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FDIC-Insured – Backed by the full faith and credit of the U.S. Government. Goldman Sachs Bank USA, Salt Lake City Branch.

FDIC Logo

FDIC-Insured – Backed by the full faith and credit of the U.S. Government. Goldman Sachs Bank USA, Salt Lake City Branch.

FDIC Logo

FDIC-Insured – Backed by the full faith and credit of the U.S. Government. Goldman Sachs Bank USA, Salt Lake City Branch.

CD Calculator: Calculate Your Savings

Want to see how much your savings could grow? Our High-Yield CD calculator makes it easy.

Enter your initial deposit amount, choose your term, and we’ll calculate your potential earnings based on current interest rates. We also show you how Marcus’ certificates of deposit compare to the national average.

Try our calculator and see if a Marcus CD is your next savings move. 

Choose the term that works for you

Annual Percentage Yield

Minimum Deposit

Early Withdrawal Penalty

6 months
High-Yield CD

4.25%
$500
Yes

9 months
High-Yield CD

4.20%
$500
Yes

12 months
High-Yield CD

4.10%
$500
Yes

18 months
High-Yield CD

4.00%
$500
Yes

2 years
High-Yield CD

3.95%
$500
Yes

3 years
High-Yield CD

3.90%
$500
Yes

4 years
High-Yield CD

3.85%
$500
Yes

5 years
High-Yield CD

3.90%
$500
Yes

6 years
High-Yield CD

3.90%
$500
Yes
Compare all products
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Annual Percentage Yield (APY) as of July 08, 2025. APY may change before a CD is opened and funded. Penalties that may reduce CD earnings will apply to a withdrawal of principal prior to maturity. $500 minimum to open a CD and to earn stated APY. Maximum balance limits apply.

CD Calculator

What you should know

Open a Certificate of Deposit

With rates above the national average and terms from six months to six years, creating your safety net won’t be a stretch.

Looking for a High-yield Online Savings Account?

Do better now and in the long run with no minimum deposit to open, no transaction fees, and security you can trust.