Best Jumbo Cd Rates July 2024. The nation's best cd rates are 6.00% for 10 months, 5.51% for 3 or 6 months, and 5.50% on varying terms between 3 and 9 months. Discover® certificates of deposit — 3.75% apy.

Pros and cons of jumbo cds;. If you have a large sum of money to deposit in the bank, you can earn high rates with a jumbo cd.