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Marcus by Goldman Sachs CD rates

Written by
Marcos Cabello
Edited by
Hanna Horvath, CFP
Updated May 1, 2025
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Marcus by Goldman Sachs offers certificates of deposit (CDs) across numerous terms — from six months to six years. In Bankrate's review, Marcus earned 4.9 out of 5 on its CD products.

The bank’s CDs offer competitive yields and require just $500 to open across several CD types, including:

  • Standard high-yield CDs
  • No-penalty CDs
  • One rate bump CD

For Marcus' no-penalty CDs, funds can be withdrawn following a seven-day waiting period after the account is funded.

Marcus CD rates

Product Name Term APY Min. deposit
CD 6 months 4.20% APY $500
No-Penalty CD 7 months 4.00% APY $500
CD 9 months 4.20% APY $500
No-Penalty CD 11 months 3.90% APY $500
CD 1 year 4.10% APY $500
No-Penalty CD 13 months 3.90% APY $500
CD 14 months 4.25% APY $500
CD 18 months 4.00% APY $500
Rate Bump CD 20 months 3.90% APY $500
CD 2 years 3.95% APY $500
CD 3 years 3.90% APY $500
CD 4 years 3.75% APY $500
CD 5 years 3.75% APY $500
CD 6 years 3.75% APY $500

Note: Annual percentage yields (APYs) were last updated between May 16 and May 22 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.

Marcus
APY
APY
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National average APY
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How do we get this data?
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How Marcus CD rates compare to top-yielding banks

Marcus offers a competitive APY on several terms of CDs. However, you may find higher yields at another bank.

Compare the top CD rates before committing your savings to a CD.

Other savings options at Marcus

Savers seeking more liquidity do have another option at Marcus. The bank also offers a high-yield savings account that has no fees or minimum account requirements. The account doesn’t limit the number of withdrawals or transfers that can be made, following a change made by the Federal Reserve Board to Regulation D in April 2020.

Marcos Cabello Arrow Right Icon Writer, Banking and Deposits
Marcos Cabello is a banking writer at Bankrate, where he’s dedicated to helping readers make the best decisions about their finances. Previously, Marcos wrote about money for CNET and NextAdvisor, running the gamut of personal finance topics including U.S. economic policy and cryptocurrency.