The more you invest, the more you get. That’s the basic law of CD. To get the Highest CD Rates, you will need to invest a large amount of money. Best CD Rates are often available in Jumbo CD. Jumbo CD in a sense is the same with normal CD but they require much larger capital to invest with. Although FDIC only insure US $100,000, Jumbo CD can be appealing since many of the minimums are US $ 95,000. This means you can enjoy the best rates while still covered in the insurance. Of course the interest rate will beat the Bank Interest Rates.