The Marcus 1% Cash Bonus is no longer available, but you can still earn at our great rate!

The high-yield Online Savings Account you deserve

Our award-winning savings account provides a high yield that’s 4X the National Average (try our Calculator), is easy to set up and offers convenient 24/7 account access – all backed by the financial expertise of Goldman Sachs.


  • No fees and no minimum deposit
  • Link other bank accounts for incoming and outgoing transfers
  • US-based Contact Center open 7 days a week
  • FDIC insured

Compare our rates


Annual Percentage Yield (APY) as of October 21, 2019. APY may change at any time before or after account is opened. Maximum balance limits apply. A maximum of six (6) withdrawals or transfers per monthly statement period are allowed.


Our rates as of October 21, 2019
Comparison banks' rates as of October 15, 2019


The comparison is limited to the largest US banks and does not include rates of other online banks. Rates of the selected banks were obtained from Informa Research Services,, and reflect New York high yield savings rates for similar products offered at the select banks with a minimum balance of at least $2,500. Informa has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.

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 Research Services, 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 August 27, 2019. Our rate for purposes of this comparison as of August 27, 2019.

How to open an account

It only takes a few minutes to start saving for your future

Click Open Now

Begin our secure (and fast) account opening process

Enter your information

Including your name, address, date of birth and Social Security Number

Transfer funds

Link to your account at another bank


See what others are saying

Best Banks for Savings - 2019

"Marcus' high-rate savings account is a terrific option for parking your emergency fund and earning top interest."
Read more on Nerdwallet

Best Banks - 2019

"A reputable name, no fees, and one of the highest savings account APYs make Marcus by Goldman Sachs a top choice for online savings."
Read more on GOBankingRates

With our award-winning Online Savings Account, your financial future starts now

No minimum deposit to open

A little flexibility means there's no reason to wait

No fees

Why pay to save your own money?

Security you can trust

We know how to keep your money safe

Got questions?

Get answers and information about growing your savings at Marcus.

We’re here to help

Savings Specialists are available Monday to Friday from 8 am – 10 pm E.T. and Saturday to Sunday from 9 am – 7 pm E.T.