will sit above the insurance limit — you need to see the total to know whether it does.
Banks publish jumbo tiers on a separate line of the rate sheet. Using the standard rate here understates the result and defeats the comparison.
Run the calculation twice — once at the jumbo rate, once at the standard rate. The difference is what the higher minimum is actually buying you.
The maturity value is what has to stay insured, not the opening deposit. Interest that pushes the balance over the line is uninsured too.
أمثلة
المدخلات
النتيجة
The jumbo tier pays $225 more on $150,000 — a 0.15% rate premium, which is typical. An online bank paying 4.75% on any balance would beat both by $300 or more, without a minimum at all.
المدخلات
النتيجة
Over $168,000 would sit outside FDIC protection. Splitting the deposit across two banks, or holding one CD jointly — a joint account covers $250,000 per owner, so $500,000 for two — brings the whole balance back inside coverage at no cost to the rate.
المنهجية
The jumbo minimum is assumed to be $100,000. Some institutions set it at $50,000 and a few at $250,000; check the rate sheet.
Rates shown are illustrative. Jumbo premiums have compressed as online banks moved to flat rates regardless of balance, and at some banks the jumbo tier now pays less than the standard promotional CD.
FDIC coverage is $250,000 per depositor, per insured bank, per ownership category. Two accounts in the same category at the same bank share one limit.
The calculation ignores tax. On a six-figure deposit the annual 1099-INT is substantial and, on a multi-year CD, payable before you can access the money.
تتبع الأعراف المعتمدة هنا قاعدة Regulation DD (12 CFR 1030)، وهي التي تحكم كيفية إفصاح المؤسسات الأمريكية عن APY على حسابات الودائع. والودائع لدى المؤسسات المؤمَّنة محمية من FDIC حتى $250,000 لكل مودع، ولكل بنك، ولكل فئة ملكية.
المصادر الأولية
التفاصيل
The jumbo premium is usually 0.05%–0.20% over the standard tier, and at several large banks it is now zero. Confirm both tiers before assuming the larger minimum buys anything.
Interest counts toward the insurance limit. A $245,000 deposit is fully covered on day one and partly uninsured by maturity — open at a level that leaves headroom for the interest.
Ownership categories multiply coverage at a single bank: single, joint, certain revocable trusts and retirement accounts each carry their own $250,000. A married couple can insure $500,000 jointly plus $250,000 each individually.
Brokered jumbo CDs let you spread a large sum across many banks from one account, each tranche separately insured. The trade-off is that you sell on a secondary market rather than redeem early, so the exit price moves with rates.
Early withdrawal penalties scale with the balance. A 365-day interest penalty on a $400,000 five-year CD is over $18,000 — read the penalty clause with particular care at this size.
كيف ترتبط ببعضها
التطبيقات
A large sum with a known date attached is the textbook CD use case. Match the term to the date, and check the whole balance including interest stays inside coverage.
Jumbo tiers look attractive on a large rollover, but the FDIC limit usually forces a split across institutions anyway — at which point the jumbo minimum may no longer be met at either.
Business deposits are insured separately from personal ones at the same bank, and trust accounts follow their own beneficiary-based rules. Both change how much of a large CD is covered.
أدوات ذات صلة
الأسئلة الشائعة
Most banks set it at $100,000. A meaningful minority use $50,000, and a few private-banking tiers start at $250,000. The minimum is set by the institution, not by regulation, so it varies more than the name implies.
الأمان والخصوصية
تستخدم أعراف الفائدة المركبة وAPY نفسها التي تتبعها البنوك بموجب Regulation DD.
لا تسجيل، ولا جدار بريد إلكتروني، ولا اشتراك مدفوع. وكل حاسبة صالحة للاستخدام بالكامل من أول زيارة.
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Enter a six-figure deposit and see the maturity value, the jumbo premium and whether the balance stays inside the FDIC limit.