Top-tier APY with a no-penalty option — the safest CD entry point.
Get started at Goldman Sachs Bank USA → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4.2 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Savers who want high APY with a no-penalty escape hatch for short-term liquidity.
The Marcus 1-year High-Yield CD was offering approximately 5.00% APY as of June 2026. The 11-month No-Penalty CD carries a slightly lower APY in exchange for penalty-free early withdrawal after 7 days. No monthly maintenance fees on any CD. Verify the current rate at marcus.com before opening — APYs are fixed at funding for the full term.
Marcus by Goldman Sachs High-Yield CD — Top-tier APY with a no-penalty option — the safest CD entry point. Best for: Savers who want high APY with a no-penalty escape hatch for short-term liquidity.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Marcus by Goldman Sachs publishes CD APYs across multiple terms — 6-month, 9-month, 1-year, 18-month, 2-year, 3-year, and 5-year. As of June 2026, the 1-year CD was in the ~5.00% range per marcus.com. CD APYs are fixed at the time of opening for the full term. Always verify the current rate at marcus.com before funding — rates adjust with the market environment. Source: Marcus by Goldman Sachs official disclosure at marcus.com; FDIC-insured via Goldman Sachs Bank USA.
Yes. Marcus offers an 11-month No-Penalty CD that lets you withdraw your full principal and accrued interest after the first 7 days of funding without paying an early-withdrawal penalty. The APY on the No-Penalty CD is typically slightly lower than the standard CD of a comparable term. This is the right product if you want guaranteed APY but want the ability to access your funds before maturity. Verify current terms and APY at marcus.com.
Marcus standard CDs charge an early-withdrawal penalty if you break the CD before maturity. The penalty amount varies by term length — shorter terms carry smaller penalties; longer terms carry larger ones. Marcus discloses the exact penalty schedule in its CD terms at marcus.com. If liquidity is a concern, consider the No-Penalty CD instead.
No. ClearValue Lending is not a bank, CD issuer, lender, or financial advisor. This review presents publicly available editorial information about Marcus High-Yield CDs. Marcus CDs are issued and operated by Goldman Sachs Bank USA. APYs, terms, fees, and eligibility are determined solely by Goldman Sachs Bank USA and may change — verify current terms at marcus.com before opening.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
Advertiser disclosure: some links are from our partners — we may earn a commission at no cost to you. Rankings and editorial assessments are independent of compensation.