Marcus by Goldman Sachs CD Rates — October 2026

Also known as Marcus, Goldman Sachs Bank.

As of October 22, 2026, Marcus by Goldman Sachs's highest CD rate is 4.40% APY on a 12-month CD ($500 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.95% to 4.40% APY.

Last verified October 22, 2026 from www.marcus.com · FDIC-insured bank · New York, NY

Tracking began October 22, 2026.

Best APY4.40%12 months, $500 min

vs. Treasury−0.17%same-term Treasury 4.57%

vs. national average2.5×FDIC national average 1.76%

After inflation0.66%CPI 3.7% year over year

$10,000 earns$440over 12 months, before tax

Marcus by Goldman Sachs CD rates

Available online to U.S. residents in every state.

Marcus by Goldman Sachs CD rates
Term	Product	Minimum	APY	vs. Treasury
6 months	High-Yield CD	$500	3.95%Verified October 22, 2026	−0.45%
9 months	High-Yield CD	$500	4.30%Verified October 22, 2026	−0.18%
12 months	High-Yield CD	$500	4.40%Verified October 22, 2026	−0.17%
18 months	High-Yield CD	$500	4.40%Verified October 22, 2026	−0.32%
24 months	High-Yield CD	$500	4.40%Verified October 22, 2026	−0.47%
36 months	High-Yield CD	$500	4.40%Verified October 22, 2026	−0.55%
48 months	High-Yield CD	$500	4.40%Verified October 22, 2026	−0.58%
60 months	High-Yield CD	$500	4.40%Verified October 22, 2026	−0.61%
72 months	High-Yield CD	$500	4.40%Verified October 22, 2026	−0.65%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

What are Marcus by Goldman Sachs's best CD rates by term?

Marcus by Goldman Sachs's best rate is 4.40% APY on 12 months, verified October 22, 2026.

6 mo3.95%
9 mo4.30%
12 mo4.40%
18 mo4.40%
24 mo4.40%
36 mo4.40%
48 mo4.40%
60 mo4.40%
72 mo4.40%

Calculate earnings at 4.40% for 12 months

How Marcus by Goldman Sachs compares

Best 1-year rate among the institutions we track: Popular Direct at 4.60% APY.
Popular Direct: best 5.00% APY on 60 months.
Barclays: best 4.75% APY on 24 months.
Sallie Mae Bank: best 4.75% APY on 60 months.
1-year Treasury: 4.57% APY-equivalent.

Rate changes

No changes since we started tracking Marcus by Goldman Sachs on October 22, 2026.

About Marcus by Goldman Sachs

Legal name: Goldman Sachs Bank USA
Regulator ID: FDIC 33124
Headquarters: New York, NY
Available in: All states (online)
Total assets: $758.8 billion
Also known as: Marcus, Goldman Sachs Bank
Website: www.marcus.com

Source: rates read from https://www.marcus.com/us/en/savings/high-yield-cds. See the page text we read.

Frequently asked questions

What is the highest CD rate at Marcus by Goldman Sachs?

4.40% APY on a 12-month CD, as of October 22, 2026.

What is the minimum deposit for a Marcus by Goldman Sachs CD?

The lowest minimum we found is $500.

How does Marcus by Goldman Sachs's best CD rate compare with Treasury yields?

4.40% APY is −0.17% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.40% a good CD rate?

It is 2.5 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are Marcus by Goldman Sachs CDs insured?

Marcus by Goldman Sachs is an FDIC-insured bank (FDIC 33124). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check Marcus by Goldman Sachs's rate page every day. The rates above were last verified on October 22, 2026.

More bank CD rates

Rates are copied from Marcus by Goldman Sachs's website and may change at any time. Confirm terms, minimums and eligibility with Marcus by Goldman Sachs before opening an account. This page is not financial advice.