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Marcus High-Yield CD review
Best for: Marcus savers who want to lock a rate under the same login.
Marcus pays 4.40% on its 12-month CD — among the highest 1-year rates in this set (Ally now pays 4.50%) — but unlike most picks here, it requires $500 to open and to earn the rate.
How we make money (or don't): BidAsk currently has no affiliate relationships
with these banks and earns no commission if you open an account — the links below go directly
to each provider's own site, except the Marcus savings link, which is a personal referral link:
if you open a Marcus Online Savings Account through it, you earn an extra 1.00% APY for 3 months
(per Marcus's referral terms) and the site's publisher earns the same rate boost on his account.
See our full disclosure.
APY
4.40%
Minimum to open
$500
Minimum to earn APY
$500
Monthly fee
$0
FDIC insured
Yes
CD terms: 12-month term at 4.40% APY. $500 minimum to open and to earn the APY. 90 days' interest penalty on early principal withdrawal.
Rate note: 12-month term. Also 18-mo and 2–6 yr at 4.40% (Marcus CD Explorer, APY as of November 01, 2026).
Standout features
- 4.40% — among the highest 1-year CD yields in our set — from a major bank brand.
- Pairs with Marcus savings under one login.
- No monthly fees.
Honest drawbacks
- $500 minimum to open and earn — the only minimum in this CD table.
- Early-withdrawal penalty applies; check current terms before locking in.
- Fixed rate locks you in for the full term.
Open an account at Marcus by Goldman Sachs →
Link goes directly to Marcus by Goldman Sachs's own site. Rates verified November 2026. Banks change APYs without notice — confirm the current rate on the provider's site before opening an account.
Sources
- Marcus CD Explorer (official) (checked Sep 2026)
Keep comparing
Synchrony High Yield CD
Best for: Rate chasers who want a top-tier 1-year CD yield with $0 minimum
APY: 4.30%