High-yield savings backed by over 150 years of financial expertise

Goldman Sachs designed Marcus with high-yield accounts to help you make the most of your money, unlike typical banks with savings accounts that pay next to nothing. AARP members can receive special offers on our Online Savings Account and No-Penalty CD.  See below for details. Download our Savings Product Guide for AARP members

Quick links to AARP:

Marcus is on your side with products to help you grow your savings

Online Savings Account

Rate Bonus for AARP Members
AARP members can earn a rate that’s .10% higher than the stated available APY at www.marcus.com for 24 months. Full offer details

8-Month No-Penalty CD

Exclusive for AARP Members
Lock in a fixed rate for a guaranteed return. Can withdraw balance, including interest, beginning 7 days after funding—with no penalty. Special term for AARP members.

Guaranteed return assumes funds are held through end of the term.

Online Savings Account

Grow your savings in a high-yield account with convenient online access. FDIC insured. Learn about our rate bonus for AARP members.

What is the Marcus high-yield Online Savings Account?

Earn a rate that’s 4x national
average

Earn a rate that’s 4x national average

Easy online transfers

Security you can trust

We don’t have an extensive network of branches. That’s one reason we can offer such a great rate.

Make online deposits and withdrawals via ACH or wire transfer. (Marcus doesn’t charge any transfer fees.)

Rest easy knowing your accounts are FDIC-insured.

Earn a rate that’s 4x national average

We don’t have an extensive network of branches. That’s one reason we can offer such a great rate.

Easy online transfers

Make online deposits and withdrawals via ACH or wire transfer. (Marcus doesn’t charge any transfer fees.)

Security you can trust

Rest easy knowing your accounts are FDIC-insured.

The National Average is based on the APY average for high-yield savings accounts with a minimum balance of at least $2,500 offered by the top 50 US banks (ranked by total deposits) as reported by Informa Financial Intelligence, www.informars.com. Informa has obtained the data from various financial institutions that it tracks and its accuracy cannot be guaranteed. All APYs are subject to change. National Average rate effective as of July 6, 2021. Our rate for purposes of this comparison as of July 6, 2021.

Why save with Marcus?

  • Competitive rates.
  • Contact Center available 7 days a week. We're here to help if you need us.
  • Save with confidence. Marcus is backed by the financial expertise of Goldman Sachs.

How it works

step1

Open an account

You can do it online or by phone. You'll need your AARP membership number to take advantage of special offers for AARP members.
step2

Manage your account online or with our app

Check your balance, track transfers and more.
step3

Watch your money grow

Interest compounds daily and posts monthly.

See what our customers are saying about our Online Savings Account

  

Rate Bonus for AARP Members
Offer Terms

Upon enrollment in this offer, your Marcus Online Savings Accounts will earn an Annual Percentage Yield (APY) that is .10% higher (the “APY Bonus”) than the stated APY available at www.marcus.com for a period of 24 months, beginning on the date of enrollment (the “Promotional Period”). Online Savings Accounts that you open following enrollment in this offer will automatically receive the APY Bonus through the end of the Promotional Period. Upon expiration of the Promotional Period, the APY on all of your Online Savings Accounts will automatically revert to the stated APY available at www.marcus.com.  The APY on the Marcus Online Savings Account is 0.50% as of October 18, 2021. APY may change at any time, before or after an account is opened.

Must be an active AARP member to participate in this offer and offer is limited to one per customer. This offer may be combined with other promotional offers available to the general public, but cannot be combined with promotional offers made available through other Marcus by Goldman Sachs partners. Upon enrollment, the APY Bonus will be applied to jointly owned accounts that are not already earning the APY Bonus.  

We reserve the right to modify or revoke this offer at any time without notice.  If we determine that you have engaged in or plan to engage in abuse or gaming in connection with this offer, you will not be eligible for this offer. 

 

Marcus by Goldman Sachs (“Marcus”) is a third-party that offers financial products to consumers. Marcus pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. Marcus loans and deposit products are provided by Goldman Sachs Bank USA, Member FDIC. Not all applicants will qualify for all Marcus products. Terms are subject to change and may have restrictions and limitations. Approval and eligibility criteria is determined solely by Marcus by Goldman Sachs. Please contact Marcus directly for questions relating to Marcus products.