A Higher Interest Rate & Transaction Flexibility.
Premium Earnings Without a Fixed Term
One of the biggest advantages of the Jumbo Savers Account is that it provides certificate-like earning potential while keeping your funds liquid. Unlike a CD, there is:
- No fixed maturity date.
- No early withdrawal penalties.
- No need to wait months or years to access your savings.
This flexibility makes the account a strong choice for members who want to earn more while maintaining access to funds for investment opportunities, real estate purchases, business expenses, or unexpected financial needs.
Easy Access to Your Funds
Although the account is intended for long-term savings, your money remains readily available whenever you need it. Members can:
- Transfer funds between eligible Circle FCU accounts.
- Manage the account through online and mobile banking.
- Continue making deposits without restrictions.
- Access their savings without waiting for a maturity date.
This level of accessibility distinguishes the Jumbo Savers Account from traditional certificates while still rewarding larger balances with a premium rate.
Jumbo Savers vs. Premier Money Market
| Premier Money Market | Jumbo Savers |
| Tiered dividend rates beginning with smaller balances | Single premium rate for balances of $100,000 and above |
| Maximum APY of 1.01% | Earns up to 3.04% APY |
| Suitable for a wide range of savings balances | Designed specifically for large deposits |
| Flexible withdrawals and transfers | Flexible withdrawals and transfers with no maturity date |
| No monthly fees | No monthly fees or qualification requirements beyond maintaining the minimum balance |
Federally Insured Security
Like other qualifying deposit accounts at Circle Federal Credit Union, the Jumbo Savers Account is federally insured by the National Credit Union Administration (NCUA) for up to $250,000 per member, per ownership category. This government-backed insurance protects eligible deposits while allowing members to pursue higher returns with confidence.
Minimum balance to open Jumbo Savers Account and earn 3.04% APY is $100,000. If at any time during the dividend period, the account balance falls below $100,000, dividends are not accrued for that day. Limit one Jumbo Savers Account per membership. APY = Annual Percentage Yield. All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Circle Federal Credit Union members only. Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender.
