Sallie Mae Bank vs Marcus by Goldman Sachs CD Comparison
Updated October 5, 2026 · Rates from official provider sources
Marcus by Goldman Sachs has the higher rate right now.
The APY gap is 0.10%. On a $25,000 balance, that is about $25/year. If the dollar difference is small, choose based on transfer speed, app fit, and whether you want other accounts in the same place.
Sallie Mae Bank 1-Year CD
Sallie Mae Bank
Marcus by Goldman Sachs 1-Year CD
Marcus by Goldman Sachs
Dollar Difference by Balance
| Balance | Sallie Mae Bank | Marcus by Goldman Sachs | Difference |
|---|---|---|---|
| $10,000 | $430/yr | $440/yr | $10/yr |
| $25,000 | $1,075/yr | $1,100/yr | $25/yr |
| $50,000 | $2,150/yr | $2,200/yr | $50/yr |
| $100,000 | $4,300/yr | $4,400/yr | $100/yr |
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How to read this comparison
The rate table is useful for the math, but it is not the whole decision. Confirm current APY, transfer timing, account availability, minimum balance rules, and any linked-account requirements before opening. Rates can change after this page refreshes.
FAQ
Which is better, Sallie Mae Bank or Marcus by Goldman Sachs?
Marcus by Goldman Sachs currently pays 4.40% APY vs Sallie Mae Bank at 4.30% APY — a 0.10% point advantage. On $25,000, that difference is $25 per year.
Are Sallie Mae Bank and Marcus by Goldman Sachs FDIC insured?
Yes, both accounts are FDIC insured up to $250,000 per depositor, per ownership category.
Can I have accounts at both?
Yes. There is no limit on how many 12-month CD accounts you can hold across different banks.