# Marcus by Goldman Sachs CD rates

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.

Canonical page: https://apyledger.com/cd-rates/marcus-by-goldman-sachs
Institution: Goldman Sachs Bank USA (FDIC 33124)
Aliases: Marcus, Goldman Sachs Bank
Status: live
Last verified: 2026-10-22T05:11:49.000Z (October 22, 2026)
Official source: https://www.marcus.com/us/en/savings/high-yield-cds
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| High-Yield CD | standard | 6 months | $500 | 3.95% | Not ZIP-priced | −0.45% | 2026-10-22T05:11:49.000Z | [Snapshot 140](https://apyledger.com/snapshots/140) |
| High-Yield CD | standard | 9 months | $500 | 4.30% | Not ZIP-priced | −0.18% | 2026-10-22T05:11:49.000Z | [Snapshot 140](https://apyledger.com/snapshots/140) |
| High-Yield CD | standard | 12 months | $500 | 4.40% | Not ZIP-priced | −0.17% | 2026-10-22T05:11:49.000Z | [Snapshot 140](https://apyledger.com/snapshots/140) |
| High-Yield CD | standard | 18 months | $500 | 4.40% | Not ZIP-priced | −0.32% | 2026-10-22T05:11:49.000Z | [Snapshot 140](https://apyledger.com/snapshots/140) |
| High-Yield CD | standard | 24 months | $500 | 4.40% | Not ZIP-priced | −0.47% | 2026-10-22T05:11:49.000Z | [Snapshot 140](https://apyledger.com/snapshots/140) |
| High-Yield CD | standard | 36 months | $500 | 4.40% | Not ZIP-priced | −0.55% | 2026-10-22T05:11:49.000Z | [Snapshot 140](https://apyledger.com/snapshots/140) |
| High-Yield CD | standard | 48 months | $500 | 4.40% | Not ZIP-priced | −0.58% | 2026-10-22T05:11:49.000Z | [Snapshot 140](https://apyledger.com/snapshots/140) |
| High-Yield CD | standard | 60 months | $500 | 4.40% | Not ZIP-priced | −0.61% | 2026-10-22T05:11:49.000Z | [Snapshot 140](https://apyledger.com/snapshots/140) |
| High-Yield CD | standard | 72 months | $500 | 4.40% | Not ZIP-priced | −0.65% | 2026-10-22T05:11:49.000Z | [Snapshot 140](https://apyledger.com/snapshots/140) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.