High-yield Certificates of Deposit

Find the right fixed-rate CD for your needs. Try our CD Calculator below to see how much your savings could grow.


We stand by our high-yield CDs with a 10-Day CD Rate Guarantee. Open a CD and deposit at least $500 within the first 10 days. If the rate on your selected CD term goes up during this time, you'll get that rate  — automatically. Click here for details.


  • 10-Day CD Rate Guarantee
  • Open in minutes
  • $500 minimum balance
  • Conveniently manage your account—and set maturity instructions—online
  • Contact Center available 7 days a week

Guaranteed return assumes funds are held through end of the term.

We have terms to fit your goals

6 mo
6 yr

Annual Percentage Yield (APY) may change before 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.


Our rates as of February 21, 2024
Comparison banks' rates as of February 20, 2024


The comparison is limited to the largest US banks and does not include rates of other online banks. Rates of the selected banks were obtained from Informa Financial Intelligence, www.informars.com, and reflect New York high yield savings rates for similar products offered at the select banks with a minimum balance of at least $2,500. Informa has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.

Are you getting a guaranteed return on a fixed-rate CD? Take a closer look at Marcus

Guaranteed return

Lock in a fixed rate so you know exactly how much interest you'll earn

From six months to six years

Terms that work on your schedule

Competitive rates and terms

You have options for reaching your financial goals


Online CD Maturity Center

Conveniently manage your CD maturity plan online, up to one year before maturity.

How to open an account

It takes just minutes to start saving for your future.

Click Open Now

Begin our secure (and fast) account opening process. Choose a CD term from 6 months to 6 years.

Enter your information

Including your name, address, date of birth and Social Security Number.

Transfer funds

Link to your account at another bank.