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Marcus vs TD Bank CD Rates (November 2026)
On a 1-year CD, $10,000 earns $25.00 more at Marcus than at TD Bank. The full term-by-term breakdown is below.
Updated Nov 7, 2026
The verdict: Marcus vs TD Bank
Marcus pays the higher APY on 7 of the 7 terms both banks offer for a $10,000 deposit. TD Bank leads on 0.
At the headline 1 year term, Marcus pays 4.40% APY against 4.15% at TD Bank, a $25.00 difference on $10,000. Each bank's best offer right now: Marcus pays up to 4.40% (1 year) and TD Bank up to 4.30% (2 years).
The rate is only half the decision. Marcus and TD Bank 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.
Marcus vs TD Bank 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 | TD Bank | Better pick |
|---|---|---|---|
| 3 months | – | 2.00% | – |
| 6 months | 3.95% | 2.00% | Marcus |
| 9 months | 4.30% | 3.51% | Marcus |
| 10 months | – | 2.00% | – |
| 1 year | 4.40% | 4.15% | Marcus |
| 18 months | 4.40% | 4.25% | Marcus |
| 2 years | 4.40% | 4.30% | Marcus |
| 3 years | 4.40% | 2.00% | Marcus |
| 4 years | 4.40% | – | – |
| 5 years | 4.40% | 2.00% | Marcus |
| 6 years | 4.40% | – | – |
Sources: Marcus CD rates (checked Nov 7, 2026) and TD Bank CD rates (checked Nov 7, 2026).
What $10,000 earns at each bank
Interest over the full term at the rates above, on the 7 terms both banks offer.
| Term | Marcus earns | TD Bank earns | Difference |
|---|---|---|---|
| 6 months | $195.59 at 3.95% | $99.50 at 2.00% | Marcus +$96.08 |
| 9 months | $320.80 at 4.30% | $262.11 at 3.51% | Marcus +$58.69 |
| 1 year | $440.00 at 4.40% | $415.00 at 4.15% | Marcus +$25.00 |
| 18 months | $667.21 at 4.40% | $644.23 at 4.25% | Marcus +$22.98 |
| 2 years | $899.36 at 4.40% | $878.49 at 4.30% | Marcus +$20.87 |
| 3 years | $1,378.93 at 4.40% | $612.08 at 2.00% | Marcus +$766.85 |
| 5 years | $2,402.31 at 4.40% | $1,040.81 at 2.00% | 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 | Marcus earns | TD Bank earns |
|---|---|---|
| $1,000 | $44.00 at 4.40% | $41.50 at 4.15% |
| $10,000 | $440.00 at 4.40% | $415.00 at 4.15% |
| $25,000 | $1,100.00 at 4.40% | $1,037.50 at 4.15% |
| $100,000 | $4,400.00 at 4.40% | $4,150.00 at 4.15% |
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 | TD Bank |
|---|---|---|
| 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 | – |
| 7-89 days | – | all interest earned |
| 90 days to less than 1 year | – | 3 months of interest |
| 1 year to less than 2 years | – | 6 months of interest |
| 2 years to less than 3 years | – | 9 months of interest |
| 3 years to less than 4 years | – | 12 months of interest |
| 4 years to less than 5 years | – | 18 months of interest |
| 5 years or more | – | 24 months of interest |
Example: break a 1-year $10,000 CD after 6 months and Marcus charges $106.18 (you keep $10,111.45) while TD Bank charges $203.32 (you keep $10,002.07). At Marcus the penalty can reach your principal. At TD Bank the penalty can reach your principal.
Rules verified against each bank's disclosure (Marcus: checked 2026-11-04; TD Bank: checked 2026-11-06). Model your own deposit and withdrawal date on the CD early withdrawal penalty calculator.
Marcus vs TD Bank CD FAQs
Quick answers comparing Marcus and TD Bank CDs.
Which pays more, Marcus or TD Bank?
How much more does $10,000 earn at Marcus over 1 year?
Marcus or TD Bank: which is better for a 5-year CD?
Which has the lower early withdrawal penalty, Marcus or TD Bank?
Are Marcus and TD Bank 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, TD Bank 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
- TD Bank — CD rates
- Marcus — early withdrawal disclosure
- TD Bank — 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.