High-Yield Certificates of Deposit

We have terms to fit your goals

%
APY
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 August 14, 2022
Comparison banks' rates as of August 10, 2022

 

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.

ic_calendar

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.

We have terms to fit your goals

%
APY
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 August 14, 2022
Comparison banks' rates as of August 10, 2022

 

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.

If your Marcus CD account reaches the $500 minimum deposit within 10 days of the day you open your Marcus CD account (opening day plus 10 days), you will receive the highest published interest rate and Annual Percentage Yield (APY) we offer on the Marcus CD product and term you selected during that period, starting on your account opening date and extending for 10 days. This only applies to Marcus branded CD products.

If your Marcus CD account does not reach the $500 minimum deposit within 10 days of the day you open your account, your rate will be the interest rate and APY available for your Marcus CD product and term on the day your Marcus CD account reaches the $500 minimum deposit.

The Marcus high-yield CD: Take a closer look

Guaranteed return

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

 

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

From six months to six years

Choose from a variety of terms to find one that works for your needs.

Competitive rates and terms

You have options for reaching your financial goals. Explore rates with our calculator below.

High-Yield
Certificates of Deposit

  • Open in minutes
  • $500 minimum balance
  • Manage your account and set maturity instructions online
  • Contact Center available 24 hours a day / 7 days a week
  • 10-Day CD Rate Guarantee

We have terms to fit your goals

%
APY
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 August 14, 2022
Comparison banks' rates as of August 10, 2022

 

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.

Image shows an icon of a calendar made up of a light blue square with two small dark blue rectangles on the top representing a spiral binding.

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.

See how much your savings could grow

Online CD Maturity Center

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

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 a few steps to start saving for your future.
step1

Click Open Now

Begin our secure (and fast) account opening process. Choose a CD term from 6 months to 6 years.
step2

Enter your information

Including your name, address, date of birth and Social Security Number.
step3

Transfer funds

Link to your account at another bank.

See what others are saying

Best Bank or Credit Union for CDs

“Marcus CD rates are among the best on the market, and it has more term lengths than some of its competitors - you can deposit your money for up to six years.”
Read more on Nerdwallet

The 20 Best CD Accounts for 2022

“Marcus offers CD rates that beat the national average. The bank offers a variety of term lengths and rates on its CDs, which makes it competitive with the best CD rates.”
Read more on GOBankingRates

Common Questions About High-Yield CDs