Goldman Sachs Bank USA

FDIC-insured · certificate 33124

Savings and CDs, with every rate from Goldman Sachs Bank USA’s own pages and every rank against the accounts we track.

Checked Nov 1, 2026Updated Nov 1, 2026

Best savings rate: 3.50%APY · Goldman Sachs Online Savings Account
Best CD rate: 4.40%APY for 1 year

Every account we track

Accounts and rates

Savings

A year on $10,000, after fees

Goldman Sachs Online Savings AccountSavings account · no minimum to open3.50%$350None

High-Yield CD, by term

$500 to open

6 months3.95%#42 of 143

9 months4.30%—

1 year · Goldman Sachs Bank USA’s best4.40%#23 of 176

18 months4.40%#18 of 107

2 years4.40%#24 of 134

3 years4.40%#13 of 98

4 years4.40%—

5 years4.40%#22 of 98

6 years4.40%—

Cashing out early: up to 1 year, 90 days of interest; up to 5 years, 180 days of interest; over 5 years, 270 days of interest. A dash: a term we don’t rank. Also at Goldman Sachs Bank USA: Marcus High-Yield CD, up to 4.40%; No-Penalty CD, up to 4.00%; Rate Bump CD, up to 4.35%. All Goldman Sachs Bank USA CDs

Against the market

How Goldman Sachs Bank USA ranks

Where each ranked account sits on our list for its kind. Further right is higher on the list.

Goldman Sachs Online Savings AccountSavings account#26 of 270
High-Yield CD · 3 yearsCD#13 of 98
High-Yield CD · 1 yearCD#23 of 176
Marcus High-Yield CD · 1 yearCD#24 of 176
Marcus High-Yield CD · 3 yearsCD#15 of 98
High-Yield CD · 18 monthsCD#18 of 107
Marcus High-Yield CD · 18 monthsCD#19 of 107
High-Yield CD · 2 yearsCD#24 of 134

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.