Marcus 12-Month CD
APY
4.35%
Min. to Open
$500
Monthly Fee
No monthly fee
Welcome Bonus
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Marcus 12-Month CD
Marcus 12-Month CD
4.35% APY; 12-month. April 2026.
Our take
Strong 1-year rate from a trusted online bank.
Highlights
What we like
Strong 12-month CD rate
Marcus brand and simple renewal options
The trade-off
Early withdrawal penalties apply
Is this account right for you?
Answer a few quick questions — we'll match you with the savings accounts that fit your goals and habits.
Full details
Rate & Earnings
| APY | 4.35% |
| APY conditions | 12-month CD |
| Minimum balance for APY | $500 |
Fees & Requirements
| Monthly fee | No monthly fee |
| Minimum to open | $500 |
Features
| FDIC insured | FDIC insured |
| Mobile app | Mobile app |
Frequently asked questions
What is the current APY on this account?
The current APY is 4.35%. 12-month CD
Is my money protected?
Yes — this account is FDIC insured up to $250,000 per depositor, per institution. Your money is safe even if the bank fails.
How do I access my money?
You can transfer funds electronically to a linked checking account, typically within 1–3 business days.
Are there any hidden fees?
This account has no monthly maintenance fee. Always review the full fee schedule for wire transfer, outgoing transfer, or other service fees.
Marcus 12-Month CD