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Marcus vs Wells Fargo CD Rates (November 2026)
On a 1-year CD, $10,000 earns $290.00 more at Marcus than at Wells Fargo. The full term-by-term breakdown is below.
Updated Nov 7, 2026
The verdict: Marcus vs Wells Fargo
Marcus pays the higher APY on 2 of the 2 terms both banks offer for a $10,000 deposit. Wells Fargo leads on 0.
At the headline 1 year term, Marcus pays 4.40% APY against 1.50% at Wells Fargo, a $290.00 difference on $10,000. Each bank's best offer right now: Marcus pays up to 4.40% (1 year) and Wells Fargo up to 4.25% (11 months, relationship).
The rate is only half the decision. Marcus and Wells Fargo 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 Wells Fargo 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 | Wells Fargo | Better pick |
|---|---|---|---|
| 3 months | – | 0.05% | – |
| 4 months | – | 3.24% | – |
| 6 months | 3.95% | 0.05% | Marcus |
| 7 months | – | 3.84% | – |
| 9 months | 4.30% | – | – |
| 11 months | – | 3.99% | – |
| 1 year | 4.40% | 1.50% | Marcus |
| 15 months | – | 3.74% | – |
| 18 months | 4.40% | – | – |
| 2 years | 4.40% | – | – |
| 3 years | 4.40% | – | – |
| 4 years | 4.40% | – | – |
| 5 years | 4.40% | – | – |
| 6 years | 4.40% | – | – |
Sources: Marcus CD rates (checked Nov 7, 2026) and Wells Fargo CD rates (checked Nov 7, 2026).
What $10,000 earns at each bank
Interest over the full term at the rates above, on the 2 terms both banks offer.
| Term | Marcus earns | Wells Fargo earns | Difference |
|---|---|---|---|
| 6 months | $195.59 at 3.95% | $2.50 at 0.05% | Marcus +$193.09 |
| 1 year | $440.00 at 4.40% | $150.00 at 1.50% | Marcus +$290.00 |
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 | Wells Fargo earns |
|---|---|---|
| $1,000 | $44.00 at 4.40% | – |
| $10,000 | $440.00 at 4.40% | $150.00 at 1.50% |
| $25,000 | $1,100.00 at 4.40% | $375.00 at 1.50% |
| $100,000 | $4,400.00 at 4.40% | $1,500.00 at 1.50% |
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 | Wells Fargo |
|---|---|---|
| 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 | – |
| Less than 3 months | – | 1 month of interest |
| 3 to 12 months | – | 3 months of interest |
| Over 12 through 24 months | – | 6 months of interest |
| Over 24 months | – | 12 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 Wells Fargo charges $37.22 (you keep $10,037.50). At Marcus the penalty can reach your principal. At Wells Fargo the penalty can reach your principal.
Rules verified against each bank's disclosure (Marcus: checked 2026-11-04; Wells Fargo: checked 2026-11-04). Model your own deposit and withdrawal date on the CD early withdrawal penalty calculator.
Marcus vs Wells Fargo CD FAQs
Quick answers comparing Marcus and Wells Fargo CDs.
Which pays more, Marcus or Wells Fargo?
How much more does $10,000 earn at Marcus over 1 year?
Marcus or Wells Fargo: which is better for a 1-year CD?
Which has the lower early withdrawal penalty, Marcus or Wells Fargo?
Are Marcus and Wells Fargo 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, Wells Fargo 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
- Wells Fargo — 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.