Price a $100,000+ CD and check it stays FDIC insured.
Le taux est exprimé en
1 an
Durées courantes
Fréquence de capitalisation
150 000,00 $US dans un CD sur 1 an à 4,55% APY, capitalisé quotidienne, atteint 156 825,00 $US — soit 6 825,00 $US d’intérêts, en moyenne 568,75 $US par mois.
Solde sur la durée
| Mois | Capital | Intérêts | Solde |
|---|---|---|---|
| À l’ouverture | 150 000,00 $US | 0,00 $US | 150 000,00 $US |
| 2mo | 150 000,00 $US | 1 116,52 $US | 151 116,52 $US |
| 5mo | 150 000,00 $US | 2 806,89 $US | 152 806,89 $US |
| 7mo | 150 000,00 $US | 3 944,30 $US | 153 944,30 $US |
| 10mo | 150 000,00 $US | 5 666,31 $US | 155 666,31 $US |
| 1y | 150 000,00 $US | 6 825,00 $US | 156 825,00 $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.
Formules et contenu vérifiés pour la dernière fois le . Les taux bancaires évoluent fréquemment — confirmez les taux en vigueur directement auprès de votre établissement.
La réponse en bref
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.
Formule et méthode
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.
Mode d'emploi
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.
Exemples
Données saisies
Résultat
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.
Données saisies
Résultat
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.
Méthodologie
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.
Les conventions suivent la Regulation DD (12 CFR 1030), qui encadre la façon dont les établissements américains communiquent l'APY des comptes de dépôt. Les dépôts effectués auprès d'établissements assurés sont protégés par la FDIC jusqu'à $250,000 par déposant, par banque et par catégorie de propriété.
Sources primaires
Détails
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.
Les liens entre les notions
Cas d'usage
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.
Outils associés
FAQ
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.
Sécurité et confidentialité
Utilise les mêmes conventions d'intérêts composés et d'APY que les banques soumises à la Regulation DD.
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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.