vs
American Express vs Marcus CD Rates (November 2026)
On a 1-year CD, $10,000 earns $65.00 more at Marcus than at American Express. The full term-by-term breakdown is below.
Updated Nov 7, 2026
The verdict: American Express vs Marcus
Marcus pays the higher APY on 6 of the 6 terms both banks offer for a $10,000 deposit. American Express leads on 0.
At the headline 1 year term, Marcus pays 4.40% APY against 3.75% at American Express, a $65.00 difference on $10,000. Each bank's best offer right now: American Express pays up to 4.50% (10 months) and Marcus up to 4.40% (1 year).
The rate is only half the decision. American Express and Marcus charge different penalties if you break the CD early — compared below — and Both are federally insured up to $250,000 per depositor, so safety is equal under the limit.
American Express vs Marcus CD rates by term
Best APY a $10,000 deposit can open at each bank, for every term either bank lists. A dash means the bank has no fundable offer at that term and deposit; we leave it blank rather than guess. "Rel." marks a relationship rate that needs a linked account.
| Term | American Express | Marcus | Better pick |
|---|---|---|---|
| 6 months | – | 3.95% | – |
| 9 months | – | 4.30% | – |
| 10 months | 4.50% | – | – |
| 11 months | 3.75% | – | – |
| 1 year | 3.75% | 4.40% | Marcus |
| 14 months | 3.75% | – | – |
| 18 months | 3.75% | 4.40% | Marcus |
| 22 months | 4.50% | – | – |
| 2 years | 3.75% | 4.40% | Marcus |
| 3 years | 2.25% | 4.40% | Marcus |
| 4 years | 2.25% | 4.40% | Marcus |
| 5 years | 3.00% | 4.40% | Marcus |
| 6 years | – | 4.40% | – |
Sources: American Express CD rates (checked Nov 7, 2026) and Marcus CD rates (checked Nov 7, 2026).
What $10,000 earns at each bank
Interest over the full term at the rates above, on the 6 terms both banks offer.
| Term | American Express earns | Marcus earns | Difference |
|---|---|---|---|
| 1 year | $375.00 at 3.75% | $440.00 at 4.40% | Marcus +$65.00 |
| 18 months | $567.74 at 3.75% | $667.21 at 4.40% | Marcus +$99.47 |
| 2 years | $764.06 at 3.75% | $899.36 at 4.40% | Marcus +$135.30 |
| 3 years | $690.30 at 2.25% | $1,378.93 at 4.40% | Marcus +$688.63 |
| 4 years | $930.83 at 2.25% | $1,879.60 at 4.40% | Marcus +$948.77 |
| 5 years | $1,592.74 at 3.00% | $2,402.31 at 4.40% | Marcus +$809.57 |
a 1-year CD earnings by deposit size
Balance tiers mean the APY can change with the deposit. This is what 1 year CDs pay at four deposit sizes.
| Deposit | American Express earns | Marcus earns |
|---|---|---|
| $1,000 | $37.50 at 3.75% | $44.00 at 4.40% |
| $10,000 | $375.00 at 3.75% | $440.00 at 4.40% |
| $25,000 | $937.50 at 3.75% | $1,100.00 at 4.40% |
| $100,000 | $3,750.00 at 3.75% | $4,400.00 at 4.40% |
A dash means that deposit does not qualify for the bank's 1 year offer (minimum opening deposit or a product cap).
Early withdrawal penalties compared
| Term | American Express | Marcus |
|---|---|---|
| Term of less than 12 months | 90 days of interest | – |
| Term of at least 12 but less than 48 months | 270 days of interest | – |
| Term of at least 48 but less than 60 months | 365 days of interest | – |
| Term of 60 months or more | 540 days of interest | – |
| 1 year or less | – | 90 days of interest |
| More than 1 year to 5 years | – | 180 days of interest |
| More than 5 years | – | 270 days of interest |
Example: break a 1-year $10,000 CD after 6 months and American Express charges $272.34 (you keep $9,913.44) while Marcus charges $106.18 (you keep $10,111.45). At American Express the penalty can reach your principal. At Marcus the penalty can reach your principal.
Rules verified against each bank's disclosure (American Express: checked 2026-11-06; Marcus: checked 2026-11-04). Model your own deposit and withdrawal date on the CD early withdrawal penalty calculator.
American Express vs Marcus CD FAQs
Quick answers comparing American Express and Marcus CDs.
Which pays more, American Express or Marcus?
How much more does $10,000 earn at Marcus over 1 year?
American Express or Marcus: which is better for a 5-year CD?
Which has the lower early withdrawal penalty, American Express or Marcus?
Are American Express and Marcus CDs insured?
Are these the best CD rates available?
Sources and how we calculate
Rates come from each bank's own rate page (American Express checked Nov 7, 2026, Marcus checked Nov 7, 2026); penalty rules are verified against the banks' disclosures. Earnings grow the deposit at the APY, the same math the bank pages and calculators on this site use. Results are estimates, not an offer from either bank.
- American Express — CD rates
- Marcus — CD rates
- Marcus — early withdrawal disclosure
- FDIC: National Rates and Rate Caps
Figures last checked on Nov 7, 2026. Read our calculation methodology for data sources and update schedule.