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Marcus vs Navy Federal CD Rates (November 2026)
On a 1-year CD, $10,000 earns $35.00 more at Marcus than at Navy Federal. The full term-by-term breakdown is below.
Updated Nov 7, 2026
The verdict: Marcus vs Navy Federal
Marcus pays the higher APY on 5 of the 5 terms both banks offer for a $10,000 deposit. Navy Federal leads on 0.
At the headline 1 year term, Marcus pays 4.40% APY against 4.05% at Navy Federal, a $35.00 difference on $10,000. Each bank's best offer right now: Marcus pays up to 4.40% (1 year) and Navy Federal up to 4.10% (18 months).
The rate is only half the decision. Marcus and Navy Federal charge different penalties if you break the CD early — compared below — and Navy Federal is a credit union, so you must be eligible to join (see its page for who qualifies). Both are federally insured up to $250,000 per depositor, so safety is equal under the limit.
Marcus vs Navy Federal 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 | Marcus | Navy Federal | Better pick |
|---|---|---|---|
| 3 months | – | 1.50% | – |
| 6 months | 3.95% | – | – |
| 9 months | 4.30% | – | – |
| 1 year | 4.40% | 4.05% | Marcus |
| 18 months | 4.40% | 4.10% | Marcus |
| 2 years | 4.40% | 3.66% | Marcus |
| 3 years | 4.40% | 4.10% | Marcus |
| 4 years | 4.40% | – | – |
| 5 years | 4.40% | 3.85% | Marcus |
| 6 years | 4.40% | – | – |
| 7 years | – | 3.85% | – |
Sources: Marcus CD rates (checked Nov 7, 2026) and Navy Federal certificate rates (checked Nov 7, 2026).
What $10,000 earns at each bank
Interest over the full term at the rates above, on the 5 terms both banks offer.
| Term | Marcus earns | Navy Federal earns | Difference |
|---|---|---|---|
| 1 year | $440.00 at 4.40% | $405.00 at 4.05% | Marcus +$35.00 |
| 18 months | $667.21 at 4.40% | $621.26 at 4.10% | Marcus +$45.95 |
| 2 years | $899.36 at 4.40% | $745.40 at 3.66% | Marcus +$153.96 |
| 3 years | $1,378.93 at 4.40% | $1,281.12 at 4.10% | Marcus +$97.81 |
| 5 years | $2,402.31 at 4.40% | $2,079.04 at 3.85% | Marcus +$323.27 |
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 | Marcus earns | Navy Federal earns |
|---|---|---|
| $1,000 | $44.00 at 4.40% | $40.50 at 4.05% |
| $10,000 | $440.00 at 4.40% | $405.00 at 4.05% |
| $25,000 | $1,100.00 at 4.40% | $1,012.50 at 4.05% |
| $100,000 | $4,400.00 at 4.40% | $4,100.00 at 4.10% |
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 | Marcus | Navy Federal |
|---|---|---|
| 1 year or less | 90 days of interest | 90 days of interest |
| More than 1 year to 5 years | 180 days of interest | – |
| More than 5 years | 270 days of interest | – |
| More than 1 year and less than 5 years | – | 180 days of interest |
| 5 years or more | – | 365 days of interest |
Example: break a 1-year $10,000 CD after 6 months and Marcus charges $106.18 (you keep $10,111.45) while Navy Federal charges $97.90 (you keep $10,102.59). At Marcus the penalty can reach your principal. Navy Federal caps the penalty at the interest earned.
Rules verified against each bank's disclosure (Marcus: checked 2026-11-04; Navy Federal: checked 2026-11-05). Model your own deposit and withdrawal date on the CD early withdrawal penalty calculator.
Marcus vs Navy Federal CD FAQs
Quick answers comparing Marcus and Navy Federal CDs.
Which pays more, Marcus or Navy Federal?
How much more does $10,000 earn at Marcus over 1 year?
Marcus or Navy Federal: which is better for a 5-year CD?
Which has the lower early withdrawal penalty, Marcus or Navy Federal?
Are Marcus and Navy Federal CDs insured?
Are these the best CD rates available?
Sources and how we calculate
Rates come from each bank's own rate page (Marcus checked Nov 7, 2026, Navy Federal 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.
- Marcus — CD rates
- Navy Federal — certificate rates
- Marcus — early withdrawal disclosure
- Navy Federal — 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.