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 3.65% 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 $364 more than Chase Bank annually ($365 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℠ Mar 7, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Mar 7, 2026 |
|---|---|---|
| APY | 0.01% | 3.65% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$183 $10,000+$365 $25,000+$912 |
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 4.15% APY.
Comparison Analysis
Comparing Chase Bank vs. Marcus by Goldman Sachs
Executive Summary
Marcus by Goldman Sachs offers a significant advantage with its Online Savings Account, providing an impressive APY of 3.65%. This account requires no minimum deposit, has no maintenance fees, and compounds daily, making it a strong choice for savers. In contrast, Chase Bank's Chase Savings℠ account yields only 0.01% APY, with a $5 maintenance fee that can be waived under certain conditions. While Chase's account is not online-only and offers some flexibility, the stark difference in APY clearly positions Marcus as the winner for those seeking better returns on their savings.
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 (3.65% 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. $365 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. $912 vs $3/yr).
Best for Simplicity
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account offers 3.65% 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 $364 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 $364 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+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
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: 3/7/2026 Stable (90d) | 3.65% Verified: 3/7/2026 Stable (90d) |
| 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% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | -1.1 |
Days Since Change | 365 | 283 |
12-Month High | 0.01% | 3.90% |
12-Month Low | 0.01% | 3.65% |
Adjustments / Mo | 0.00 | 0.16 |
Volatility Score | 0.000 | 0.016 |
How to read these metrics(Click to expand)
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