September 2026 Consumer Dashboard
Here are the latest insights from Goldman Sachs Research on the financial health of the US consumer.
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What to Know About Our
Online Savings Account Rate
Unlike traditional savings accounts, our Online Savings Account has a rate that’s 8X the National Average. At Marcus, we strive to offer you highly competitive rates and long-term value to help you reach your savings goals.
Unlike traditional savings accounts, our Online Savings Account has a rate that’s 8X the National Average. At Marcus, we strive to offer you highly competitive rates and long-term value to help you reach your savings goals.
3.50% APY
Online Savings Account
Annual Percentage Yield
Annual Percentage Yield as of November 10, 2026. APY may change at any time before or after account is opened. Maximum balance limits apply.
The national average rate referenced is from the FDIC's published National Rates and Rate Caps for Savings deposit products, accurate as of October 19, 2026. See the FDIC website for more information.
Federal Funds Rate:
What It Means for Your Savings
- The federal funds rate can influence interest rates that banks offer across various deposit accounts.
- At the October FOMC meeting, the Federal Reserve left the fed funds rate unchanged at 3.75%–4.00%.
- Goldman Sachs Research continues to expect a second hike in December. A third hike in March is also possible if inflation comes in higher than expected.
Backed by the financial expertise of Goldman Sachs, Marcus was created to help people achieve financial well-being.
Macro Insights
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Savings Interest Calculator
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Annual Percentage Yield (APY) as of November 10, 2026. APY may change at any time before or after account is opened. Maximum balance limits apply.
This calculator is for illustrative purposes only and may not apply to your individual circumstances. Calculated values assume that principal and interest remain on deposit and are rounded to the nearest dollar. All APYs are subject to change.
Annual Percentage Yield (APY) as of November 10, 2026. APY may change at any time before or after account is opened. Maximum balance limits apply.
This calculator is for illustrative purposes only and may not apply to your individual circumstances. Calculated values assume that principal and interest remain on deposit and are rounded to the nearest dollar. All APYs are subject to change.
Rates of the selected banks reflect New York savings rates for similar products at the select banks with a minimum balance of $2,500. Rates may vary by state and do not account for bonus, special or promotional APYs. National Average is based on the APY average for savings accounts with a minimum balance of at least $2,500 as reflected in the FDIC’s published National Rates and Rate Caps for Savings deposit products, accurate as of October 19, 2026. See the FDIC website for more information. Rates of selected banks as reported by Curinos, www.curinos.com. Curinos has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed. This calculator does not include all savings accounts available in the marketplace.
Our rate as of November 10, 2026.
Comparison banks’ rates as of November 10, 2026.
National Average rate effective as of October 19, 2026.
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