Marcus by Goldman Sachs Offers 4.05% APY on 9-Month CD
Marcus by Goldman Sachs is offering a 4.05% APY on its nine-month certificate of deposit, the highest rate available as of April 26, 2026. The inverted term structure, with shorter-term CDs yielding more than longer maturities, may boost deposit inflows while raising GS’s funding costs.
1. Marcus by Goldman Sachs CD Rate Leadership
On April 26, 2026, Marcus by Goldman Sachs introduced a nine-month CD featuring a 4.05% APY, leading current CD rate offerings nationwide. This positions GS’s consumer bank unit at the top of rate comparisons and could attract savers seeking short-term yields.
2. Market Context and GS Funding Implications
The inverted yield curve, where shorter CDs outpace longer maturities, signals evolving market conditions. While higher rates may drive incremental deposit balances for GS, they also elevate the bank’s cost of funds, potentially compressing net interest margins in the near term.