Boost your savings with a Marcus Online Savings Account

0.50% APY

Online Savings Account
Annual Percentage Yield

  • Earn a rate that's 4x the national average
  • Backed by the financial expertise of Goldman Sachs.
  • No Fees. No Minimum Deposit.
  • Same-day transfers of $100,000 or less to/from other banks
  • Contact Center available 7 days/week
member-FDIC

All loans and savings deposit products provided by Goldman Sachs Bank USA.

Marcus will process transfers of $100,000 or less made through Marcus by 12 pm ET on a business day, by 5 pm ET that day.  For outgoing transfers, check with your external bank regarding availability of funds sent by Marcus. For incoming transfers, you’ll start earning interest on the transfer amount the day your request is received. All transfers are subject to conditions that may delay funds, such as transfers made in connection with an account closing.

Annual Percentage Yield as of Date December 07, 2021. APY may change at any time before or after account is opened. Maximum balance limits apply.

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 this 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 October 5, 2021. 

Boost your savings with a Marcus Online Savings Account

0.50% APY

Online Savings Account
Annual Percentage Yield

  • Earn a rate that's 4x the national average tablet
  • Backed by the financial expertise of Goldman Sachs.
  • No Fees. No Minimum Deposit.
  • Same-day transfers of $100,000 or less to/from other banks
  • Contact Center available 7 days/week
member-FDIC

All loans and savings deposit products provided by Goldman Sachs Bank USA.

Marcus will process transfers of $100,000 or less made through Marcus by 12 pm ET on a business day, by 5 pm ET that day.  For outgoing transfers, check with your external bank regarding availability of funds sent by Marcus. For incoming transfers, you’ll start earning interest on the transfer amount the day your request is received. All transfers are subject to conditions that may delay funds, such as transfers made in connection with an account closing.

Annual Percentage Yield as of Date December 07, 2021. APY may change at any time before or after account is opened. Maximum balance limits apply.

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 this 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 7. 

Boost your savings with a Marcus Online Savings Account

0.50% APY

Online Savings Account
Annual Percentage Yield  

  • Earn a rate that's 4x the national average
  • Backed by the financial expertise of Goldman Sachs.
  • No Fees. No Minimum Deposit.
  • Same-day transfers of $100,000 or less to/from other banks
  • Contact Center available 7 days/week

54,000+ 5-Star App Ratings

member-FDIC

All loans and savings deposit products provided by Goldman Sachs Bank USA.

Marcus will process transfers of $100,000 or less made through Marcus by 12 pm ET on a business day, by 5 pm ET that day.  For outgoing transfers, check with your external bank regarding availability of funds sent by Marcus. For incoming transfers, you’ll start earning interest on the transfer amount the day your request is received. All transfers are subject to conditions that may delay funds, such as transfers made in connection with an account closing.

Annual Percentage Yield as of Date December 07, 2021. APY may change at any time before or after account is opened. Maximum balance limits apply.

Boost your savings with a Marcus Online Savings Account

  • Earn a rate that's 4x the national average tablet
  • Backed by the financial expertise of Goldman Sachs.
  • No Fees. No Minimum Deposit.
  • Same-day transfers of $100,000 or less to/from other banks
  • Contact Center available 7 days/week

0.50% APY

Online Savings Account
Annual Percentage Yield

member_fdic

All loans and savings deposit products provided by Goldman Sachs Bank USA.

Marcus will complete transfers of $100,000 or less made through Marcus by 12 pm ET on a business day, by 5 pm ET that day. For outgoing transfers, check with your external bank regarding availability of funds sent by Marcus. For incoming transfers, Marcus will post funds to your account and you’ll start earning interest on the day they’re received, but those funds will remain subject to Marcus’ funds availability rules.

Annual Percentage Yield as of Date December 07, 2021. APY may change at any time before or after account is opened. Maximum balance limits apply.

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 this 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 7. 

Try our calculator to see how much interest you could earn with a Marcus Online Savings Account vs. other banks

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 high yield savings accounts with a minimum balance of at least $2,500 offered by the top 50 US banks (ranked by total deposits). Rates of selected banks and the National Average as reported by Informa Financial Intelligence, www.informars.com. Informa 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 December 07, 2021.
Comparison banks’ rates as of December 07, 2021.
National Average rate effective as of December 07, 2021.

 

How the Marcus Online Savings Account works

Open an account in minutes

Complete the application and open your account online or in the Marcus app. We don’t require a minimum deposit or a credit check.

Link accounts and add money

Link your checking or savings accounts at other banks and transfer money into your Marcus savings account. You’ll start earning interest the day your transfer is initiated.

Get access to your money when you need it

Transferring money back to your checking account is easy: Same-day transfers are available and you can schedule transfers online, in the Marcus app or by phone.

How the Marcus Online Savings Account works

Open an account in minutes

Complete the application and open your account online or in the Marcus app. We don’t require a minimum deposit or a credit check.

Link accounts and add money

Link your checking or savings accounts at other banks and transfer money into your Marcus savings account. You’ll start earning interest the day your transfer is initiated.

Transfer your money when you need it

Transferring money back to your checking account is easy: Same-day transfers are available and you can schedule transfers online, in the Marcus app or by phone.

How the Marcus Online Savings Account works

Open an account in minutes

Complete the application and open your account online or in the Marcus app. We don’t require a minimum deposit or a credit check.

Link accounts and add money

Link your checking or savings accounts at other banks and transfer money into your Marcus savings account. You’ll start earning interest the day your transfer is initiated.

Transfer your money when you need it

Transferring money back to your checking account is easy: Same-day transfers are available and you can schedule transfers online, in the Marcus app or by phone.

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 Savings Accounts - 2021

“Goldman Sachs is one of the most well-known names in banking, and its consumer division Marcus offers a user-friendly, no-fee, high-interest savings account.”
Read more on GOBankingRates

See what our customers are saying about our Online Savings Account

Get fast, easy mobile access with the Marcus app

 

  • Schedule transfers into and out of your accounts
  • Review recent transactions and track your transfers
  • See how much interest you’ve earned this year
  • Use Marcus Insights’ tools and trackers to help you see your money clearly and make strategic decisions
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Have questions? We have answers.

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 ET and Saturday to Sunday from 9 am – 7 pm ET