Marcus by Goldman Sachs Tops CD Rates With 4% APY on 14-Month Term

Marcus by Goldman Sachs offers the highest certificate of deposit rate available on May 31, 2026, with a 4% annual percentage yield on a 14-month CD, as shorter-term maturities continue to outpay longer ones in the current inverted yield environment. A $10,000 deposit at the 4% rate would grow to $10,407.42 at maturity, reflecting monthly compounding. In comparison, a one-year CD at the national average of 1.52% APY returns just $15.20 in interest per $1,000, highlighting the premium on top offers. The rate advantage for short-to-medium term CDs reverses the historical norm where longer-term deposits commanded higher yields. The trend signals an opportunity for investors to lock in elevated returns before any potential easing by the Federal Reserve.