Best Marcus by Goldman Sachs High-Yield CD alternatives in 2026
8 direct alternatives to Marcus by Goldman Sachs High-Yield CD, compared on rates, fees, and best-for use cases. Pick the right option without the marketing fluff.
Curated by Louis Corneloup · Updated Why people consider alternatives to Marcus by Goldman Sachs High-Yield CD
The Marcus High-Yield CD is the certificate of deposit arm of Goldman Sachs Bank USA's consumer brand. Terms run from 6 months to 6 years, every term takes a $500 minimum, and there are no monthly maintenance fees. People most often switch away when one of these starts to bite:
- •Costs that add up (rare for this product, but limits can push people out)
- •Rates or rewards that stopped being competitive.
- •Limits or restrictions as your needs grow.
- •A specific gap you have hit in cd rates.
The 8 alternatives below cover the same core job (cd rates) with different trade-offs. Ranked by real-signal score: external ratings, media mentions, and editor review. No paid placement.
8 alternatives to Marcus by Goldman Sachs High-Yield CD
Ranked by independent ratings, media mentions, and editor review, plus how directly they replace Marcus by Goldman Sachs High-Yield CD.
- 1
Marcus Online Savings
Battle-tested at scale3.40% APY with no minimums and same-day transfers from Goldman Sachs.
Direct alternative4.9(262,224)Compare Marcus by Goldman Sachs High-Yield CD vs Marcus Online Savings → - 2
American Express National Bank CD
American Express pays 4.25% APY on a 10 month CD with no minimum deposit, but the rest of its curve is weak.
Direct alternativeCompare Marcus by Goldman Sachs High-Yield CD vs American Express National Bank CD → - 3
Synchrony Bank Certificate of Deposit (16 Month CD)
Synchrony's featured 16 month CD pays 4.30% APY with no minimum deposit at all.
Direct alternativeCompare Marcus by Goldman Sachs High-Yield CD vs Synchrony Bank Certificate of Deposit (16 Month CD) → - 4
Capital One 360 CD (12 Month)
The Capital One 360 CD pays 4.00% APY on 12 months with no minimum deposit and real branch access.
Direct alternativeCompare Marcus by Goldman Sachs High-Yield CD vs Capital One 360 CD (12 Month) → - 5
Ally Bank High Yield CD (18 Month)
Ally's 18 month High Yield CD pays 4.00% APY with no minimum deposit and a 60 day early exit penalty.
Direct alternativeCompare Marcus by Goldman Sachs High-Yield CD vs Ally Bank High Yield CD (18 Month) → - 6
Popular Direct CD
Popular Direct pays 4.35% APY on an 18 month CD, the highest rate here, but demands $10,000 to open.
Direct alternativeCompare Marcus by Goldman Sachs High-Yield CD vs Popular Direct CD → - 7
BMO Alto Online Certificate of Deposit
BMO Alto's top CD is 3.00% APY at 5 years, the exact rate its own no lock savings account pays.
Direct alternativeCompare Marcus by Goldman Sachs High-Yield CD vs BMO Alto Online Certificate of Deposit → - 8
Bread Savings Certificate of Deposit (18 Month CD)
Bread Savings pays 4.50% APY on its 18 month CD, the top rate in its lineup, with $1,500 minimum.
Direct alternativeCompare Marcus by Goldman Sachs High-Yield CD vs Bread Savings Certificate of Deposit (18 Month CD) →
Frequently asked questions
What is the best alternative to Marcus by Goldman Sachs High-Yield CD?
Based on real-signal scoring (external ratings, media mentions, and editorial review), the top alternatives to Marcus by Goldman Sachs High-Yield CD are Marcus Online Savings, American Express National Bank CD, Synchrony Bank Certificate of Deposit (16 Month CD). Each solves the same core job with different trade-offs on rates, fees, and terms.
Is there a free alternative to Marcus by Goldman Sachs High-Yield CD?
Yes. Marcus Online Savings is one of the free alternatives to Marcus by Goldman Sachs High-Yield CD listed here (3.40% APY with no minimums and same-day transfers from Goldman Sachs). Other free options are flagged in the list below.
Why do people look for Marcus by Goldman Sachs High-Yield CD alternatives?
Common reasons people switch away from Marcus by Goldman Sachs High-Yield CD: fees that add up, rates or rewards that stopped being competitive, eligibility or usage limits, or a specific gap in cd rates. The alternatives on this page solve the same core problem with different trade-offs.
Still considering Marcus by Goldman Sachs High-Yield CD?
See the full review, fee breakdown, and community feedback before you decide.