Where to Keep $100,000 in Savings: Best Rates, FDIC Limits and CDs
$100,000 fits under the FDIC limit at one bank. What it earns in the top savings accounts and CDs we track, what the STACK bonus adds and what to check before moving it.
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$100,000 fits within the FDIC’s $250,000 limit at a single bank, so you can keep it all in one high yield savings account. The top accounts we track pay about $4,150 to $4,400 a year on $100,000. New Raisin customers can add a $425 STACK bonus at that balance (first deposit by Nov 30, 2026), which puts BMW Bank’s 4.15% APY account at about $4,575 for the first year. If you can lock some of it away, the best 5 year CDs we track pay 5.00% APY. Rates checked at each bank’s site on Nov 4 and 5, 2026; each bank’s own rate date is shown below.
At this balance, small rate differences turn into real dollars: every 0.10 percentage points is worth about $100 a year. Here is where $100,000 earns the most, what the bonus is worth and when a CD makes sense.
What does $100,000 earn in a high yield savings account?
| Account | APY | Rate as of | Interest, 1 year | Cash bonus | Year one total |
|---|---|---|---|---|---|
| BMW Bank High Yield Savings (via Raisin) | 4.15% | Nov 5, 2026 | $4,150 | $425* | $4,575 |
| Western Alliance Bank High Yield Savings (via Raisin) | 4.30% for 90 days, then 4.00% | Oct 27, 2026 | $4,074 | $425* | $4,499 |
| Pibank Savings | 4.40% | Oct 21, 2026 | $4,400 | None | $4,400 |
| Elevault High Yield Savings | 4.34% | May 5, 2026 | $4,340 | None | $4,340 |
| Peak Bank Envision High Yield Savings | 4.27% (new accounts) | Oct 1, 2026 | $4,270 | None | $4,270 |
| EverBank Performance Savings | 4.20% (new accounts) | Oct 30, 2026 | $4,200 | None | $4,200 |
Interest only, if each APY stays the same for a year with nothing withdrawn; savings rates are variable. Western Alliance includes 90 days at 4.30% and the rest at 4.00%. Peak and EverBank quote these rates for new accounts. *STACK: $425 for $100,000 to $199,999 in new deposits on Raisin. New Raisin customers only; code STACK at sign up; first deposit started by Nov 30, 2026, 11:59pm ET; money deposited within 14 days and kept on Raisin for 90 days. See our Raisin STACK bonus guide. Cash bonuses are usually taxable as interest.
Without the bonus, Pibank pays the most here. With it, the two Raisin accounts come out ahead in year one. After that, the higher ongoing rate wins, so check the rate each account pays without promos. See the full ranking in our best high yield savings accounts.
BMW Bank High Yield Savings
Earn 4.15% APY with BMW Bank's high yield savings, exclusively on Raisin- Limited time: use code STACK for a cash bonus up to $1,000*
- No direct deposit, account fees or balance requirements
- Deposits held by BMW Bank of North America, Member FDIC
- FDIC insurance up to $250,000 for individual accounts and $500,000 for joint accounts
For month by month interest on $100,000 at different rates, see how much interest $100,000 earns.
Is $100,000 safe in one bank?
Yes, at an FDIC insured bank. The FDIC covers up to $250,000 per depositor, per insured bank, per ownership category. So $100,000 in your own name at one bank is fully covered, and a joint account with two owners is covered up to $500,000. If your savings grow past the limit, spread them across banks or ownership categories. Raisin can help here: you hold accounts at several FDIC insured banks under one login, and each bank’s coverage applies separately. More in are high yield savings accounts safe?
Should some of it go in a CD?
If part of the money will sit untouched for a year or more, a CD fixes your rate even if savings rates fall. The best CDs we track:
| CD | APY | Minimum | Rate as of | Interest on $100,000, 1 year |
|---|---|---|---|---|
| Sallie Mae 5 year CD | 5.00% | $2,500 | Nov 4, 2026 | $5,000 |
| Popular Direct 5 year CD | 5.00% | $10,000 | Oct 26, 2026 | $5,000 |
| Bread Savings 18 month CD | 4.85% | $1,500 | Nov 4, 2026 | $4,850 |
| CFG Bank 2 year CD | 4.82% | $500 | Oct 27, 2026 | $4,820 |
| E*TRADE 2 year CD | 4.80% | $0 | Nov 4, 2026 | $4,800 |
From each bank’s website at our Nov 4, 2026 CD check. CDs usually charge a penalty to withdraw early. See every term on our CD rates page.
A common setup is to keep an emergency fund in high yield savings and put money with a known future date into CDs, or into a CD ladder so a slice comes due every few months.
What else to check before you move $100,000
- Transfer limits. Many online banks cap how much you can move in or out per day, so a large move may take several transfers.
- Bonus rules. If you go for a bonus, keep the full amount in place for the whole holding period.
- Taxes. At 4.15% to 5.00%, $100,000 earns $4,000 to $5,000 a year in taxable interest.
- Promo rates. Rates labeled for new accounts or for a set number of days can drop later.
Weighing Treasury bills instead? See Treasury bills vs high yield savings, with current bill yields, the state tax difference and the 45 day TreasuryDirect hold.
Comparing balance caps and tiers above $100,000? See the best savings accounts for large balances.
Frequently asked questions
Where can I earn the most on $100,000 in savings?
Among the accounts we track, Pibank pays the highest savings APY at 4.40% (as of Oct 21, 2026), about $4,400 a year on $100,000. With Raisin’s STACK bonus of $425, BMW Bank at 4.15% APY comes to about $4,575 in the first year for new Raisin customers who deposit by Nov 30, 2026.
Is $100,000 FDIC insured in one bank?
Yes. The FDIC insures up to $250,000 per depositor, per insured bank, per ownership category, so $100,000 in one name at one FDIC insured bank is fully covered.
How much interest does $100,000 earn in a year?
About $4,000 to $4,400 in the top high yield savings accounts we track, and about $5,000 in a 5.00% APY CD, if rates hold for the year.
Should I put $100,000 in a CD or a savings account?
Savings keeps the money available and the rate can change. A CD fixes the rate for its term but usually charges a penalty to withdraw early. Many savers keep emergency money in savings and money they will not need for a while in CDs.
Is interest on $100,000 taxable?
Yes. Interest and most cash bonuses are taxable income, and banks report them on Form 1099 INT.
Compare today’s top savings rates
Happen Bank LevelUp SavingsAPY as of Nov 6, 20264.20%with $250 or more in deposits each monthReview →
