Bank · FDIC insured
Marcus by Goldman Sachs CD Rates
Top CarrotMarcus by Goldman Sachs’s best CD rate is 4.40% APY on a 1-year CD. Terms run from 6 months to 6 years. Rates checked October 16, 2026.
How Marcus by Goldman Sachs’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Marcus by Goldman Sachs
4.40%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $440
High-Yield CD
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
Marcus by Goldman Sachs CD score
96
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo4.40%
- 16–30 months16–30 mo4.40%
- 31–60 months31–60 mo4.40%
- QualifiedQualified4.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Marcus by Goldman Sachs ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
High-Yield CD
Up to 4.40%APY · 9 terms
$500 minimum balance/opening deposit. Fixed rate until maturity. Early withdrawal penalty applies to withdrawal of principal prior to maturity (90 days interest for <= 1 year, 180 days interest for > 1 to 5 years, 270 days interest for > 5 years). 10-Day CD Rate Guarantee applies. Maximum balance limits apply. Additional deposits allowed within first 30 days after opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months$500 minimum deposit to open and earn stated APY. Early withdrawal penalty applies. Maximum balance limits apply | 3.95% | $196 |
| 9 months$500 minimum deposit to open and earn stated APY. Early withdrawal penalty applies. Maximum balance limits apply | 4.30% | $321 |
| 12 months$500 minimum deposit to open and earn stated APY. Early withdrawal penalty applies. Maximum balance limits apply | 4.40% | $440 |
| 18 months$500 minimum deposit to open and earn stated APY. Early withdrawal penalty applies. Maximum balance limits apply | 4.40% | $667 |
| 24 months$500 minimum deposit to open and earn stated APY. Early withdrawal penalty applies. Maximum balance limits apply | 4.40% | $899 |
| 36 months$500 minimum deposit to open and earn stated APY. Early withdrawal penalty applies. Maximum balance limits apply | 4.40% | $1,379 |
| 48 months$500 minimum deposit to open and earn stated APY. Early withdrawal penalty applies. Maximum balance limits apply | 4.40% | $1,880 |
| 60 months$500 minimum deposit to open and earn stated APY. Early withdrawal penalty applies. Maximum balance limits apply | 4.40% | $2,402 |
| 72 months$500 minimum deposit to open and earn stated APY. Early withdrawal penalty applies. Maximum balance limits apply | 4.40% | $2,948 |
Rate Bump CD
4.35%APY · 1 term
$500 minimum to open. Fixed rate with option to request a rate increase to the highest APY and interest rate offered for the same term if rates rise during the term. Additional funds may be added during initial 30 days after opening and for 10 calendar days beginning on the day a Rate Bump Request is submitted. Early withdrawal penalty applies prior to maturity (90 days interest for <= 1 year, 180 days interest for > 1 to 5 years, 270 days interest for > 5 years). Maximum balance limits apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 20 months$500 minimum to open and earn stated APY. Early withdrawal penalty applies to a withdrawal of principal prior to maturity. Option to request an increase to the highest APY and interest rate offered for the same term prior to maturity. Maximum balance limits apply | 4.35% | $735 |
No-Penalty CD
Up to 4.00%APY · 3 terms
$500 minimum balance/opening deposit. Full balance withdrawal permitted penalty-free beginning 7 days after funding date (no partial withdrawals; account will be closed upon withdrawal). No additional deposits permitted once balance reaches $500. 10-Day CD Rate Guarantee applies. Maximum balance limits apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months$500 minimum to earn stated APY. Withdrawal of full balance permitted starting 7 days after funding date. Maximum balance limits apply | 3.75% | $217 |
| 11 months$500 minimum to earn stated APY. Withdrawal of full balance permitted starting 7 days after funding date. Maximum balance limits apply | 4.00% | $366 |
| 13 months$500 minimum to earn stated APY. Withdrawal of full balance permitted starting 7 days after funding date. Maximum balance limits apply | 3.80% | $412 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.