Earn 4.50% Apy with Marcus by Goldman Sachs

Annual Percentage Yield as of November 04, 2026. APY may change at any time before or after account is opened. Maximum balance limits apply. 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 3.75%. See full terms.

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

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 November 04, 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.

Click “Accept Invitation” above to open a Marcus Online Savings Account.

Once you successfully open an Online Savings Account, you and your friend will both earn an extra 1.00% APY for 3 months (on accounts on which you’re the primary owner).

Pay it forward and share your own unique referral link with up to 5 friends for rate boosts.

Annual Percentage Yield (APY) as of November 04, 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 04, 2026. Comparison banks’ rates as of November 03, 2026. National Average rate effective as of October 19, 2026.

The 1.00% APY referral rate boost is a promotional rate increase for a period of 3 months, which will be included in “Interest Paid” as well as “Annual Percentage Yield Earned” on your monthly statement.

Only Online Savings Accounts on which you’re the primary owner can earn a referral rate boost.

For existing customers, if the successful referral is made before 9:30 pm ET, you’ll begin earning your rate boost the same day. If the successful referral is made at or after 9:30 pm ET, you’ll begin earning your rate boost the next day.