Seeking certificates of deposit (CDs) that offer substantial returns to maximize your interest earnings? Marcus by Goldman Sachs CDs are a popular choice, providing some of the top earning rates available.
TL;DR
- Marcus by Goldman Sachs offers standard, no-penalty, and rate bump CDs with 13 term lengths.
- Minimum deposit is $500, with a 10-day rate guarantee for chosen terms.
- Early withdrawal penalties for standard CDs range from 90 to 270 days interest.
- No-penalty CDs allow withdrawals without fees, while rate bump CDs offer one APY adjustment.
While this fully online bank doesn't provide extensive additional features, it stands out as an excellent option for those seeking a profitable place to deposit their savings. Marcus by Goldman Sachs CDs are a leading choice, and here's a breakdown of their rates.
Rates are current as of Nov. 10, 2025 and are subject to change.
Marcus by Goldman Sachs CD rates and products
Marcus by Goldman Sachs offers various Certificate of Deposit (CD) choices, including standard, no-penalty, and rate bump options. Customers can select from a total of 13 different term lengths, with a minimum deposit of $500 required for all CDs.
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
High-yield CDs, known as standard CDs by Marcus by Goldman Sachs, are available in nine different term lengths.
Marcus by Goldman Sachs standard CD rates
| Term length | APY |
|---|---|
| 6 months | 4.05% |
| 9 months | 4.00% |
| 12 months | 4.00% |
| 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 | 4.05% |
| 9 months | |
| APY | 4.00% |
| 12 months | |
| APY | 4.00% |
| 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 Nov. 10, 2025
No-penalty CDs
Marcus by Goldman Sachs' Certificates of Deposit typically require that you leave your deposit untouched until the account's maturity date. Should you withdraw funds early, you'll incur a penalty equivalent to 90 to 270 days' worth of interest on your initial principal amount.
Nonetheless, the financial institution provides a CD without penalties, permitting you to withdraw your full deposit whenever you wish (no partial withdrawals) without any early withdrawal penalty. Three distinct terms are available for selection.
Marcus by Goldman Sachs no-penalty CD rates
| Term length | APY |
|---|---|
| 7 months | 3.90% |
| 11 months | 3.95% |
| 13 months | 3.95% |
| 7 months | |
|---|---|
| APY | 3.90% |
| 11 months | |
| APY | 3.95% |
| 13 months | |
| APY | 3.95% |
Bank details checked Nov. 10, 2025
Rate bump CDs
CDs offer a significant advantage: they lock in your interest rate for a set period. This means you'll keep earning your initial Annual Percentage Yield (APY) even if market rates decline. However, you might feel you're missing an opportunity if rates increase after you've already committed to an account.
Marcus by Goldman Sachs provides rate bump CDs designed to help savers counter such situations. With rate bump CDs, you get one opportunity to adjust your APY to the prevailing rate. This CD option is available with a single 20-month term.
Marcus by Goldman Sachs rate bump CD rates
Bank details checked Nov. 10, 2025
A comparison of Marcus by Goldman Sachs with its leading rivals.
Marcus by Goldman Sachs offers CDs with rates significantly higher than typical. However, Marcus doesn't always provide the top yield for every duration. Compare Marcus with well-known rivals.
 Marcus by Goldman Sachs |  Discover |  My eBanc |
|---|---|---|
| 6 months | 6 months | 6 months |
| 4.05% | 3.50% | 4.25% |
| 9 months | 9 months | 9 months |
| 4.00% | 3.50% | N/A |
| 12 months | 12 months | 12 months |
| 4.00% | 4.05% | 4.35% |
| 18 months | 18 months | 18 months |
| 4.00% | 3.70% | 4.10% |
| 24 months | 24 months | 24 months |
| 3.95% | 3.50% | 3.95% |
| Learn more | Learn more | Learn more |
| View offer at Bankrate | View offer at MoneyLion | View offer at My eBanc |
Bank details checked Nov. 10, 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
Goldman Sachs, through Marcus, provides a range of Certificate of Deposit (CD) options.
Marcus provides 13 different term durations across its account choices, including 6, 7, 9, 11, 12, 13, 18, 20, 24, 36, 48, 60, and 72 months.
Marcus CDs do not impose early withdrawal penalties.
Marcus CD early withdrawal penalties vary based on the term length and CD type. CDs without penalties incur no fees, whereas other types impose charges equivalent to 90 to 270 days' interest on the initial principal amount.
Once a Marcus CD is opened, you can't add more funds to it.
With high-yield and rate bump CDs, you can deposit additional funds for up to 30 days post-account initiation. No-penalty CDs do not offer this feature.
When your Marcus CD reaches its maturity date, you'll have several options for what to do with your funds.
Upon the maturity of your Marcus CD, a 10-day window is provided for you to choose among withdrawing your funds, retaining your existing CD, or reinvesting in a new CD. Should you take no action, your account will renew automatically.
Yes, Marcus by Goldman Sachs CDs are FDIC insured.
Yes, CDs from Marcus by Goldman Sachs carry FDIC insurance, covering up to $250,000 for each account holder within each account ownership category.