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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 3.90% on its 12-month CD — but unlike most picks here, it requires $500 to open and to earn the rate.
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APY
3.90%
Minimum to open
$500
Minimum to earn APY
$500
Monthly fee
$0
FDIC insured
Yes
CD terms: 12-month term at 3.90% APY. $500 minimum to open and to earn the APY. Early-withdrawal penalty applies.
Rate note: 12-month term.
Standout features
- Competitive 3.90% 12-month rate 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 September 2026. Banks change APYs without notice — confirm the current rate on the provider's site before opening an account.
Sources
- Marcus CD rates (official) (checked Sep 2026)
Keep comparing
Synchrony High Yield CD
Best for: Rate chasers who want the highest 1-year CD yield in this set
APY: 4.10%