Marcus by Goldman Sachs Certificate of Deposit
The target CD product page returned a 404 error, making it impossible to extract verified CD terms, fees, or requirements. The only rate fragment surfaced — 4.00% APY on a 9-month CD — appeared in navigation, not a full product disclosure. Do not rely on this review for account decisions.
- No monthly maintenance fee
- FDIC insured up to $250,000
| Term | APY |
|---|---|
| 6 months | 3.95% |
| 1 year | 3.90% |
| 1.5 years | 3.80% |
| 2 years | 3.70% |
| 3 years | 3.70% |
| 5 years | 3.80% |
Visit marcus.com and navigate to the CDs section directly. The page at the reviewed URL is currently returning a 404 error. Use the CD Explorer link or the direct account-creation URL on the Marcus site.
We can't give this CD a fair rating right now — and that matters more than it might seem. The product page returned a 404, so the only rate data surfacing is a 4.00% APY figure for a 9-month CD pulled from a navigation callout, not a full disclosure page. VERIFIED_APY was not supplied by SwitchWize's rate database either, leaving us with no authoritative number to anchor analysis. What we can say: with the Fed Funds Rate sitting at 3.63%, a 4.00% APY — if accurate — would represent a spread of just 0.37% above the benchmark, which is below what the strongest CD offers in our database are delivering right now. The top-tier online CD category is competitive, and savers willing to shop can still find rates meaningfully above that level. Marcus has historically been a credible player in the high-yield deposit space, but without a live, verified rate and full term disclosure — minimum deposit, early-withdrawal penalty, compounding schedule — we cannot recommend acting on this entry. Check marcus.com directly and return to SwitchWize for a live comparison once our data feed is refreshed.
Rates are sourced from Bankrate and verified by SwitchWize. SwitchWize may earn a referral fee when you click through to a partner. Content is for informational purposes only and does not constitute financial advice. Verify current rates directly with the institution before opening an account.