Goldman’s Marcus Offers Market-Leading 4.05% APY on 9-Month CD
GSGS•
Marcus by Goldman Sachs is offering a nine-month CD at 4.05% APY, the highest available rate on April 18, 2026. This top rate could bolster Goldman’s retail deposit growth after three 2025 federal funds rate cuts.
1. Fed Rate Cuts and CD Yield Environment
After three federal funds rate cuts in 2025, certificate of deposit yields have become more attractive, prompting savers to lock in higher rates before potential further declines.
2. Goldman’s Marcus Launches 4.05% APY Nine-Month CD
Marcus by Goldman Sachs introduced a nine-month CD carrying a 4.05% APY, making it the highest short-term CD rate on the market as of April 18, 2026.
3. Implications for Goldman Sachs’ Deposit Strategy
The elevated CD rate could accelerate retail deposit inflows into Marcus, strengthening Goldman’s funding base while potentially compressing net interest margins if funding costs rise.
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