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Marcus by Goldman Sachs

Marcus Online Savings

No monthly feeNo direct deposit

5.00%

Ranked #5 nationally

-15 bps 30d

90-Day APY Trend

● Yellow dots = rate change events. 1 change in last 30 days.

Rate Health Score

Rate Health77/100
APY 29/40Stable 18/30No promo +20No fee +10

This score weighs more than just APY — it rewards stable non-promotional rates with no fees. A promo rate that vanishes in 90 days scores lower than a steady rate you can count on.

Details

Product type
HYSA
Minimum balance
None
Minimum to open
$1.00
Monthly fee
None
Direct deposit required
No
Available nationwide
Yes
Promo expires
Visit Marcus by Goldman Sachs

Earnings calculator

If I deposit
$
at 5.00%

Monthly earnings

$104.17

Annual earnings

$1,250.00

In other words, that's roughly:

6.7× Netflix/yr9.5× Spotify/yr19× coffee runs/yr
See how this compares to other banks →

Simple annual estimate. Actual earnings depend on compounding frequency and rate changes.

Not financial advice. Rate data is for informational purposes only. Verify with the institution before making decisions.