Ally Bank vs. Marcus by Goldman Sachs
Ally Bank's Savings Account offers 3.20% APY while Marcus Online Savings Account advertises 3.50% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
On a $10,000 balance, Marcus by Goldman Sachs's Marcus Online Savings Account earns about $30 more in a year than Ally Bank's Savings Account: $350 against $320.
Choose Ally Bank if you want Zelle for quick transfers. Choose Marcus by Goldman Sachs if getting the best rate matters most.
| Metric | Ally BankSavings Account Nov 3, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Nov 3, 2026 |
|---|---|---|
| APY | 3.20% | 3.50% |
Earns in a year | $5,000+$160 $10,000+$320 $25,000+$800 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min. Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate |
Market Reality Check
Both of these institutions pay less on $10,000 than the 10 highest-paying savings accounts we track that are open nationwide. Each of those earns at least $415 a year on $10,000.
Comparison Analysis
Comparing Ally Bank vs. Marcus by Goldman Sachs
Executive Summary
Following the Fed's hike on September 16, 2026, Ally Bank moved its rate after 9 days, while Marcus by Goldman Sachs reacted in just 2 days. Ally Bank paid 3.03% on average on savings and money market deposits. Its savings account offers 3.2%. In contrast, Marcus by Goldman Sachs paid 3.6% on average on savings and money market deposits. Its savings account offers 3.5%. Since at least January 21, 2026, Marcus has led with a rate gap of 30 basis points at a comparison balance of $10,000.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Ally Bank?
- Fast transfers via Zelle® (up to $5,000 a day)
Why Marcus by Goldman Sachs?
- Higher potential APY (3.50% vs 3.20%) on all balances
- Higher rated Android app (4.9 vs 4.4)
Key Feature Differences
Better Returns at $10,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account earns more on smaller deposits (approx. $350 vs $320/yr).
Better Returns at $25,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $875 vs $800/yr).
Better for Simplicity
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account offers 3.50% APY with no bundling, direct deposit requirement or caps.
Better Mobile App Experience
Marcus by Goldman SachsMarcus by Goldman Sachs offers an iOS app rated 4.9 (vs. 4.6) and Android app rated 4.9 (vs. 4.4)
Shared Benefits
Over a 1-year period, Marcus by Goldman Sachs's Marcus Online Savings Account pays $30 more interest on a $10,000 balance than Ally Bank's Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Ally Bank vs. Marcus by Goldman Sachs Savings Calculator
You earn $30 more with Marcus by Goldman Sachs than Ally Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Ally Bank
Savings Account
Savings Breakdown
- Interest Earned+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still at a large branch bank?
A typical branch-bank savings rate is 0.05% APY. On a $10,000 balance, the gap to these two banks is at least $315 a year in interest.
Both Ally Bank and Marcus by Goldman Sachs advertise far more than that typical branch-bank rate.
| Feature | Ally Bank | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.20% Observed: 11/3/2026 0.20%90-day change | 3.50% Observed: 11/3/2026 0.10%90-day change |
| Product Name | Savings Account | Marcus Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branches | None | None |
| Physical Branches | None that serve this account | None that serve this account |
| Direct Deposit Req. | None | None |
| Linked Account | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $5,000/dayBenchmark for online Zelle; high limits. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Ally Bank Non-sponsored link to official site | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site |
What each bank pays on deposits
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
Ally Bank
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Ally Bank paid a higher average rate on savings and money market deposits than 94% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
Each figure is that bank's own charter-level average across its whole deposit book, so the two are shown one after the other and are not a ranking.
Marcus by Goldman Sachs
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Goldman Sachs Bank USA paid a higher average rate on savings and money market deposits than 99% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
CD rates, term by term
Ally Bank lists CDs on Banksparency at 3, 6, 9, 11, 12, 18, 36 and 60 months. Marcus by Goldman Sachs lists CDs at 6, 7, 9, 11, 12, 13, 18, 20, 24, 36, 48, 60 and 72 months. Each row below is one term, with the best rate each bank advertises for it.
| Term | Ally Bank APY | Marcus by Goldman Sachs APY | FDIC average (Oct 2026) |
|---|---|---|---|
| 12 months | 4.50% APYNo minimum | 4.40% APY$500 minimum | 1.76% |
| 3 months | 2.90% APYNo minimum | Not listed here | 1.14% |
| 6 months | 4.00% APYNo minimum | 3.95% APY$500 minimum | 1.39% |
| 7 months | Not listed here | 3.75% APY$500 minimum | 1.39%6-month average |
| 9 months | 4.15% APYNo minimum | 4.30% APY$500 minimum | |
| 11 months | 2.90% APYNo minimum | 4.00% APY$500 minimum | 1.76%12-month average |
| 13 months | Not listed here | 3.80% APY$500 minimum | 1.76%12-month average |
| 18 months | 4.50% APYNo minimum | 4.40% APY$500 minimum | |
| 20 months | Not listed here | 4.35% APY$500 minimum | |
| 24 months | Not listed here | 4.40% APY$500 minimum | 1.55% |
| 36 months | 4.25% APYNo minimum | 4.40% APY$500 minimum | 1.39% |
| 48 months | Not listed here | 4.40% APY$500 minimum | 1.31% |
| 60 months | 4.50% APYNo minimum | 4.40% APY$500 minimum | 1.41% |
| 72 months | Not listed here | 4.40% APY$500 minimum |
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
Money market accounts
A money market account holds a savings balance and adds check or debit card access. The figure each bank advertises is its highest APY across every active tier, so the sentence under it says which balance earns that rate.
Ally Bank
Money Market Account
3.20% APY
No minimum. As observed Nov 3, 2026.
Marcus by Goldman Sachs
No money market account listed here.
The FDIC national money market average was 0.63% in Oct 2026.
Compare Savings Rates Over Time
Historical Performance
| Metric | Ally Bank | Marcus by Goldman Sachs |
|---|---|---|
| Savings Account | Marcus Online Savings Account | |
Current APY | 3.20% | 3.50% |
Trend | Stable | Stable |
Speed of change | -0.02 | -0.02 |
Days Since Change | 11 | 46 |
12-Month High | 3.30% | 3.65% |
12-Month Low | 3.00% | 3.40% |
Changes per month | 0.41 | 0.25 |
Steadiness | 0.014 | 0.011 |
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