High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
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Thread created 01-14-2024 by talals32
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Open to everyone or subject to membership qualifications?
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
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Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
Their app is extremely easy to use. I have a savings account with them also and I get 4.5% on that account. They seem to have some of the best rates all around.
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
Nice find!
If you are considering CD, remember they usually have a penalty for early withdrawal. I consider not as liquid as a savings account. So, if you might need the money before maturity, a...
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
ufb offers 5.25 on savings
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
High Yield Certificate of Deposit at 5.5% APY
This is one of the best rates around. There is an early withdrawal penalty but if you're planning on keeping your money in the CD, this is one of the...
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
This is better than brokered CDs, which isn’t common. Seems like a great CD. Any perks of banking w Marcus?
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
NASA FCU. 5.7% for 9 months
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
Just renewed with Synchrony at 5.5% apy for 15 months. It does have an early withdrawal penalty though.
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
no SPAXX is 100% taxable because it trades treasury repos in addition to treasuries themselves.
FDLXX is Fidelity's version for treasury only fund (for lower income investors, if you buy 1million...
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
Recent 2 reports showed that inflation is increasing again. They shouldn't be lowering rates until there has been 6+ months of inflation decreases. But it's an election year, so who knows.
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
So true.
My family had 3 accounts with them and it was a pain in the a$$ trying to get our money out. It had to be transferred out into the same account it came from. No less than 4 lengthy...
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
Open to everyone by meeting an easy anyone can do it qualification. Had a 9mo cd with them at 5.5 last year.
Credit Human (TX credit union) had a 17mo 6% cd recently as well.
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
A big drawback you can't access your online account outside the US. They even block VPNs
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
I currently use robinhood at 5% since it gives me the quick flexibility to withdrawl or invest in stocks anytime i want. Also any sold stocks go into interest. I know ppl hate rh but its worked...
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
If you are worried about early withdrawal, the 9-month CD with 5.3% APY may be better for you. Not only is it shorter, it is also subject to a considerably smaller early withdrawal penalty (90 days...
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
Agreed. Cash is king and so is liquidity. We are living in weird times. I’ll take the risk the rate drops on my 5.5% HYSA at Marcus (with referral bonus) and deal with finding somewhere else to put...
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
Worth locking up my money with my local CU for 18 months at 5.55%?
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
There could be a bonus that offers a better return, but there is no chance rates will go higher unfortunately, and they will likely be cut soon :(
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
What…SD is owned by GS?! Thanks, had no idea!
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
Not really worth tying up your money . Fidelity money market and others are paying around 5 to 5.25% and you can take your money out anytime.
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
Yeah that's the main consideration. If you can tolerate the illiquidity, you'll probably be better off if you lock in now before rates (likely) go down.
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
Nice I'm just gonna throw a million in there and quit my job
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
Agree i had same experience
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
Got 6.17 Apy at my local credit union for 12 months. I Put some cash in there.
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
There is none. But the Fed = a bunch of crooked bankers. Many big banks are sitting on massive paper losses when they bough long term treasuries before the rate hike.
Underperforming business...
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
Why is that?
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
They did the same thing to me. then they lied it was fixed , nope account was locked again , spent hours on the phone , they held my money hostage . Blocked Ach withdrawal twice and was a customer...
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
The issue is that the Fed mentioned a possible 4x cut in 2024 and money markets, savings, treasury bills, and CDs rates will fall on that news. (in fact many rates have already started to move over...
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
Those rates can increase at any time, so the 12-month holding period might not be worth it in some cases.
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
The worst bank/institution I have ever worked with. No issues when depositing money but whenever I try to transfer a portion of my money to another account under my name. My account keep getting...
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
Many banks, credit unions, and brokerages are offering 5%+ interest now with no with early withdrawal fee.
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
It's great until you want to take your money out... They will make you work.
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
Actually it is fairly easy with the app, I also have a savings account with them and I'm linked to my bofa account, I move money around all the time quickly
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
I agree with the 5% but I'm not seeing very many at 5.5% or higher
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
T-Bills are still mostly over 5%, and closer to or over 6% if you live in a high tax state (no state tax on T-bills), and are pretty much liquid.
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
This could be considered spam, since SD is owned by Goldman Sachs.
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
Those rates can drop at any time, so the 12-month guarantee might be worth it in some cases
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
I have another Marcus 10 month CD @ 5.05% that matures shortly. Perhaps I'll roll it over.
High Yield CD - Marcus by Goldman Sachs 5.5% APY 12 month CD
Expired
Thread created 01-14-2024 by talals32
+22 Score
56 Replies
24,731 Views
Yeah, 180 days of interest, so money is pretty much locked in for me as well. Not complaining at 5.5% interrst though.
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