Credit One Jumbo High Yield Savings Account Review (2026)

h2>What we like about Credit One Jumbo High Yield Savings

The good parts of this account are really good. And of course, the account has FDIC deposit insurance, protecting deposits up to the typical limit of $250,000.

For withdrawal and deposit limitations, you’re allowed to withdraw or deposit up to $1,100,000 per day, and unlike most traditional savings accounts, you’re not limited to six withdrawals per statement cycle.

High APY and no monthly fees

Credit One Jumbo High Yield Savings has a 4.05% APY, with no messy tiers and no monthly fees. It’s a simple account with clear requirements and no monthly maintenance fees that eat away at your cash.

We couldn’t find specific information about how the account’s interest is paid, but we do know that the Credit One jumbo CDs accrue interest daily and credit monthly, so we’re betting that’s the case with this Jumbo High Yield Savings as well.

Loyalty rates for CD and savings customers

If you have both a Credit One Jumbo CD and the Jumbo High Yield Savings account, you can earn loyalty rates with Credit One.

At the time of writing, the loyalty rate is a 0.05% rate boost. This same loyalty rate also applies to those who rollover their Credit One CDs at maturity.

What could be better

The Credit One Jumbo High Yield Savings is for a specific type of person: someone with $100,000 who can also keep that $100,000 in a single account.

High deposit and balance requirements

If you don’t have at least $100,000, you won’t be able to open or maintain this account.

In a way, it’s very similar to Credit One’s jumbo certificate of deposit (CD) offerings, which also require a $100,000 opening deposit. Granted, those rates are high, and they are clearly labeled “jumbo,” but that deposit requirement is a major barrier to entry for most folks.

And since the Jumbo High Yield Savings account requires you to maintain a balance of $100,000, your funds are practically locked in there until you decide to close. Credit One says you can withdraw funds to drop your balance below that $100,000 threshold, but they will notify you and tell you to bring the balance back up to the required amount. And if we had to guess, if you don’t increase your balance to the required amount, they’ll probably close your account swiftly.

No branches or cash deposits

While we mention this for just about every digital bank account, the Credit One is an online bank without any physical branches locations. You’ll need to open the account online and fund it through an external bank account ACH transfer. This means there’s no way to deposit cash, and you don’t get an ATM card to access your money that way.

Compare Credit One to other top savings accounts

Narrow down top savings accounts by APYs, fees and features. Select Compare on up to four accounts for a side-by-side comparison.

{"userFilters":[{"componentType":"MULTI-SELECT CHECKBOX","options":{"comparator":"contains","includeAllSelection":false,"defaultMatcher":"ANY","values":["8.95-10","6.95-8.94999","4.95-6.94999","0-4.94999"],"fields":[{"label":"[[FINDER_SCORE_BADGE|9+]] Excellent: 9+","value":"8.95-10","comparator":"range"},{"label":"[[FINDER_SCORE_BADGE|7+]] Great: 7+","value":"6.95-8.94999","comparator":"range"},{"label":"[[FINDER_SCORE_BADGE|5+]] Standard: 5+","value":"4.95-6.94999","comparator":"range"},{"label":"[[FINDER_SCORE_BADGE|0+]] Basic: 0+","value":"0-4.94999","comparator":"range"}]},"dataSelector":{"recordType":"PRODUCT","fieldCode":"FINDER_SCORE.FINDER_SCORE"},"dataType":"NUMBER","label":"Finder Score","queryParameter":"finderScore"},{"config":{"MULTISELECT":true,"VALUES":"ATM\/debit card,Online only,Bonus offer,No monthly fee,Joint account,Crypto account,High APY"},"dataSelector":{"recordType":"product","fieldCode":"DETAILS.ACCOUNT_FEATURES"},"dataType":"TEXT","label":"Account features","order":null},{"config":{"MULTISELECT":true,"VALUES":"Cash by teller, Cash by ATM, Check by teller, Check by ATM, Mobile\/remote check deposit, Bank transfer, Wire transfer, Direct deposit, Fiat currencies, Cryptocurrencies"},"dataSelector":{"recordType":"product","fieldCode":"DETAILS.DEPOSIT_METHODS"},"dataType":"TEXT","label":"Deposit methods","order":null},{"config":{"MULTISELECT":true,"VALUES":"Alabama,Alaska,Arizona,Arkansas,California,Colorado,Connecticut,Delaware,District of Columbia,Florida,Georgia,Hawaii,Idaho,Illinois,Indiana,Iowa,Kansas,Kentucky,Louisiana,Maine,Maryland,Massachusetts,Michigan,Minnesota,Mississippi,Missouri,Montana,Nebraska,Nevada,New Hampshire,New Jersey,New Mexico,New York,North Carolina,North Dakota,Ohio,Oklahoma,Oregon,Pennsylvania,Rhode Island,South Carolina,South Dakota,Tennessee,Texas,Utah,Vermont,Virginia,Washington,West Virginia,Wisconsin,Wyoming"},"dataSelector":{"recordType":"product","fieldCode":"DETAILS.STATE_AVAILABILITY"},"dataType":"TEXT","label":"States serviced","order":null},{"dataSelector":{"recordType":"UI_FILTER_COMPONENT","fieldCode":"SPECIAL_OFFERS"},"dataType":"BOOLEAN","label":"Special offers","componentType":"SpecialOffersFilter","config":{"VALUES":"1","fields":[{"value":"rewards_exclusive","label":"Finder Rewards & exclusives"},{"value":"all_offers","label":"All offers"}]},"options":{"comparator":"eq"},"queryParameter":"special-offers"}],"niche":{"currencySymbol":"$","decimalPoint":".","decimalPlaces":"2","thousandsSeparator":",","filterBoundsMap":{"product.DETAILS.ACCOUNT_FEATURES":null,"product.DETAILS.DEPOSIT_METHODS":null,"product.DETAILS.STATE_AVAILABILITY":null}},"prefilled":false,"experimental":false}

