Marcus by Goldman Sachs offers very competitive rates for their online certificate of deposit (CD) accounts. See the current rates below.
- Update 4/21/2025: Updates have been updated. See here, CIT Bank is also offering competitive CD rates.
- Update 1/19/2024: Small update to some rates.
- Update 12/19/2023: The APY increased for several term lengths.
- Update 11/3/2023: Rates increased across the board.
- Update 10/4/2023: Highest rate increased to 5.10% APY for the 12 month CD. Several term lengths have increased APYs.
- Update 8/24/2023: Highest rate is now 5.00% APY
- Update 7/3/2023: Rates now up to 4.85% APY.
- Update 5/3/2023: The APY rates for their 9-month and 12-month CDs increased from 3.95% to 4.30% and 4.50% to 4.75%, respectively.
- Update 2/15/2023: The APY for their 12-month CD increased to 4.50%.
- Update 1/30/2023: Their APY rates increased across all term lengths again.
- Update 12/27/2022: Their APY rates increased across all term lengths.
Quick Facts:
- In December 2017, Goldman Sachs Bank USA was re-branded and is now known as Marcus by Goldman Sachs.
- Marcus offers competitive rates for its online Savings and Certificates of Deposit accounts, which Goldman Sachs Bank was previously known for.
- CDs are available in term lengths ranging from 6 months to 6 years.
- Open your account online or in the Marcus app.
See the Posts History below for all Marcus By Goldman Sachs offers.
READ MORE: GET TOP OFFERS FROM BMO, CIT and AXOS.
Marcus Online CD Account Details
Marcus by Goldman Sachs CD accounts are available with terms ranging from 6 months to 6 years.
Here is a table with the current rates for the most popular CD terms offered by Marcus.
| Term | APY |
|---|---|
| 6 Month CD | 4.20% |
| 9 Month CD | 4.30% |
| 12 Month CD | 4.25% |
| 18 Month CD | 4.10% |
| 2 Year CD | 4.10% |
- Available nationwide
- Minimum for APY: $500
- Maximum for APY:
Account Features
- Lock in a fixed rate from a variety of terms to fit your needs.
- Open online in minutes.
- Manage your account and set maturity instructions online.
- 10-Day CD rate guarantee: If the rate on your selected CD term goes up during your first 10 days, they will give you the higher rate automatically.
READ MORE: COMPARE WITH THE BEST CD RATES HERE
Posts History for Marcus by Goldman Sachs:
- Marcus by Goldman Sachs Savings Bonus: Earn Up to $1,500 – Ends 3/11/26
- Marcus by Goldman Sachs Savings Bonus: Earn Up to $1,500 – Ends 3/11/26
- Marcus By Goldman Sachs Online Savings Earns 4.25% APY (Available Nationwide)
- Marcus By Goldman Sachs Offer: Extra 1.00% APY Referral Bonus (Available Nationwide)
- Marcus By Goldman Sachs $100 Online Savings Bonus [Nationwide] – Ended
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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