Marcus by Goldman Sachs High Yield CD Review

Marcus CD rates today

Term	APY
6 months	3.95%
9 months	4.30%
12 months	4.40%
18 months	4.40%
2 years	4.40%
3 years	4.40%
4 years	4.40%
5 years	4.40%
6 years	4.40%

Rates as of Oct 28, 2026, from Marcus’ High Yield CD page, checked Oct 28, 2026. Interest compounds daily and is added monthly.

CD rates change often for new deposits. Once you open a CD, your rate is fixed for the term.

Our verdict

Marcus is a strong choice for locking in a rate, from one year all the way to six. One flat rate across terms makes it simple, the 10 day rate guarantee protects you if rates rise right after you open, and support is available 24/7 with one of the best rated apps we track.

Two things to weigh: short terms under a year pay less, and penalties on terms over 5 years are steep at 270 days of interest.

Which Marcus CD term is best?

• 12 months: 4.40% with the lightest penalty for that rate, 90 days of interest. Compare the best 12 month rate we track, 4.65% at CFG Bank CDs.
• 2 to 5 years: the same 4.40%, locked in longer, with a 180 day penalty.
• 6 years: also 4.40%, but the 270 day penalty makes it hard to justify over 5 years.
• 9 months: 4.30% if you need the money back in under a year.

On a $10,000 deposit, the 12 month CD earns about $440 in a year.

For context, the best 12 month rate across the CDs we track is 4.65% APY at CFG Bank CDs, and the best rate on any term is 5.00% at Sallie Mae Bank CDs. See every CD side by side on our best CD rates page.

How Marcus CD rates compare, term by term

At our checks between Oct 19 and Oct 22, 2026, Marcus did not lead any single term. Its 4.40% sits 0.20 to 0.60 points below the top rate we track on terms from 12 months to 5 years. On $10,000 for 5 years, that is about $2,402 at Marcus versus $2,642 at E*TRADE’s 4.80% with no minimum, a gap of about $240.

Term	Marcus	Best rate we track	Best with no minimum
6 months	3.95%	Happen Bank 4.40% ($500)	E*TRADE 4.20%
9 months	4.30%	E*TRADE and Bread Savings 4.40%	E*TRADE 4.40%
12 months	4.40%	Popular Direct 4.60% ($10,000)	E*TRADE 4.55%
18 months	4.40%	Bread Savings 4.85% ($1,500)	E*TRADE 4.55%
2 years	4.40%	E*TRADE 4.80%	E*TRADE 4.80%
3 years	4.40%	Popular Direct 4.85% ($10,000)	E*TRADE 4.80%
4 years	4.40%	Popular Direct 4.95% ($10,000)	Barclays 4.50%
5 years	4.40%	Sallie Mae 5.00% ($2,500) and Popular Direct 5.00% ($10,000)	E*TRADE 4.80%
6 years	4.40%	Marcus (the only 6 year CD we track)	None

Each rate checked at the bank’s own website between Oct 19 and Oct 23, 2026. Popular Direct needs $10,000 per CD, Bread Savings $1,500, Happen Bank and Marcus $500.

What Marcus offers instead: one rate across every term from 1 to 6 years, a 6 year term almost no one else offers, a 10 day rate guarantee if rates rise right after you open, and No Penalty CDs. Compare the full field on our best CD rates page.

Marcus No Penalty CD rates

Term	APY
7 months	3.75%
11 months	4.00%
13 months	3.80%

As of Oct 22, 2026, from Marcus’ No Penalty CD page. $500 minimum.

A No Penalty CD lets you take out your full balance, with interest, starting 7 days after you fund it. You cannot take out part of it; you withdraw everything and the CD closes. The 11 month term pays the most. Learn more in what is a no penalty CD.

Penalties and maturity

Early withdrawal costs 90 days of interest on terms of 1 year or less, 180 days on terms over 1 year up to 5 years, and 270 days on terms over 5 years. CDs renew automatically, with a 10 day grace period. The rate guarantee applies when the CD reaches the $500 minimum within 10 days of opening.

Is it safe?

Marcus is a brand of Goldman Sachs Bank USA, FDIC insured under certificate 33124, which we confirmed in the FDIC BankFind database. Deposits are covered up to $250,000 per depositor, per ownership category.

Compare CD rates by term: 6 month · 9 month · 1 year · 18 month · 2 year · 3 year · 4 year · 5 year

How we rated it

It earns top marks for its rates across terms, app and support, and loses points on short term rates and longer penalties. It scores 4.6 out of 5 on our scorecard for this category. See how we score on the comparison page and our methodology.