On the prowl for certificates of deposit (CDs) with high return rates so you can rake in the interest? Marcus by Goldman Sachs CD rates are a crowd pleaser, earning up to a whopping 4.40% annual percentage yield (APY) as of this writing.
This fully online bank doesn’t offer much else. But if you’re simply looking for a rewarding place to park your savings, Marcus is a top-tier contender. Here’s what you need to know about Marcus by Goldman Sachs CD rates.
Rates are current as of Aug. 28, 2025 and are subject to change.
Marcus by Goldman Sachs CD rates and products
Marcus by Goldman Sachs issues multiple CD options, namely, standard CDs, no-penalty CDs, and rate bump CDs. In total, you’ve got 13 term lengths to choose from. All CDs require a $500 minimum deposit.
Uniquely, Marcus CDs come with a 10-day “rate guarantee.” Marcus gives you a 10-day window to make your $500 deposit. As soon as you do, you’re guaranteed to get the best APY for your chosen term—even if it rises after account opening. Deposit your money immediately, and you’ll have 10 days to potentially get a better APY. Deposit your money on day nine, and you’ll have just one day to possibly receive an improved APY.
Standard CDs
Marcus by Goldman Sachs offers nine term lengths for its standard CDs, which it refers to simply as high-yield CDs. Rates vary from 3.85% to 4.40% as of this writing.
Marcus by Goldman Sachs standard CD rates
| Term length | APY |
|---|---|
| 6 months | 4.40% |
| 9 months | 4.30% |
| 12 months | 4.20% |
| 18 months | 4.00% |
| 24 months | 3.95% |
| 36 months | 3.90% |
| 48 months | 3.85% |
| 60 months | 3.90% |
| 72 months | 3.90% |
| 6 months | |
|---|---|
| APY | 4.40% |
| 9 months | |
| APY | 4.30% |
| 12 months | |
| APY | 4.20% |
| 18 months | |
| APY | 4.00% |
| 24 months | |
| APY | 3.95% |
| 36 months | |
| APY | 3.90% |
| 48 months | |
| APY | 3.85% |
| 60 months | |
| APY | 3.90% |
| 72 months | |
| APY | 3.90% |
Bank details checked Aug. 28, 2025
No-penalty CDs
Most Marcus by Goldman Sachs CDs demand that you not touch your deposit until your account matures. If you do, you’ll be penalized between 90 and 270 days interest on your original principal balance.
However, the bank offers a no-penalty CD which allows you to cash out your entire balance at any time (no partial withdrawals) without an early withdrawal penalty. You can choose from three different terms, with rates as high as 4.15% APY as of this writing.
Marcus by Goldman Sachs no-penalty CD rates
| Term length | APY |
|---|---|
| 7 months | 4.15% |
| 11 months | 3.90% |
| 13 months | 4.15% |
| 7 months | |
|---|---|
| APY | 4.15% |
| 11 months | |
| APY | 3.90% |
| 13 months | |
| APY | 4.15% |
Bank details checked Aug. 28, 2025
Rate bump CDs
A great feature of CDs is that you can guarantee a return rate for a specific amount of time. Even if rates drop in the future, you’ll continue to benefit from your original APY. But what if rates improve after you’ve opened your account? It’s easy to feel you’re losing out in that scenario.
Marcus by Goldman Sachs offers rate bump CDs that can help savers mitigate against exactly such an occurrence. Rate bump CDs allow you a single request to match your APY to the current rate. There’s just one 20-month term length to select for this CD type.
Marcus by Goldman Sachs rate bump CD rates
Bank details checked Aug. 28, 2025
Compare Marcus by Goldman Sachs to top competitors
Again, Marcus by Goldman Sachs CDs are well above average. But Marcus doesn’t offer the best return for every term length. Take a look at Marcus compared to popular competitors.
 Marcus by Goldman Sachs |  Discover |  My eBanc |
|---|---|---|
| 6 months | 6 months | 6 months |
| 4.40% | 3.50% | 4.25% |
| 9 months | 9 months | 9 months |
| 4.30% | 3.50% | N/A |
| 12 months | 12 months | 12 months |
| 4.20% | 4.00% | 4.35% |
| 18 months | 18 months | 18 months |
| 4.00% | 3.80% | 4.10% |
| 24 months | 24 months | 24 months |
| 3.95% | 3.60% | 3.95% |
| Learn more | Learn more | Learn more |
| View offer at Bankrate | View offer at MoneyLion | View offer at My eBanc |
Bank details checked Aug. 28, 2025
Learn more about Marcus by Goldman Sachs
Launched in 2016, Marcus by Goldman Sachs is a digital subsidiary of investment banking firm Goldman Sachs. It was created after research revealed that customers were dissatisfied with what many felt was the confusing, customer-unfriendly, nickel-and-dime nature of banking. Marcus offers high returns with no account maintenance fees.
Marcus specializes in high-yield savings accounts and CDs. It doesn’t offer other services like checking accounts, credit cards, personal loans, or retirement accounts.
Want a high APY with flexibility in accessing your money?
Check out our picks for the best money market accounts for a hybrid between checking and savings.
Frequently asked questions
What CD terms does Marcus by Goldman Sachs offer?
Between all account options, Marcus offers 13 term lengths: 6, 7, 9, 11, 12, 13, 18, 20, 24, 36, 48, 60, and 72 months.
What are the early withdrawal penalties for Marcus CDs?
The early withdrawal penalties for Marcus CDs depends on the term length and CD type. No penalty CDs don’t charge a fee, while other CDs charge between 90 and 270 days interest on the original principal balance.
Can I add money to my Marcus CD after opening?
High-yield CDs and rate bump CDs allow you to add money to your account up to 30 days after opening. No-penalty CDs don’t allow this.
What happens when my Marcus CD matures?
When your Marcus CD matures, you have 10 days to decide whether you want to withdraw your money, keep your current CD, or put your money into another CD. If you do nothing, your account will automatically renew.
Are Marcus by Goldman Sachs CDs FDIC insured?
Yes, Marcus by Goldman Sachs CDs are FDIC insured up to $250,000 per account holder per account ownership category.