vs
Citi vs Marcus CD Rates (November 2026)
On a 1-year CD, $10,000 earns $15.00 more at Marcus than at Citi. The full term-by-term breakdown is below.
Updated Nov 7, 2026
The verdict: Citi vs Marcus
Marcus pays the higher APY on 8 of the 8 terms both banks offer for a $10,000 deposit. Citi leads on 0.
At the headline 1 year term, Marcus pays 4.40% APY against 4.25% at Citi, a $15.00 difference on $10,000. Each bank's best offer right now: Citi pays up to 4.25% (1 year) and Marcus up to 4.40% (1 year).
The rate is only half the decision. Citi 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.
Citi 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 | Citi | Marcus | Better pick |
|---|---|---|---|
| 3 months | 0.05% | – | – |
| 4 months | 2.00% | – | – |
| 5 months | 2.50% | – | – |
| 6 months | 2.00% | 3.95% | Marcus |
| 7 months | 4.00% | – | – |
| 8 months | 2.00% | – | – |
| 9 months | 2.00% | 4.30% | Marcus |
| 10 months | 0.05% | – | – |
| 11 months | 0.05% | – | – |
| 1 year | 4.25% | 4.40% | Marcus |
| 13 months | 2.00% | – | – |
| 14 months | 0.10% | – | – |
| 15 months | 2.00% | – | – |
| 18 months | 2.00% | 4.40% | Marcus |
| 2 years | 2.00% | 4.40% | Marcus |
| 30 months | 0.50% | – | – |
| 3 years | 2.00% | 4.40% | Marcus |
| 4 years | 2.00% | 4.40% | Marcus |
| 5 years | 2.00% | 4.40% | Marcus |
| 6 years | – | 4.40% | – |
Sources: Citi CD rates (checked Nov 6, 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 8 terms both banks offer.
| Term | Citi earns | Marcus earns | Difference |
|---|---|---|---|
| 6 months | $99.50 at 2.00% | $195.59 at 3.95% | Marcus +$96.08 |
| 9 months | $149.63 at 2.00% | $320.80 at 4.30% | Marcus +$171.17 |
| 1 year | $425.00 at 4.25% | $440.00 at 4.40% | Marcus +$15.00 |
| 18 months | $301.50 at 2.00% | $667.21 at 4.40% | Marcus +$365.71 |
| 2 years | $404.00 at 2.00% | $899.36 at 4.40% | Marcus +$495.36 |
| 3 years | $612.08 at 2.00% | $1,378.93 at 4.40% | Marcus +$766.85 |
| 4 years | $824.32 at 2.00% | $1,879.60 at 4.40% | Marcus +$1,055.28 |
| 5 years | $1,040.81 at 2.00% | $2,402.31 at 4.40% | Marcus +$1,361.50 |
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 | Citi earns | Marcus earns |
|---|---|---|
| $1,000 | $42.50 at 4.25% | $44.00 at 4.40% |
| $10,000 | $425.00 at 4.25% | $440.00 at 4.40% |
| $25,000 | $1,062.50 at 4.25% | $1,100.00 at 4.40% |
| $100,000 | $4,250.00 at 4.25% | $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 | Citi | Marcus |
|---|---|---|
| 1 year or less | 90 days of interest | 90 days of interest |
| More than 1 year | 180 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 Citi charges $102.63 (you keep $10,107.65) while Marcus charges $106.18 (you keep $10,111.45). At Citi the penalty can reach your principal. At Marcus the penalty can reach your principal.
Rules verified against each bank's disclosure (Citi: checked 2026-11-04; Marcus: checked 2026-11-04). Model your own deposit and withdrawal date on the CD early withdrawal penalty calculator.
Citi vs Marcus CD FAQs
Quick answers comparing Citi and Marcus CDs.
Which pays more, Citi or Marcus?
How much more does $10,000 earn at Marcus over 1 year?
Citi or Marcus: which is better for a 5-year CD?
Which has the lower early withdrawal penalty, Citi or Marcus?
Are Citi 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 (Citi checked Nov 6, 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.
- Citi — CD rates
- Marcus — CD rates
- Citi — early withdrawal disclosure
- 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.