Marcus by Goldman Sachs high-yield CDs paid 3.95% to 4.40% APY on the terms listed below as of October 15, 2026, with a $500 minimum. Marcus’s page shows terms from 6 months to 6 years, and a separate No-Penalty CD that lets you withdraw the full balance starting 7 days after funding. Marcus CDs are FDIC insured through Goldman Sachs Bank USA.
Marcus CD Rates
| Term | APY | Min Deposit |
|---|---|---|
| 6 months | 3.95% | $500 |
| 9 months | 4.30% | $500 |
| 12 months | 4.40% | $500 |
| 18 months | 4.40% | $500 |
| 2 years | 4.40% | $500 |
| No-Penalty CD, 7 months | 3.75% | $500 |
| No-Penalty CD, 11 months | 4.00% | $500 |
| No-Penalty CD, 13 months | 3.80% | $500 |
Rates as of October 15, 2026 on Marcus’s high-yield CD and no-penalty CD pages. The page shows rates for the terms above and offers terms up to 6 years. Marcus says penalties that may reduce earnings apply to a withdrawal of principal before maturity; we could not read its penalty schedule, so check Marcus’s FAQ or deposit agreement for the amount. Rates change, so verify at marcus.com before opening.
No-Penalty CD
The Marcus No-Penalty CD has no early withdrawal penalty and lets you withdraw your full balance beginning 7 days after funding. It requires a $500 minimum to earn the stated APY. The terms and rates are in the table above.
| Feature | Detail |
|---|---|
| Terms | 7, 11 and 13 months |
| Minimum | $500 |
| Early withdrawal | Starting 7 days after funding |
| Penalty | None |
| Partial withdrawals | Not allowed; you must withdraw the full balance |
Why it matters: If you expect rates to rise, a no-penalty CD lets you lock in a rate and still leave early, at the cost of a lower rate than the regular CDs for similar terms.
How Much Interest Will a Marcus CD Earn?
Using the 12-month CD at 4.40% APY:
| Deposit | Interest after 12 months |
|---|---|
| $5,000 | $220 |
| $10,000 | $440 |
| $25,000 | $1,100 |
| $50,000 | $2,200 |
| $100,000 | $4,400 |
Interest = deposit x APY for one 12-month term, assuming the APY is earned for the full term.
10-Day CD Rate Guarantee
Marcus says that if you deposit at least $500 within the first 10 days after opening a high-yield CD and the rate on your selected term changes during that time, you get the higher rate automatically.
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