Wealthy PotMarcus by Goldman Sachs CD Rates (2026)
Marcus pairs a trusted big-name with a genuinely useful 11-month no-penalty CD, making it a strong choice for savers who want flexibility. Its standard term rates are competitive if not always the absolute highest.
By Wealthy Pot · Last updated September 2026
Marcus by Goldman Sachs CD rates by term
| Term | APY |
|---|---|
| 6-month | 3.95% |
| 1-year | 3.90% |
| 3-year | 4.35% |
| 5-year | 4.35% |
Pros
- Backed by Goldman Sachs
- Offers a popular 11-month no-penalty CD
- Competitive rates on several terms
- Clean, well-rated app
Cons
- A $500 minimum deposit
- Some term rates trail the very top online banks
- No checking account
Who Marcus by Goldman Sachs CDs are for
Best for savers who want a well-known bank and value the no-penalty CD for money they might need early, and who can meet the $500 minimum.
Rates, minimum & penalties
Marcus by Goldman Sachs requires a $500 minimum deposit to open a CD. The early-withdrawal penalty is 90 days interest (≤1 yr); 180 days (1–5 yr); 270 days (>5 yr). Marcus by Goldman Sachs also offers a no-penalty CD: 11-month no-penalty CD (4.00% APY). FDIC-insured (Goldman Sachs Bank USA). CD APYs are fixed once you open but change for new CDs frequently, confirm the current rate on the official site.
The bottom line
Marcus pairs a trusted big-name with a genuinely useful 11-month no-penalty CD, making it a strong choice for savers who want flexibility. Its standard term rates are competitive if not always the absolute highest. Main drawback: a $500 minimum; the standard 1-year rate trails its longer terms.
See how Marcus by Goldman Sachs stacks up in our best CD rates comparison, or compare liquid options in our high-yield savings guide.
We summarize each bank's published CD terms, not user reviews. CD APYs are fixed for the term but reprice for new CDs often; figures are re-checked against each bank's official page. CDs are FDIC-insured to legal limits. Some outbound links may be affiliate links — that never affects which banks we include or how we rate them. Nothing here is financial advice.