GSDigital Bank
Latest Goldman Sachs Interest Rates - September 2026
Goldman Sachs Bank USA (GS)
1-Year CD: 3.9% Prime Rate: 6.75%
Interest Rate Summary
Goldman Sachs (Marcus) Interest Rates & Retail Products Overview
Quick Summary: Official interest rates and retail banking products offered nationwide by Marcus by Goldman Sachs (GS):
Key Deposit Rates & Benchmark:
- Online High-Yield Savings: The Marcus Online Savings Account yields 3.40% APY with no minimum balance and no monthly fees. A promotional referral bonus provides an additional 1.00% APY boost for 3 months (reaching 4.40% APY).
- High-Yield Certificates of Deposit (CDs): Marcus offers term CD APYs starting at a $500 minimum deposit:
- 6-Month CD: 3.95% APY
- 9-Month CD: 4.30% APY
- 12-Month CD: 3.90% APY
- 18-Month to 36-Month CDs: 4.35% APY
- 11-Month No-Penalty CD: 4.00% APY
- Benchmark Rate: Reference prime rate stands at 6.75%.
Consumer Lending Products Status:
- Mortgage & Auto Loans: Marcus does not originate retail residential purchase/refinance mortgages or auto loans.
- Personal Loans: Marcus discontinued public open applications for unsecured consumer personal loans as part of Goldman Sachs' strategic retreat from retail consumer lending.
- Credit Cards: Marcus does not offer standard open-enrollment direct retail Marcus-branded credit cards.
💡 Financial Tip: High-yield savings rates are variable and adjust with broader market interest rate moves, whereas CD rates are locked for the selected term once funded under the Marcus 10-Day CD Rate Guarantee.
CD & Savings Interest Rates - GS
Unit: %/year| Term / Maturity | Branch APY | Online / Digital APY 📱 |
|---|---|---|
| Standard Savings | 3.4% | 4.4% |
| 1 Month | - | 1% |
| 3 Months | - | 1% |
| 6 Months | 3.95% | 4.95% |
| 12 Months (Benchmark ⭐) | 3.9% | 4.9% |
| 24 Months | 4.35% | 5.35% |
| 36 Months | 4.35% | 5.35% |
Featured Loan Products - GS
Loan Guide & Terms →mortgageGS
5.5% /yr
- • Promo period: 12 months
- • Max loan term: 25 years
- • Max borrowing limit: 80% of value
auto loanGS
7% /yr
- • Max loan term: 8 years
- • Max borrowing limit: 80% of value
personal loanGS
9.5% /yr
- • Max loan term: 5 years
student loanGS
6.5% /yr
- • Max loan term: 15 years
Advanced Loan Calculator
Calculate Loan Payments for Goldman Sachs
Simulate monthly principal and interest payments at 6.75%/yr APR for GS with detailed amortization schedule and Excel export.
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