Product vs product
CD vs high-yield savings right now
As of October 14, 2026, the Marcus 18 months CD at 4.4% APY pays 90 basis points more than Marcus Online Savings at 3.5% APY (savings stamp October 14, 2026). Take the CD if you can lock the money for 18 months. Take the savings account if you need same-day access.
| Marcus CD | Marcus Online Savings | |
|---|---|---|
| APY | 4.4% | 3.5% |
| Term / access | 18 months | Same-day access |
| Minimum | $500 | None |
| Verified | October 14, 2026 | October 14, 2026 |
Same sentence as the Marcus CD page and the Marcus Online Savings page. Built from each product's own stamp.
FAQ
CD vs high-yield savings right now: which pays more?
As of October 14, 2026, the Marcus 18 months CD at 4.4% APY pays 90 basis points more than Marcus Online Savings at 3.5% APY (savings stamp October 14, 2026). Take the CD if you can lock the money for 18 months. Take the savings account if you need same-day access.
Where are the two Marcus products?
The CD is on the Marcus High-Yield CD page. The savings account is on the Marcus Online Savings page. Each stamp is its own.