All Goldman Sachs Bank USA accounts
8 CDsChecked Oct 10, 2026Updated
Goldman Sachs Bank USA CD rates
4.40%APY for 1 year, its best · as of Oct 10, 2026
- 6 months
- 3.95%#43 of 142 on our list
- 7 months
- 3.75%7 Month No-Penalty CD
- 9 months
- 4.30%High-Yield CD
- 11 months
- 4.00%11 Month No-Penalty CD
- 1 year
- 4.40%#15 of 154 on our list
- 13 months
- 3.80%13 Month No-Penalty CD
- 18 months
- 4.40%#11 of 91 on our list
- 20 months
- 4.35%20-Month Rate Bump CD
- 2 years
- 4.40%#18 of 113 on our list
- 3 years
- 4.40%#10 of 74 on our list
- 4 years
- 4.40%High-Yield CD
- 5 years
- 4.40%#19 of 73 on our list
- 6 years
- 4.40%High-Yield CD
Visit Goldman SachsPlaces are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.
11 Month No-Penalty CD
| Term | APY | On our list |
|---|---|---|
| 11 months | 4.00% | – |
Source: the bank’s page · checked Oct 10, 2026
13 Month No-Penalty CD
| Term | APY | On our list |
|---|---|---|
| 13 months | 3.80% | – |
Source: the bank’s page · checked Oct 10, 2026
20-Month Rate Bump CD
| Term | APY | On our list |
|---|---|---|
| 20 months | 4.35% | – |
Source: the bank’s page · checked Oct 10, 2026
7 Month No-Penalty CD
| Term | APY | On our list |
|---|---|---|
| 7 months | 3.75% | – |
Source: the bank’s page · checked Oct 10, 2026
High-Yield CD
| Term | APY | On our list |
|---|---|---|
| 6 months | 3.95% | #43 of 142 |
| 9 months | 4.30% | – |
| 1 year | 4.40% | #15 of 154 |
| 18 months | 4.40% | #11 of 91 |
| 2 years | 4.40% | #18 of 113 |
| 3 years | 4.40% | #10 of 74 |
| 4 years | 4.40% | – |
| 5 years | 4.40% | #19 of 73 |
| 6 years | 4.40% | – |
Source: the bank’s page · checked Oct 10, 2026
- Early withdrawal penalty
- Up to 1 year: 90 days of interest
- Up to 5 years: 180 days of interest
- Over 5 years: 270 days of interest
- Minimum to open
- $500Source · checked Oct 10, 2026
- Grace period at maturity
- 10 daysSource · checked Oct 10, 2026
- Interest compounds
- dailySource · checked Oct 10, 2026
Marcus High-Yield CD
| Term | APY | On our list |
|---|---|---|
| 6 months | 3.95% | #45 of 142 |
| 9 months | 4.30% | – |
| 1 year | 4.40% | #17 of 154 |
Source: the bank’s page · checked Oct 10, 2026
- Minimum to open
- $500Source · checked Oct 10, 2026
- Early withdrawal penalty
- Penalties that may reduce CD earnings will apply to a withdrawal of principal prior to maturity.Source · checked Oct 10, 2026
- Interest compounds
- daily; interest earned is added to the principal balance monthlySource · checked Oct 10, 2026
No-Penalty CD
| Term | APY | On our list |
|---|---|---|
| 7 months | 3.75% | – |
| 11 months | 4.00% | – |
| 13 months | 3.80% | – |
Source: the bank’s page · checked Oct 10, 2026
Rate Bump CD
| Term | APY | On our list |
|---|---|---|
| 20 months | 4.35% | – |
Source: the bank’s page · checked Oct 10, 2026
- Early withdrawal penalty
- Up to 1 year: 90 days of interest
- Up to 5 years: 180 days of interest
- Over 5 years: 270 days of interest
- Minimum to open
- $500Source · checked Oct 10, 2026
- Grace period at maturity
- 10 daysSource · checked Oct 10, 2026
- Interest compounds
- dailySource · checked Oct 10, 2026
CD rates change often; the bank’s own page is the final word. Best CD rates by term · CD calculator · Report a mistake