Chase Bank vs. Marcus by Goldman Sachs
Comparing Chase Bank and Marcus by Goldman Sachs for savings: Chase Bank's Chase Savings℠ pays 0.01% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.50% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Marcus by Goldman Sachs pays $349 more than Chase Bank annually ($350 vs $1).
Choose Chase Bank if you value in-person banking, or you want Zelle for quick transfers. Choose Marcus by Goldman Sachs if getting the best rate matters most.
| Metric | Chase BankChase Savings℠ Apr 21, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Apr 21, 2026 |
|---|---|---|
| APY | 0.01% | 3.50% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.07% APY.
Comparison Analysis
Comparing Chase Bank vs. Marcus by Goldman Sachs
Executive Summary
Marcus by Goldman Sachs offers a significantly higher APY of 3.50% on its Marcus Online Savings Account, making it a clear winner compared to Chase Bank's Chase Savings℠, which has an APY of only 0.01%. The Marcus account is online-only and does not require a checking account or direct deposit, providing a simple and accessible savings option with no maintenance fees. In contrast, Chase's account incurs a $5 monthly maintenance fee unless certain conditions are met. Overall, for those seeking higher returns, Marcus by Goldman Sachs is the preferable choice.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Chase Bank?
- ✓Physical branch access (Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii.)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.50% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
— 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 $1/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 $3/yr).
Best 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.
Shared Benefits
Over a 1-year period, Marcus by Goldman Sachs's Marcus Online Savings Account pays $349 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
*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
Chase Bank vs. Marcus by Goldman Sachs Savings Calculator
You earn $349 more with Marcus by Goldman Sachs than Chase 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.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
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.
| Feature | Chase Bank | Marcus by Goldman Sachs |
|---|---|---|
| APY | 0.01% Verified: 4/21/2026 Stable (90d) | 3.50% Verified: 4/21/2026 ↘︎ 0.15%90d Change |
| Product Name | Chase Savings℠ | Marcus Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $5 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii. | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. | Not Supported |
| BBB Rating | A- | A+ |
| Important Notes | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | - |
| Next Steps | Visit SiteVerify at Chase Bank Non-sponsored link to official site | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Chase Bank | Marcus by Goldman Sachs |
|---|---|---|
| Chase Savings℠ | Marcus Online Savings Account | |
Current APY | 0.01% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -0.4 |
Days Since Change | 365 | 0 |
12-Month High | 0.01% | 3.75% |
12-Month Low | 0.01% | 3.50% |
Adjustments / Mo | 0.00 | 0.16 |
Volatility Score | 0.000 | 0.008 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Chase Bank's APY of 0.01% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Chase Bank vs Ally Bank | 3.10% | $0 |
| Chase Bank vs American Express | 3.20% | $0 |
| Chase Bank vs Axos Bank | 4.21% | $0 |
| Chase Bank vs Barclays | 3.75% | $0 |
| Chase Bank vs Capital One | 3.20% | $0 |
| Chase Bank vs Chime | 3.00% | $0 |
| Chase Bank vs CIT Bank | 3.75% | $100 |
| Chase Bank vs Discover Bank | 3.30% | $0 |
| Chase Bank vs EverBank | 3.90% | $0 |
| Chase Bank vs Newtek Bank | 4.20% | $0.01 |
| Chase Bank vs Openbank | 4.00% | $500 |
| Chase Bank vs Pibank | 4.40% | $0 |
| Chase Bank vs SoFi Bank | 4.00% | $0 |
| Chase Bank vs Synchrony Bank | 3.40% | $0 |
| Chase Bank vs Varo Bank | 5.00% | $0 |
| Chase Bank vs Wealthfront | 4.20% | $0 |