Marcus by Goldman Sachs Rates —
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Marcus by Goldman Sachs is the online consumer-banking brand of Goldman Sachs, and one of the institutions we track for YourBestSavings. It keeps things deliberately simple — no monthly fees, low or no minimums — with an Online Savings account and an unusually broad certificate lineup. Below is every Marcus account we monitor, ranked by the ByTheMath score and verified daily against Marcus’s published rates. We rank by the math; no institution pays to appear or move up.
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What stands out at Marcus
Marcus charges no monthly fees and needs nothing to open its savings account. Its real depth is in CDs ($500 minimum): alongside standard terms out to six years, it offers several No-Penalty CDs (7, 11, and 13 months) and a 20-month Rate Bump CD that lets you raise your rate once during the term if Marcus’s rate rises. One thing to know — Marcus is savings-and-CD only: there is no checking account, debit card, or ATM access, so it works best alongside a checking account you keep elsewhere.
How we rank these accounts
Every account is scored by the ByTheMath method — APY weighted most heavily, then accessibility and flexibility — and grouped by type below, best first. Effective APY reflects the rate you would actually earn after any balance caps or conditions, which is why a capped or conditional rate does not automatically outrank a straightforward one. No commission ever changes the order; see our affiliate disclosure and methodology.
Fees, access & insurance
Marcus deposits are held at Goldman Sachs Bank USA, a member FDIC bank, and are insured up to $250,000 per depositor, per ownership category. Accounts are managed entirely online through the Marcus website and app. There are no branches and no ATM network, since Marcus does not offer checking. Use the insurance calculator to confirm coverage across accounts.
Marcus is the online consumer-banking brand of Goldman Sachs; deposits are held at Goldman Sachs Bank USA, which is a member FDIC bank.
No. Marcus is savings-and-CD only — there is no checking account, debit card, or ATM access. Many savers pair it with a checking account at another bank.
Marcus’s 20-month Rate Bump CD lets you request a one-time rate increase during the term if Marcus raises the rate on that CD — useful if rates climb after you open it.
Daily. Each account shows the date its APY was last verified against Marcus’s own rate page. Promotional CD rates in particular can change without notice, so we re-check every day.
See where its accounts land against the whole market on our high-yield savings, CD rate, and money market rankings.