Marcus by Goldman Sachs High-Yield CD review

Marcus by Goldman Sachs is the pick for savers who fear opening a CD the week before rates rise. Its 10-Day CD Rate Guarantee says that if you open a High-Yield CD and deposit at least $500 within the first 10 days, you automatically get the higher rate if the rate on your term changes in that window. Posted rates as of November 13, 2026 were 4.60% APY on the 18-month and 2-year CDs, 4.50% on 12 months, 4.30% on 9 months and 4.00% on 6 months, and terms run as long as 6 years. The $500 minimum is the main cost compared with no-minimum rivals, and Marcus notes that maximum balance limits apply. The contact center is open 24 hours a day, 7 days a week. Deposits are held at Goldman Sachs Bank USA, Member FDIC. Our automated check of the Marcus page hit a security challenge, so the rates are listed from the page as rendered in a browser and the price check is marked pending.

Who it is for

savers who worry rates will rise right after they open

Price

See vendor pricing (USD check pending).

US price check pending. See the vendor pricing page.

Key features

• 4.60% APY on 18-month and 2-year CDs as of November 13, 2026
• 4.50% APY on the 12-month CD; 4.30% on 9 months; 4.00% on 6 months
• 10-Day CD Rate Guarantee gives the higher rate if it rises in the first 10 days
• $500 minimum to open a CD and earn the stated APY
• Contact center available 24 hours a day, 7 days a week

Strengths and weaknesses

• Strength: Rate guarantee protects you if the posted APY goes up after you open
• Strength: Terms run from 6 months to 6 years
• Strength: 24/7 contact center
• Weakness: $500 minimum deposit, unlike Barclays, Ally and Capital One
• Weakness: Maximum balance limits apply
• Weakness: Top APY of 4.60% trails Barclays and Bread

Key facts

• Top APY: 4.60% (18 months and 2 years)
• Terms: 6 months to 6 years
• Minimum deposit: $500
• Rate guarantee: 10 days

Where it ranks

Marcus by Goldman Sachs High-Yield CD is No. 2 in our Best CD Rates verdict.