CDs (certificates of deposit) in the US
A CD locks your money for a fixed term (e.g. 12 months) at a fixed APY. It has the same FDIC protection as savings at an insured bank, but early withdrawal usually costs a penalty.
Comparison
| Product | Rate / return | Cost | Conditions | Promo end | Protection | Risk | Verified | Link |
|---|---|---|---|---|---|---|---|---|
| Marcus by Goldman Sachs – 12-month CD | 4.40% APY (as of Oct 16, 2026) | pending verification | Early withdrawal penalty applies (see official terms). | n/a | FDIC up to $250,000 per depositor, per bank, per ownership category | low FDIC-insured bank | ✅ official source for Marcus by Goldman Sachs – 12-month CD | |
| Ally Bank – High Yield CD | pending verification | pending verification | Check terms and penalty on the official page. | n/a | FDIC up to $250,000 per depositor, per bank, per ownership category | low FDIC-insured bank | ⏳ pending verification official source for Ally Bank – High Yield CD |
Order: as collected, not a sponsored ranking. "Pending verification" values could not be confirmed on the official website and must not be used to decide. Sources: "official source" link in each row · how we read protection.
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Frequently asked questions
CD or Treasury bill?
T-bills are backed by the US government and interest is exempt from state and local income tax; CDs are FDIC-insured up to the limit. Compare the official yields.
Can I withdraw early?
Usually only with a penalty. Check the official terms before opening.