Marcus Online Savings Account
A pure savings product from Goldman Sachs, available exclusively online.
APY
3.65%
LiveEditor rating
4.5 / 5
Insurance
FDIC
Cert #33124
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APY history
1 snapshot| Date | APY | Change |
|---|---|---|
| 2026-04-06 | 3.65% | — |
Editor's Verdict
Marcus is the conservative choice. It does not have the absolute highest APY on the market, but it is consistently within the top tier and is backed by one of the most established financial institutions in the world. For savers who prioritize stability over chasing rates, this is our recommended option.
By HYSA Compare Editorial Team · APY verified on 2026-04-06T22:53:50.566Z
Pros
- + Backed by Goldman Sachs
- + No fees, no minimums
- + Strong app and customer service reputation
Cons
- − No ATM access — savings only
- − Slower transfer times than some competitors
What you'd earn at Marcus by Goldman Sachs
Plug in your numbers. We'll show you how much interest you earn at today's rate.
Total contributed
$25,000
Interest earned
$3,367
Final balance
$28,367
Year-by-year breakdown
| Year | Contributed | Balance | Interest |
|---|---|---|---|
| 1 | $13,000 | $13,415 | $415 |
| 2 | $16,000 | $16,954 | $954 |
| 3 | $19,000 | $20,623 | $1,623 |
| 4 | $22,000 | $24,426 | $2,426 |
| 5 | $25,000 | $28,367 | $3,367 |
Assumes monthly compounding and a constant APY. Actual results vary as APYs change. Not financial advice.
Account details
- Institution type
- BANK
- Minimum opening deposit
- $0
- Min. balance to earn APY
- $0
- Monthly fee
- $0.00
- Compounding
- daily
- ATM access
- No
- Check writing
- No
- Mobile app
- Yes