Earn 3.40% APY + 1.00% APY

when you refer a friend!

Earn 3.40% APY + 1.00% APY

when you refer a friend!

Earn 3.40% APY

+ 1.00% APY when you refer a friend!

Open an Online Savings Account and refer a friend who’s new to Marcus—you both could earn an extra 1.00% APY for 3 months! Terms apply.

FDIC Logo

FDIC-Insured – Backed by the full faith and credit of the U.S. Government. Goldman Sachs Bank USA, Salt Lake City Branch.

FDIC Logo

FDIC-Insured – Backed by the full faith and credit of the U.S. Government. Goldman Sachs Bank USA, Salt Lake City Branch.

FDIC Logo

FDIC-Insured – Backed by the full faith and credit of the U.S. Government. Goldman Sachs Bank USA, Salt Lake City Branch.

Current APY: Annual Percentage Yield as of Date August 27, 2026. Standard APY may change at any time before or after account is opened. Maximum balance limits apply


Promotional Rate Increase: 3-month promotional APY increase of 1.00% is on top of the stated Online Savings Account APY available at marcus.com. After 3 months, the Online Savings Account will earn the then-current standard APY. If one referral is made in a year, and assuming the standard APY is unchanged for that year, the Online Savings Account would earn a combined APY of 3.65%. See full terms.

Savings products to help you grow your money

Online Savings Account

No minimum balance

3.40%

Annual Percentage Yield 

High-Yield CD

18 months

4.30%

Annual Percentage Yield 

No-Penalty CD

11 months

4.00%

Annual Percentage Yield 

Annual Percentage Yield (APY) as of August 27, 2026. APY may change at any time before or after account is opened. Maximum balance limits apply

Annual Percentage Yield (APY) as of August 27, 2026. APY may change at any time before CD is opened and funded. Penalties that may reduce CD earnings will apply to a withdrawal of principal prior to maturity. $500 minimum to open a CD and earn stated APY. Maximum balance limits apply

Annual Percentage Yield (APY) as of August 27, 2026. Maximum balance limits apply. APY may change before a No-Penalty CD is opened and funded. Withdrawal permitted starting seven days after the funding date. Must withdraw full balance. $500 minimum to earn stated APY for No-Penalty CD. 

Additional CD terms are available

Annual Percentage Yields (APY) as of August 27, 2026. Maximum balance limits applyOnline Savings Account: APY may change at any time before or after account is opened. High-Yield CD: APY may change at any time before CD is opened and funded. Penalties that may reduce CD earnings will apply to a withdrawal of principal prior to maturity. $500 minimum to open a CD and earn stated APY.  No-Penalty CD: APY may change at any time before a No-Penalty CD is opened and funded. Withdrawal permitted beginning seven days after the funding date. Must withdraw full balance. $500 minimum to earn stated APY for No-Penalty CD. 

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Security focused

At Marcus, we make it a priority to protect your privacy and safeguard your account information.

We’re here to help you make the most
of your money

Download the Marcus app today and keep your money at your fingertips.

Available in US only

We’re here to help you make the most of your money

Download the Marcus app today and keep your money at your fingertips.