So always be sure to shop every certificate type before making a final decision. Though today's best jumbo offers, which typically require a deposit of $100,000 or more, beat the best standard rates in five CD terms, you can do just as well or better in the other three terms with a standard CD. Despite the suggestion that a larger deposit entitles you to a higher return, that's not always the case for jumbo certificate rates, which often pay less than standard CDs.
