Marcus by Goldman Sachs CD rates range from 4.00% to 4.90% APY in 2026 with a $500 minimum and terms from 6 months to 6 years. Marcus also offers a No-Penalty CD at ~4.10% APY (11-month term) that allows early withdrawal after 7 days with no penalty. All Marcus CDs are FDIC insured through Goldman Sachs Bank USA.
Marcus CD Rates 2026
| Term | APY | Min Deposit | Early Withdrawal Penalty |
|---|---|---|---|
| 6 months | ~4.00% | $500 | 90 days interest |
| 9 months | ~4.25% | $500 | 90 days interest |
| 12 months | ~4.50% | $500 | 270 days interest |
| 18 months | ~4.60% | $500 | 270 days interest |
| 24 months | ~4.40% | $500 | 270 days interest |
| 36 months | ~4.20% | $500 | 365 days interest |
| 48 months | ~4.10% | $500 | 365 days interest |
| 60 months | ~4.00% | $500 | 365 days interest |
| 72 months | ~4.00% | $500 | 365 days interest |
| No-Penalty CD (11 mo) | ~4.10% | $500 | None after 7 days |
Rates are approximate and subject to change. Verify current rates at marcus.com before opening.
No-Penalty CD: Marcus’s Most Flexible Option
The Marcus No-Penalty CD is 4.10% APY with an 11-month term and $500 minimum. Key features:
| Feature | Detail |
|---|---|
| Term | 11 months |
| APY | ~4.10% |
| Minimum | $500 |
| Early withdrawal | Allowed after 7 days |
| Penalty | None |
| Rate lock | Yes — rate fixed at opening |
| Callable | No |
Why the No-Penalty CD matters: If you expect rates to rise, you can lock in 4.10% and still exit penalty-free after 7 days. It combines the rate stability of a CD with near-savings account liquidity. The only restriction: you cannot make partial withdrawals — it’s the full balance or nothing.
How Much Interest Will a Marcus CD Earn?
Using the 12-month CD at 4.50% APY:
| Deposit | Annual Interest |
|---|---|
| $5,000 | $225 |
| $10,000 | $450 |
| $25,000 | $1,125 |
| $50,000 | $2,250 |
| $100,000 | $4,500 |
Interest compounds daily, credited at maturity (or annually for multi-year CDs).
Marcus CD vs Competitors 2026
| Bank | Best CD Rate | Min Deposit |
|---|---|---|
| Marcus | ~4.90% (18-month) | $500 |
| Ally | ~4.50% | $0 |
| Discover | ~4.40% | $2,500 |
| Capital One | ~4.30% | $0 |
| Chime | No CDs | — |
| SoFi | ~4.60% | $0 |
What Happens at Maturity?
When a Marcus CD matures:
- You have a 10-day grace period to withdraw, renew, or change terms
- If no action is taken, the CD automatically renews at the current rate for the same term
- Marcus sends a maturity notice email 30 days before the CD matures
Related Guides
- Marcus savings rate 2026 — 4.10% APY, no minimum, no fee
- Marcus minimum balance 2026 — $0 savings minimum, $500 CD minimum
- Marcus customer service 2026 — 1-833-646-1688
- Marcus vs Ally 2026 — savings and CD comparison
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