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. The direct 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
Marcus by Goldman Sachs earned 4.5 out of 5 on its CD products.
Marcus by Goldman Sachs CD rates
Marcus high-yield CD rates
| Account name | Term | APY | Minimum deposit |
|---|---|---|---|
| High-yield CD | 6 months | 4.10% | $500 |
| High-yield CD | 9 months | 4.10% | $500 |
| High-yield CD | 1 year | 4.10% | $500 |
| High-yield CD | 18 months | 3.90% | $500 |
| High-yield CD | 2 years | 3.70% | $500 |
| High-yield CD | 3 years | 3.65% | $500 |
| High-yield CD | 4 years | 3.60% | $500 |
| High-yield CD | 5 years | 3.60% | $500 |
| High-yield CD | 6 years | 3.60% | $500 |
The bank also offers no-penalty CDs. Funds can be withdrawn following a seven-day waiting period after the account is funded.
Marcus no-penalty CD rates
| Account name | Term | APY | Minimum deposit |
|---|---|---|---|
| No-Penalty CD | 7 months | 3.90% | $500 |
| No-Penalty CD | 11 months | 3.90% | $500 |
| No-Penalty CD | 13 months | 3.90% | $500 |
Marcus by Goldman Sachs also has a rate bump CD.
Marcus rate bump CD rate
| Account name | Term | APY | Minimum deposit |
|---|---|---|---|
| Rate Bump CD | 20 months | 3.90% | $500 |
Note: Annual percentage yields (APYs) shown are as of Nov. 13, 2024 and may vary by region for some products.
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.
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