Goldman Sachs’ Marcus Leads with 4% APY on 14-Month CD
GS•Marcus by Goldman Sachs is offering a 14-month CD with a 4% APY, the highest available rate today, potentially boosting deposit inflows. The Federal Reserve cut its federal funds rate three times in 2025 and has kept rates unchanged through mid-2026.
1. Marcus by Goldman Sachs 14-Month CD at 4% APY
Marcus by Goldman Sachs has introduced a 14-month certificate of deposit offering a 4% annual percentage yield, representing the highest CD rate available among leading online banks and credit unions. This product is designed to attract new deposits by offering above-market returns on a medium-term savings vehicle.
2. Federal Reserve Rate Environment
After reducing the federal funds rate three times in 2025, the Federal Reserve has left policy rates unchanged so far in 2026, maintaining a stable interest rate environment. This pause in rate adjustments creates a window for savers to secure competitive yields before potential future rate declines.
3. Competitive Landscape
CD rates continue to vary widely across financial institutions, with online banks and credit unions often leading on shorter-term offerings. Goldman Sachs’ Marcus platform aims to differentiate by combining competitive rates with digital account management and no-penalty withdrawal options.
