Capital One 360 1-Year CD vs Marcus by Goldman Sachs High-Yield CD
Side by side on the numbers that decide it. The money8020 Score already weighs these — this is the receipts.
CO Capital One 360 1-Year CD Capital One 94/100 | money8020 pick MB Marcus by Goldman Sachs High-Yield CD Marcus by Goldman Sachs 99/100 | |
|---|---|---|
| Tier | Essential | Essential |
| APY | 3.90% | 3.90% |
| Term | 12 months | 3.70% |
| Minimum deposit | $0 | 3.80% |
| FDIC insured | Yes | $500 |
| Annual fee | — | — |
| Best for | Savers who want to lock a strong 1-year rate with no minimum | Savers who can lock funds away for a fixed term |
| View profile | View profile |
Which should you choose: the Capital One 360 1-Year CD or the Marcus by Goldman Sachs High-Yield CD?
The Marcus by Goldman Sachs High-Yield CD is the stronger pick of the two, with a money8020 score of 99/100 versus 94. Choose the Capital One 360 1-Year CD instead if savers who want to lock a strong 1-year rate with no minimum.
On term, the Capital One 360 1-Year CD shows 12 months versus the Marcus by Goldman Sachs High-Yield CD's 3.70%. On minimum deposit, the Capital One 360 1-Year CD shows $0 versus the Marcus by Goldman Sachs High-Yield CD's 3.80%. On fDIC insured, the Capital One 360 1-Year CD shows Yes versus the Marcus by Goldman Sachs High-Yield CD's $500. Both figures are reflected in the money8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
Capital One 360 1-Year CD vs Marcus by Goldman Sachs High-Yield CD: FAQ
Is the Capital One 360 1-Year CD or the Marcus by Goldman Sachs High-Yield CD better?
By our scoring, the Marcus by Goldman Sachs High-Yield CD edges ahead with a money8020 score of 99/100 versus 94. The Capital One 360 1-Year CD can still be the better fit if savers who want to lock a strong 1-year rate with no minimum.
What is the main difference between the Capital One 360 1-Year CD and the Marcus by Goldman Sachs High-Yield CD?
On term, the Capital One 360 1-Year CD offers 12 months while the Marcus by Goldman Sachs High-Yield CD offers 3.70%. Review the full table above and confirm current terms with each provider. This is not financial advice.