Marcus by Goldman Sachs CD rates
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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For Marcus' no-penalty CDs, funds can be withdrawn following a seven-day waiting period after the account is funded.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
| Term | APY | Min. deposit | Product Name |
|---|---|---|---|
| 6 months | 4.40% APY | $500 | CD |
| 7 months | 4.15% APY | $500 | No-Penalty CD |
| 9 months | 4.30% APY | $500 | CD |
| 11 months | 3.90% APY | $500 | No-Penalty CD |
| 1 year | 4.20% APY | $500 | CD |
| 13 months | 4.15% APY | $500 | CD |
| 13 months | 4.15% APY | $500 | No-Penalty CD |
| 18 months | 4.00% APY | $500 | CD |
| 18 months | 4.00% APY | $500 | CD |
| 20 months | 3.90% APY | $500 | Rate Bump CD |
| 2 years | 3.95% APY | $500 | CD |
| 2 years | 3.95% APY | $500 | CD |
| 3 years | 3.90% APY | $500 | CD |
| 3 years | 3.90% APY | $500 | CD |
| 4 years | 3.85% APY | $500 | CD |
| 4 years | 3.85% APY | $500 | CD |
| 5 years | 3.90% 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 Sept. 8 and Sept. 14 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 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.