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Marcus CD Rates: June 2025

Marcus offers competitive CD rates with terms🧸 from 6 to 72 m🌊onths

By

澳洲幸运5官方开奖结果体彩网:Rebecca Safier

Updated May 30, 2025

Couple listening to financial advisor at home with laptop — 10'000 Hours / Getty Images

Marcus’ high-yield CDs come with competitive rates on all terms, with the h🦄ighest APY of 4.20% offered on 6-month and 9-month terms. The APYs on its No-Penalty CD arꦉe lower, but this CD type gives you the option of withdrawing your money early without penalty. Finally, Marcus’ Rate Bump CD only comes with one term of 20 months, but it gives you the option to upgrade your rate once if rates increase during your term.

Compare Marcus CDs some of the 澳洲幸运5官方开奖结果体彩网:best high-yield CDs.

Marcus High-Yield CD Overview

Marcus CD rates
CD Term	APY	Minimum Deposit
6 months	4.20%	$500
9 months	4.20%	$500
12 months	4.10%	$500
18 months	4.00%	$500
24 months	3.95%	$500
36 months	3.90%	$500
48 months	3.75%	$500
60 months	3.75%	$500
72 months	3.75%	$500

In addition 💛to its high-yield CDs, Marcus offers two other C👍D types: a no-penalty CD and a rate bump CD.

No-penalty CD: Terms for a no-penalty CD are 4.00% for 7 months and 3.90% for 11 or 13 months. The minimum deposit is $500.
Rate bump: The rate bump CD is a 20-month CD with a minimum deposit of $500 and an APY of 3.90%.

Marcus CD Rates: Key Features

Marcus CD Key Features
APY Range	3.75%–4.20%
Minimum Balance	$500
Term Range	6–72 months
Early Withdrawal Penalty	90 days interest on terms less than 1 year 180 days interest on terms of 1–5 years 270 days interest on terms more than 5 years
Grace Period for Penalty-Free Withdrawals	10 days

Marcus no-penalty CD key features: An APY of 4.00% for 7 months and 3.90% for 11 or 13 months. The minimum deposit is $500.
Rate bump CD key features: An APY of 3.90%, a minimum balance of $500, a term of 20 months, an early withdrawal fee of 90 days interest on terms less than 1 year 180 days interest on terms of 1–5 years 270 days interest on terms more than 5 years (with a grace period of 10 days). This CD lets you upgrade your rate once if Marcus raises the rates on its 20-month CDs during your term.

Compare Marcus CD Rates

Marcus CDs offer competitive rates on ♓its CDs and a range of CD options and types. You can likely find𒀰 a CD that meets your needs with Marcus, but you may also find higher rates by shopping around and reviewing other CDs rates and terms.

Pros and Cons of Marcus CDs

Pros

Competitive CD rates
A range of CD terms
Rate bump option

Cons

No branch locations

Pros Explained

Competitive CD rates: Marcus offers rates on its CDs that are higher than rates on many others.
A range of CD terms: Marcus CD terms range from 6 months to 72 months, giving you flexibility. Marcus also offers three CD types: a high-yield CD, a no-penalty CD, and a rate bump CD.
Rate bump option: With a 20-month Marcus CD, you have the option to increase your CD rate once in its term if broader interest rates rise.

Cons Explained

No branch locations: Marcus by Goldman is an online bank, so if you want in-person service you should consider CDs from another financial institution.

About Marcus

Marcus by Goldman Sachs is an online bank that offers a variety of accounts, including three types of CDs: a high-yield CD, a no-penalty CD, and a rate bump CD.

Marcus customers can also open a high-yield savings account or credit card, in🧜cluding either a rewards card, business card, or family credit card.

Tip

The Marcus No-Penalty CD doesn’t charge an early withdrawal penalty, but you must wait seven or more days from your opening deposit to make a withdrawal.

Alternatives to Marcus CDs

High-yield savings accounts: If you’re willing to open an online savings account elsewhere, you may be able to earn higher rates than what Marcus CDs offer. See the best high-yield savings account rates to compare how much you could earn.
High-yield checking accounts: You may find relatively high rates with some checking accounts. Be aware of their requirements and limits. The 澳洲幸运5官方开奖结果体彩网:best high-interest checki🍷ng accounts give you easy access to your money.
Certificates of deposit (CDs): Marcus competitive 澳洲幸运5官方开奖结果体彩网:rates on its CDs. You can also choose from a range of 澳洲幸运5官方开♛奖结果体彩网:CDs from other financial ins🦩titutions.
Money market account: Money market account can also provide a return on your savings. Check the 澳洲幸运5官方开奖结果体彩网:best money market account rates to see how it compares.
Treasury securities: These government-backed bills, notes, and bonds sometimes offer even higher rates than CDs and may be more liquid.

Frequently Asked Questions (FAQs)

Are Marcus CDs FDIC-Insured?

Yes, Marcus CDs are 澳洲幸运5官方开奖结果体彩网:FDIC-insured. Provided by Goldman Sachs Bank USA, an FDIC member, Marcus CDs are FDIC-insured for up to $250,000.

What Is the Early Withdrawal Penalty for Marcus CDs?

The 澳洲幸运5官方开奖结果体彩网:early withdrawal penalty on Marcus CDs varies depending on the CD’s term length. The penalty is 90 days of interest on terms less than one year, 180 days of in🍨terest on terms of one to five years, and 270 days of interest on terms mor𓃲e than five years.

What Is the Minimum Opening Deposit for Marcus CDs?

The minimum opening deposit for Marcus CDs is $500. This minimum deposit applies to all three CD types that Marcus offers:ꦡ high-yield CDs, no-penalty CDs, and rate bump CDs.

Your Guide to CDs

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