Marcus by Goldman Sachs CD rates
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Marcus has built a strong reputation for CD rates. Bankrate gives their CDs 4.5 out of 5 stars, and that's because they consistently offer competitive yields without tiered rates or high minimums.
You'll find 13 different terms from 6 months to 6 years, all with a $500 minimum. Marcus offers three types: regular CDs with the best rates, no-penalty CDs you can close early, and one rate bump CD that protects you if rates go up.
Marcus CD rates
| Term | APY | Min. deposit | Product Name |
|---|---|---|---|
| 6 months | 4.05% APY | $500 | CD |
| 7 months | 3.90% APY | $500 | No-Penalty CD |
| 9 months | 4.00% APY | $500 | CD |
| 11 months | 3.95% APY | $500 | No-Penalty CD |
| 1 year | 4.00% APY | $500 | CD |
| 13 months | 3.95% APY | $500 | No-Penalty CD |
| 18 months | 4.00% APY | $500 | CD |
| 20 months | 3.90% APY | $500 | Rate Bump CD |
| 2 years | 3.95% APY | $500 | CD |
| 3 years | 3.90% APY | $500 | CD |
| 4 years | 3.85% APY | $500 | CD |
| 5 years | 3.90% APY | $500 | CD |
| 6 years | 3.90% APY | $500 | CD |
Note: Annual percentage yields (APYs) were last updated between Dec. 18 and Dec. 24 and may vary by region.
Rate history for Marcus' CD accounts
See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.
How Marcus CD rates compare to top-yielding banks
Marcus consistently ranks among the top online banks for CD rates. The rates are competitive, the terms give you options, and there's no different rates based on your balance.
That said, other banks sometimes edge them out on specific terms. It's worth spending five minutes to compare top CD rates before you open an account, especially for larger deposits where a 0.10% difference actually matters.
Other savings options at Marcus
Marcus also has a high-yield savings account with no minimums and no fees. It's a solid pairing with their CDs — keep your emergency fund liquid in savings and lock in rates on money you won't need soon.