American Express CD vs Marcus by Goldman Sachs High-Yield CD
Side by side on the numbers that decide it. The Money 8020 Score already weighs these. This page is the receipts.
Money 8020 pick AE American Express CD American Express National Bank 97/100 | MB Marcus by Goldman Sachs High-Yield CD Marcus by Goldman Sachs 96/100 | |
|---|---|---|
| Tier | Essential | Essential |
| 12-month APY | 3.65% | 4.40% |
| FDIC insured | Yes | Yes |
| 10-month APY | 4.40% | — |
| 22-month APY | 4.40% | — |
| Minimum balance | $0 | — |
| Annual fee | — | — |
| Best for | Savers who want a 10-month CD with no minimum | Savers with at least $500 who want a 1-year lock |
| View profile | View profile |
Which should you choose: the American Express CD or the Marcus by Goldman Sachs High-Yield CD?
The American Express CD is the stronger pick of the two, with a Money 8020 score of 97/100 versus 96. Choose the Marcus by Goldman Sachs High-Yield CD instead if savers with at least $500 who want a 1-year lock.
On 12-month APY, the American Express CD shows 3.65% versus the Marcus by Goldman Sachs High-Yield CD's 4.40%. Both figures are reflected in the Money 8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
American Express CD vs Marcus by Goldman Sachs High-Yield CD: FAQ
Is the American Express CD or the Marcus by Goldman Sachs High-Yield CD better?
By our scoring, the American Express CD edges ahead with a Money 8020 score of 97/100 versus 96. The Marcus by Goldman Sachs High-Yield CD can still be the better fit if savers with at least $500 who want a 1-year lock.
What is the main difference between the American Express CD and the Marcus by Goldman Sachs High-Yield CD?
On 12-month APY, the American Express CD offers 3.65% while the Marcus by Goldman Sachs High-Yield CD offers 4.40%. Review the full table above and confirm current terms with each provider. This is not financial advice.