6 of 19 results

Finder Score	Account type	Annual Percentage Yield (APY)	FDIC or NCUA insured amount	Minimum balance to earn APY	Minimum deposit to open
Promoted 8 Great CIT Bank Platinum Savings	8 Great	Traditional savings	Up to 3.75%	Up to $250,000	$0	$100	Earn up to 4.10% APY. Get a 0.35% boost to the standard Platinum Savings APY for six months. The boost applies when an eligible customer opens a new Platinum Savings account or enrolls a qualifying Platinum Savings account using promo code CITBOOST, subject to promotion terms. APYs are variable and may change. T&Cs apply.	Go to site View details Compare product selection Compare	loading
Promoted 9.2 Excellent SoFi Checking and Savings	9.2 Excellent	Traditional savings,Checking	Up to 3.30%	Up to $250,000	$0	$0	Earn up to 4.20% APY on savings and $50 or $400 with direct deposit. Open a new SoFi Checking and Savings account by 31 December 2026, set up eligible direct deposit within 60 days, and maintain direct deposit for six months. 0.90% Boost on Savings APY to up to 4.20% for up to 6 months on new accounts. T&Cs apply.	Go to site View details Compare product selection Compare	loading
Promoted 9.2 Excellent Public High-Yield Cash Account	9.2 Excellent	Cash management account	3.30%	Up to $250,000	$0	$0	Go to site View details Compare product selection Compare	loading
9.7 Excellent Live Oak Bank through Raisin	9.7 Excellent	Traditional savings	4.00%	Up to $250,000	$0.01	$0	Up to $1200 with code SUMMER26. T&Cs apply.	Continue View details Compare product selection Compare	loading
Not scored yet Robinhood Banking	Not scored yet	Cash management account	3.50%	up to $2.5 million	$0	$0	Continue View details Compare product selection Compare	loading
8.6 Great Alliant High-Rate Savings	8.6 Great	Savings app	3.01%	Up to $250,000 by the NCUA	$100	$5	$5 opening deposit is paid for you. T&Cs apply.	Go to site View details Compare product selection Compare	loading

loading

Load More

Showing 6 of 19 results

Compare other products

Looking for other options? Check out these similar products.

How we picked these

What is the Finder Score?

The Finder Score crunches over 250 savings accounts from hundreds of financial institutions. It takes into account the product's interest rate, fees, opening deposit and features - this gives you a simple score out of 10.

To provide a Score, Finder’s banking experts analyze hundreds of savings accounts against FDIC-reported national averages as a baseline. Accounts with rates well over the national average are scored the highest, while accounts with rates well below are scored low.

Read the full breakdown

Customer reviews and ratings

Credit One has a decent amount of customer feedback, and it shakes out to being middle of the road.

Overall, folks are generally pleased with the account opening process, saying the platform is clear and easy to use, and has a quick approval/denial process. A lot of the positive reviews are in reference to Credit One’s credit cards, which to be clear, is shocking. Most credit card providers are flooded with negative reviews so this is good to see.

On the other side of the spectrum, not-so-happy folks mostly complain about customer service, but it’s also in reference to credit cards. Many people say they don’t like how the credit cards have annual fees, or wish their credit limit was higher, or just have generally bad experiences with customer support.

There aren’t many specific reviews about its savings products, but most people don’t leave reviews for CDs or savings accounts because they aren’t complicated products (for the most part).

So while feedback on Credit One’s savings products is minimal, we usually take that as good news when it comes to feedback on financial products. Most people leave reviews for banks if they’ve had a negative experience (or were prompted by the bank to leave a review).