Source: https://www.marcus.com/us/en/savings/high-yield-cds
Read: 2026-10-22T05:11:49.000Z

Savings
CDs
Tools & Resources
Compare savings products
 Log in
High-Yield Certificates of Deposit
Open in minutes
$500 minimum balance
Manage your account and set maturity instructions online
Contact Center available 24 hours a day / 7 days a week
10-Day CD Rate Guarantee
Get Started
Try the CD Calculator 
We stand by our High-Yield CDs with a 10-Day CD Rate Guarantee.
Open a High-Yield CD and deposit at least $500 within the first 10 days. If the rate on your selected CD term changes during this time, you’ll get the higher rate—automatically.
Learn More >
We have terms to fit your goals
4.40
%
APY
12 mo
6 mo
6 yr
For the selected term, Marcus offers 4.4% APY. Chase offers 0.01% APY. Citibank offers 4.25% APY. Bank of America offers 0.03% APY.
Marcus
4.40% APY
Chase
0.01% APY
Citibank
4.25% APY
Bank of America
0.03% APY
Annual Percentage Yield (APY) may change before CD is opened and funded. Penalties that may reduce CD earnings will apply to a withdrawal of principal prior to maturity. $500 minimum to open a CD and to earn stated APY. Maximum balance limits apply.
Our rates as of October 21, 2026
Comparison banks' rates as of October 20, 2026
The comparison is limited to the largest US banks and does not include rates of other online banks. Rates of the selected banks were obtained from Curinos, www.curinos.com, and reflect New York high yield savings rates for similar products offered at the select banks with a minimum balance of at least $2,500. Curinos has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.
Go to Next Step
Choose the term that works for you
 | Annual Percentage Yield | Minimum Deposit | Early Withdrawal Penalty
6 months High-Yield CD | 3.95% | $500 | Yes
9 months High-Yield CD | 4.30% | $500 | Yes
12 months High-Yield CD | 4.40% | $500 | Yes
18 months High-Yield CD | 4.40% | $500 | Yes
2 years High-Yield CD | 4.40% | $500 | Yes
3 years High-Yield CD | 4.40% | $500 | Yes
4 years High-Yield CD | 4.40% | $500 | Yes
5 years High-Yield CD | 4.40% | $500 | Yes
6 years High-Yield CD | 4.40% | $500 | Yes
Compare all High-Yield CD terms
Annual Percentage Yield (APY) as of October 21, 2026. APY may change before a CD is opened and funded. Penalties that may reduce CD earnings will apply to a withdrawal of principal prior to maturity. $500 minimum to open a CD and to earn stated APY. Maximum balance limits apply. 
For information about the early withdrawal penalty, visit our FAQs.
Resources that are helpful
Guide to CDs
We cover everything from the fundamentals to CD strategies.
8 min read
Read More
Worried About Market Volatility? Consider Opening a CD
Learn how CDs could provide some stability in times of uncertainty.
3 min read
Read More
How to Choose the Right CD for You
Not sure about your options? Here’s how to get started.
3 min read
Read More
See all resources
See how much your savings could grow
Initial deposit
Term length
12 mo
6 mo
6 yr
The calculator is for illustrative purposes only and may not apply to your individual circumstances. Calculated values assume that principal and interest remain on deposit and are rounded to the nearest dollar. All APYs are subject to change. 
Our rate effective as of October 21, 2026
National Average rate effective as of October 20, 2026
Calculate
For the selected term, Marcus earns an interest of $1100. National Average earns an interest of $495.
Marcus
$
1,100
National Average
$
495
The National Average is based on the APY average for certificate of deposit accounts with a minimum balance of at least $2,500 offered by the top 50 US banks (ranked by total deposits) as reported by Curinos, www.curinos.com. Curinos has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.
Get updates on our featured CD rates
Ready to grow your savings? Sign up today to get Marcus CD rates delivered to your inbox.
First name Email address 
Sign me up! I agree to receive the Marcus Memo from Goldman Sachs Bank USA (“Bank”) and to be contacted with financial content and information about the Bank’s and it’s affiliates’ products and services, including via email, subject to the Bank’s Site Terms and Privacy Policy.
Sign up
The Marcus High-Yield CD: Take a closer look
Guaranteed return
Lock in a fixed rate so you know exactly how much interest you'll earn. Guaranteed return assumes funds are held through the end of the term.
From six months to six years
Choose from a variety of terms to find one that works for your needs.
Competitive rates and terms
You have options for reaching your financial goals. Explore rates with our calculator above.
Click Here to Begin
How to open an account
It takes just a few steps to start saving for your future.
Click Open Now
Begin our secure (and fast) account opening process. Choose a CD term from 6 months to 6 years.
Enter your information
Including your name, address, date of birth and Social Security Number.
Transfer funds
Link to your account at another bank.
Open Now
See what others are saying
2026 Best Bank for CDs
by Nerdwallet
Read more on Nerdwallet
©2017-2026 and TM, Nerdwallet, Inc. All Rights Reserved.
Best CDs 2026
by GOBankingRates
Read more on GOBankingRates
Award winner for CDs in 2026, 2025, and 2024
Online CD Maturity Center
Conveniently manage your CD maturity plan online, up to one year before maturity.
Common Questions About High-Yield CDs
What is a High-Yield CD account?
What are the benefits of a Marcus High-Yield CD account?
How much will my Marcus High-Yield CD account earn?
What is the best High-Yield CD account?
What happens to a Marcus High-Yield CD after it matures?
What is the early withdrawal penalty for a High-Yield CD?
Where can I learn more about CDs?
Questions?
Get answers and information about growing your savings at Marcus.
Visit our FAQs
Chat with us
For savings questions, Marcus customers can log in to access chat 24 hours a day / 7 days a week. From your dashboard, select the account you have a question about and then click ‘Chat.’
Log in
Call us
Savings help is available 24 hours a day / 7 days a week.
1-855-730-7283
Marcus
About Marcus
Security Center
Careers
Products
Savings Accounts & CDs
Credit Card FAQs
Resources
Articles
Financial Calculators
FAQs
Contact Us
Connect with Us
Site Terms
Privacy Center
Privacy Policy
Your Privacy Choices
Marcus by Goldman Sachs® is a brand of Goldman Sachs Bank USA.
All deposit products are provided or issued by Goldman Sachs Bank USA, Salt Lake City Branch. Member FDIC.
© 2026 The Goldman Sachs Group, Inc. All rights reserved.
App Store and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.
We and our third-party partners use cookies and similar technologies for website analytics, advertising, and other purposes as further described in our Privacy Policy. By accessing this website, you agree to the use of these technologies and use of information in accordance with that policy. You may opt-out of the use of certain technologies by clicking the “Manage Preferences” button.
Manage Preferences