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14M CD Promo | Marcus by Goldman Sachs®

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Marcus had a pretty decent rate for a 14M CD at 4.4% APY.
they have a variety of products and a HYSA which is at 3.75% apy right now and can usually get a .25% bonus for 3 months if a friend invites you.

https://www.marcus.com/us/en/savi...-cds/14MCD
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14M CD Promo | Marcus by Goldman Sachs®
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Created 05-02-2025 at 03:31 PM by Teslo
in Finance Marcus - Bank Advertiser
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George_P_Burdell
05-02-2025 at 03:45 PM.
05-02-2025 at 03:45 PM.
rates would go up till trade war settles let you'll know
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Joined Nov 2007
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skyfx
05-02-2025 at 04:33 PM.
05-02-2025 at 04:33 PM.
The HYSA shows 3.75% APY for me, not 4.75%. Am I missing something?
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Joined Dec 2009
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rdcrds
05-02-2025 at 05:12 PM.
05-02-2025 at 05:12 PM.
this is old news and been posted in a few different ways and talked about
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rdcrds
05-02-2025 at 05:17 PM.
05-02-2025 at 05:17 PM.
Quote from George_P_Burdell :
rates would go up till trade war settles let you'll know
rates are not going up this year and this rate is is only good till the end of may

In fact rates this year yet will drop about a point or .75
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WolfTheCat
05-02-2025 at 05:53 PM.
05-02-2025 at 05:53 PM.
I'd say 4.4% is good if you care about the backing of a big bank like GS, but not the best deal out there right now.

Some comparisons:
  • My local credit union (Everwise) is offering 4.75% for 13mo CD (Everwise CD specials are usually good)
  • Best national bank deal I can find is Eagle Bank at 4.55% for a year or Stock Yards at 4.50% for 15mo. SYB also has a 13mo no-penalty CD at 4.25% if you want a rate lock and still have the ability to get out early.
  • US STRIPS maturing in August of 2026 (15 mos out) are yielding about 3.6-3.7% on the secondary markets. So, treasuries are way behind, but not subject to state tax. This might make sense if you are in a state with a huge (over 10%) income tax, like California, Hawaii, New York, New Jersey, or Washington D.C.
  • Comparable brokered CDs are paying a hair over 4%.
  • Investment-grade corporate bonds are paying about 4-4.3%, without FDIC insurance.

I do not compare CDs to savings accounts because they are very different products and not usually good substitutes for each other.
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Last edited by WolfTheCat May 2, 2025 at 06:13 PM.
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rdcrds
05-03-2025 at 12:13 AM.
05-03-2025 at 12:13 AM.
I am still debating on leaving most of my money in a 4.40 % high apy savings account of put it in a longer CD

It is a tuff call to know when the fed will have to lower rates due to trump
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WolfTheCat
05-03-2025 at 03:26 AM.
05-03-2025 at 03:26 AM.
Quote from rdcrds :
rates are not going up this year and this rate is is only good till the end of may In fact rates this year yet will drop about a point or .75
Quote from rdcrds :
It is a tuff call to know when the fed will have to lower rates due to trump
I wouldn't say rates will go up or down. I can see it going either way right now - pretty uncertain.
  • If the economy tanks, rates may go down.
  • If tariffs cause rampant inflation, rates may go up.
  • If neither happens, rates will probably go down slowly.
  • If both happen, who the $#*k knows.

If either happen, Trump has very effectively set up Jerome Powell as the one he is going to blame for it.

If you know, invest in the futures markets and don't dink around with low-yield super-safe investments like CDs and HYSAs.
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Last edited by WolfTheCat May 3, 2025 at 03:38 AM.
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