Goldman Sachs’ Marcus Launches 4% APY 14-Month CD Rate
GS•Marcus by Goldman Sachs now offers a 4% APY on its 14-month certificate of deposit, the highest rate available on June 8, 2026. The Federal Reserve’s three rate cuts in 2025 and steady policy in 2026 have driven online bank CD yields well above the national average.
1. Top Marcus 14-Month CD Offer
On June 8, 2026, Marcus by Goldman Sachs introduced a 14-month certificate of deposit carrying a 4% APY, the highest yield available in today’s market. This product highlights Marcus’s push to expand its deposit base by offering online-only high-rate savings vehicles.
2. Fed Rate Cuts and Deposit Rate Trends
The Federal Reserve enacted three rate cuts in 2025 and has maintained target rates through 2026, supporting elevated benchmark levels. These conditions have propelled online bank CD yields to near two-decade highs, widening gaps over traditional brick-and-mortar offerings.
