Top 10 Jumbo Money Market Accounts. CFG Bank, 1.95% APY, $25,000 minimum to earn APY. Maryland-based bank CFG Bank is currently offering the highest APY on a jumbo money market My eBanc, 1.40% APY, $100,000 minimum to earn APY. My eBanc is a division of BAC Florida Bank, and offers an array of Savings rates are displayed in terms of APY to indicate the effective annual-interest return, including the compounding of interest, of the course of a single year. $100,000 deposited in a savings or CD account with a 1.20% APY will earn $1,200 in the course of the year, CDs allow you to save money with a fixed interest rate for a fixed amount of time, called a term. Capital One CD terms range from 6 months to 60 months.