Marcus 12-Month High-Yield CD
Best 12-month rate from a large trusted issuer. Watch the penalty.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- APY: 4.30%
- Monthly fee: $0
- Minimum deposit: $500
- Term: 12 months
FairPrice score: 80/100
Features
- 10-day best-rate guarantee
- Higher rate than most 12mo
- Trusted brand
Pros
- Solid rate
- Rate guarantee
- Reliable
Cons
- $500 minimum
- Steep early-withdrawal penalty
Best for
- 1 year cd
- trusted brand
Official source · Last verified 2026-10-05