Marcus CD Rates (November 2026) & Calculator
Marcus pays up to 4.40% APY on a 1-year CD. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.
Marcus CD rates (Nov 3, 2026)
Every CD term Marcus lists on its website, with what $10,000 earns over the full term.
| Term | Product | Minimum | APY | $10,000 earns |
|---|---|---|---|---|
| 6 months | High-Yield CD | $500 | 3.95% | $195.59 |
| 9 months | High-Yield CD | $500 | 4.30% | $320.80 |
| 1 year | High-Yield CD | $500 | 4.40% | $440.00 |
| 18 months | High-Yield CD | $500 | 4.40% | $667.21 |
| 2 years | High-Yield CD | $500 | 4.40% | $899.36 |
| 3 years | High-Yield CD | $500 | 4.40% | $1,378.93 |
| 4 years | High-Yield CD | $500 | 4.40% | $1,879.60 |
| 5 years | High-Yield CD | $500 | 4.40% | $2,402.31 |
| 6 years | High-Yield CD | $500 | 4.40% | $2,948.01 |
Special is a promotional rate. Relationship needs a linked account at Marcus. A dash means the same APY as the opening balance. The highlighted row is Marcus's top rate.
Source: Marcus CD rates. Rates change often; confirm before you open an account.
Marcus vs the national average
The FDIC national average is what banks and credit unions pay on average, weighted by deposits (Oct 19, 2026). The last column is the best rate among the 8 other banks we track for the same term.
| Term | Marcus | National avg | Best other bank |
|---|---|---|---|
| 6 months | 3.95% | 1.39% |  Ally 4.00% |
| 9 months | 4.30% | 1.39% (6 mo) | Ally 4.15% |
| 1 year | 4.40% | 1.76% | Ally 4.50% |
| 18 months | 4.40% | 1.76% (12 mo) | Ally 4.50% |
| 2 years | 4.40% | 1.55% |  Navy Federal 3.66% |
| 3 years | 4.40% | 1.39% | Ally 4.25% |
| 4 years | 4.40% | 1.31% |  Capital One 3.50% |
| 5 years | 4.40% | 1.41% | Ally 4.50% |
| 6 years | 4.40% | 1.41% (60 mo) | – |
Marcus CD early withdrawal penalty
| Term | Penalty |
|---|---|
| 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Example: $10,000 in a 1-year CD at 4.40%, withdrawn after 6 months, has earned $217.63. The penalty is $106.18, so you would get $10,111.45.
Marcus does not allow partial early withdrawals; you close the whole CD. Marcus also offers No-Penalty CDs. Official disclosure (checked 2026-11-04).
How We Calculate & Keep This Accurate
Maturity value is your deposit grown at the APY for the term: A = P × (1 + APY)^(months ÷ 12). The APY for each term is the highest balance tier your deposit qualifies for. Early withdrawal penalties are charged as simple interest on the deposit at the CD's interest rate (the APY converted to its daily rate), following Marcus's published rule for that term.
Rates come from Marcus's own rate page. We use the APY Ledger dataset (CC BY 4.0) to spot rate changes, and we checked a sample of rates and the penalty rules against Marcus's website and disclosures. Results are estimates, not an offer from the bank.
Primary Sources
Data & Freshness
Figures reflect 2026 tax-year data.
Last updated November 3, 2026 · Maintained by the Financial Calculator editorial team.
Marcus CD FAQs
Quick answers about Marcus CD rates and penalties.
What are Marcus's CD rates today?
How much will $10,000 earn in a Marcus 1 year CD?
What is Marcus's CD early withdrawal penalty?
Are Marcus CDs insured?
How do Marcus's rates compare with the national average?
CD rates at other banks
Top APY at each bank for a $10,000 deposit.
- Chase CD ratesup to 3.50%
- Wells Fargo CD ratesup to 4.25%
- Citi CD ratesup to 4.25%
- Capital One CD ratesup to 4.50%
- Ally CD ratesup to 4.50%
- U.S. Bank CD ratesup to 3.50%
- Navy Federal CD ratesup to 4.35%
- PenFed CD ratesup to 3.50%
- CD calculator (any bank)