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Comparisons

Only questions we can answer with a dated issuer-page number. No programmatic X vs Y grid.

Marcus vs Synchrony CD

As of September 8, 2026, both banks post a top print of 4.35% APY: Marcus on 18 months (a $500 minimum), Synchrony on 5 years (no minimum). On a shorter lock, Marcus's headline beats Synchrony's featured 16 months at 4.3% APY. Marcus loses on the minimum.

CD vs high-yield savings right now

As of September 7, 2026, the Marcus 18 months CD at 4.35% APY pays 95 basis points more than Marcus Online Savings at 3.4% APY (savings stamp September 3, 2026). Take the CD if you can lock the money for 18 months. Take the savings account if you need same-day access.

Is 4.35% a good CD rate today?

As of September 10, 2026, 4.35% APY on 18 months matches the top-of-catalog print (Marcus by Goldman Sachs High-Yield CD). Also at 4.35%: Popular Direct CD (stamp September 8, 2026). It is about 11 times the 0.38% FDIC national savings average, August 17, 2026. It is a good rate if you can leave the money until maturity. It is a bad rate if you might break the CD early.