Latest Goldman Sachs Interest Rates - September 2026
Goldman Sachs Bank USA (GS)
Goldman Sachs (Marcus) Interest Rates & Retail Products Overview
Quick Summary: Official deposit interest rates and retail consumer banking overview for Marcus by Goldman Sachs (GS):
Featured Rates & Products:
- Online High-Yield Savings: Earns a competitive variable yield of 3.40% APY with no minimum deposit requirement, no monthly service fees, and an optional +0.25% APY bonus for 3 months via qualifying referral promotions.
- Certificates of Deposit (High-Yield CDs): Feature competitive yields with a low $500 opening minimum, including 3.95% APY for 6 months, 4.30% APY for 9 months, 3.90% APY for 12 months, and 4.35% APY across 18-month through 36-month terms.
- No-Penalty CDs: Flexible fixed CDs allowing penalty-free principal withdrawal starting 7 days post-funding offer rates such as 3.75% APY (7-month) and 4.00% APY (11-month).
- Retail Lending Products: Goldman Sachs previously phased out new consumer originations under the Marcus platform, meaning residential mortgages, auto financing, unsecured personal loans, and direct Marcus credit cards are not offered.
- Benchmark Reference Rate: The prevailing U.S. Wall Street Journal Prime Rate is 6.75%.
💡 Financial Tip: Marcus by Goldman Sachs focuses on high-yield cash management and CD laddering. Savers can lock in fixed yields with terms ranging from 6 months up to 6 years with no maintenance fees.
CD & Savings Interest Rates - GS
Unit: %/year| Term / Maturity | Branch APY | Online / Digital APY 📱 |
|---|---|---|
| Standard Savings | 3.4% | 3.65% |
| 1 Month | - | 0.25% |
| 3 Months | - | 0.25% |
| 6 Months | 3.95% | 4.2% |
| 12 Months (Benchmark ⭐) | 3.9% | 4.15% |
| 24 Months | 4.35% | 4.6% |
| 36 Months | 4.35% | 4.6% |
Featured Loan Products - GS
Loan Guide & Terms →5.5% /yr
- • Promo period: 12 months
- • Max loan term: 25 years
- • Max borrowing limit: 80% of value
7% /yr
- • Max loan term: 8 years
- • Max borrowing limit: 80% of value
9.5% /yr
- • Max loan term: 5 years
6.5% /yr
- • Max loan term: 15 years
Calculate Loan Payments for Goldman Sachs
Simulate monthly principal and interest payments at 6.75% APR for GS with detailed amortization schedule and Excel export.
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