Marcus Rate Changes as of 7-8-2025

RichardW | Jul 8, 2025 | 830 posts since 2019

Marcus raises the rates of 6 CDs.

Marcus rates (APY) as of 7-8-2025 include:

Online Savings Account @ 3.65% (no change)

6-month @ 4.25% (was 4.20%)

7-month No-Penalty @ 4.15% (was 4.00%)

9-month @ 4.20% (no change)

11-month No-Penalty @ 3.90% (no change)

12-month @ 4.10% (no change)

13-month No-Penalty @ 4.00% (was 3.90%)

14-month @ 4.25% (no change)

18-month @ 4.00% (no change)

2-year @ 3.95% (no change)

3-year @ 3.90% (no change)

4-year @ 3.85% (was 3.75%)

5-year @ 3.90% (was 3.75%)

6-year @ 3.90% (was 3.75%)

For more information regarding all Marcus products see:

https://www.marcus.com/us/en/savings/high-yield-savings

https://www.marcus.com/us/en/savings/high-yield-cds

https://www.marcus.com/us/en/savings/no-penalty-cds

https://www.marcus.com/us/en/savings/ratebumpcd

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RichardW | Jul 8, 2025 | 830 posts since 2019

The par yields of several Treasuries as of 7/7/2025 are listed below. If you are currently considering the purchase of a CD, you may wish to consider a Treasury instead. Treasuries are exempt from state and local income taxes.

1-month: 4.37%
1.5-month: 4.43%
2-month: 4.45%
3-month: 4.42%
4-month: 4.41%
6-month: 4.33%
1-year: 4.08%
2-year: 3.90%
3-year: 3.85%
5-year: 3.96%
7-year: 4.16%
10-year: 4.40%

https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treas...

RichardW | Jul 8, 2025 | 830 posts since 2019

Ken Tumin comments on X that if you have a savings account at Marcus, their No Penalty CDs can be utilized to increase your cash yield without losing liquidity. Ken writes today on X: “No Penalty CD rates have fallen since the first Fed rate cut, but they can still be useful as the following thread explains. Marcus just increased its NP CD APYs: 7mo: 4.00% to 4.15% & 13mo: 3.90% to 4.00%. Those are 50 & 35 bps above Marcus’s HYSA APY.”

To view Ken’s thread on X see:

https://x.com/KenTumin/status/1942579879041528121

Amazonkers | Jul 10, 2025 | 26 posts since 2019

Thanks. In a few clicks was able to close & open the new No Penalty CD with the higher rate.

Would have been even quicker had I seen the + symbol on the home page.

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