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

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

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 June 04, 2026
Comparison banks' rates as of June 02, 2026
Promotional 14-Month CD term length available until 7/28/26. Learn More.

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 Curinos, www.curinos.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. Curinos has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.

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We stand by our High-Yield CDs with a 10-Day CD Rate Guarantee.

Open a High-Yield CD and deposit at least $500 within the first 10 days. If the rate on your selected CD term changes during this time, you’ll get the higher rate—automatically.

Learn More >

Our rates as of June 04, 2026
Comparison banks' rates as of June 02, 2026
Promotional 14-Month CD term length available until 7/28/26. Learn More.

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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.

Choose the term that works for you

Annual Percentage Yield

Minimum Deposit

Early Withdrawal Penalty

	Annual Percentage Yield	Minimum Deposit	Early Withdrawal Penalty
6 months High-Yield CD	3.95%	$500	Yes
9 months High-Yield CD	4.00%	$500	Yes
12 months High-Yield CD	3.90%	$500	Yes
14 months High-Yield CD	4.00%	$500	Yes
18 months High-Yield CD	3.80%	$500	Yes
2 years High-Yield CD	3.70%	$500	Yes
3 years High-Yield CD	3.70%	$500	Yes
4 years High-Yield CD	3.70%	$500	Yes
5 years High-Yield CD	3.80%	$500	Yes
6 years High-Yield CD	3.80%	$500	Yes

Compare all High-Yield CD terms

Annual Percentage Yield (APY) as of June 04, 2026. 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. Promotional 14-Month CD term length available until 7/28/26. Learn More.

For information about the early withdrawal penalty, visit our FAQs.

Resources that are helpful

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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.

Click Here to Begin

How to open an account

It takes just a few steps 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.

Open Now

See what others are saying

2026 Best Bank for CDs

by Nerdwallet

Online CD Maturity Center

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

Common Questions About High-Yield CDs

A Marcus High-Yield CD is a type of deposit account that, depending on the term, usually offers a higher Annual Percentage Yield (APY) than a traditional savings account. A High-Yield CD also usually offers a higher interest rate in comparison to other traditional CD accounts.

When opening a High-Yield CD, you choose a CD term, which is how long you are required to keep your money in the account. The CD earns interest over time while it matures and you’ll be able to withdraw your money along with all the interest you’ve earned at the maturity date.

A Marcus High-Yield CD Account comes with competitive rates and a variety of terms.

A Marcus High-Yield CD account takes just minutes to open online. To start, choose a CD term, enter your information and link your external accounts to transfer your funds.

With our 10 day CD rate Guarantee, as long as your CD account reaches the $500 minimum deposit within 10 days of opening, if the rate on your selected CD term goes up during this time, you'll get that higher rate.

Savings help is available over the phone 24 hours a day / 7 days a week.

The money in your High-Yield CD compounds daily. This means, every day your balance is earning interest. The interest you’ve earned is added to your principal balance of your CD monthly and this repeats each month.

You can view the various Marcus specific CD rates and terms here.

Our CD calculator can help you find out how much interest you could earn with a Marcus High-Yield CD account. Just enter the amount of your initial deposit and the term length of the CD. Our CD calculator is designed with transparency in mind to help you achieve your financial goals.

Before your CD matures, we'll send you a maturity notice via email or mail. The notice will tell you the maturity date and the rate on your High-Yield CD if you choose to renew. You can withdraw the money or roll it over to a different CD when your CD matures. Or, if you don't do anything, the default action is typically that the CD will roll over for the same term.

At Marcus, our online CD Maturity Center is available for you to specify what you’d like to happen when your CD matures. You’re in the driver’s seat.

Your choices are:

Let the CD automatically renew for a new term. (This is the default setting when you open a CD)
Renew the CD with an increased or decreased principal balance, or at a different term, or both
Close the CD and withdraw the balance including the interest you’ve earned

With a Marcus CD, you’re allowed to change the plan for your CD as often as you like until 8:30 pm ET the day before your maturity date. For more information, visit our CD FAQs.

Questions?

Get answers and information about growing your savings at Marcus.

Visit our FAQs

Chat with us

For savings questions, Marcus customers can log in to access chat 24 hours a day / 7 days a week. From your dashboard, select the account you have a questions about and then click 'Chat.' Available on web only.

Call us

Savings help is available 24 hours a day / 7 days a week.

1-855-730-7283

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High-Yield Certificates of Deposit

We have terms to fit your goals

We stand by our High-Yield CDs with a 10-Day CD Rate Guarantee.

We have terms to fit your goals

Choose the term that works for you

Resources that are helpful

Guide to CDs

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