Chase Bank vs Marcus By Goldman Sachs
High-Yield Savings Accounts Comparison

Last Updated: June 20, 2025

Summary of Chase Bank vs. Marcus by Goldman Sachs

As of June 20, 2025 Chase Bank offers an APY of 0.01% for its Chase Savings℠ account, compared to Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account account.

Marcus by Goldman Sachs yields $364 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, while Marcus by Goldman Sachs pays $365 - an APY advantage for Marcus by Goldman Sachs.

Chase Bank

Strengths

  • Chase Bank has a strong BBB rating of A-.
  • Chase Bank's App Store rating is high at 4.8.

Potential Drawbacks

  • Chase Savings℠ offers a low APY of 0.01%, unchanged from 30 days ago.
  • Chase Bank charges a maintenance fee of $5 unless certain conditions are met.

Marcus by Goldman Sachs

Strengths

  • Marcus by Goldman Sachs offers a competitive APY of 3.65%, though down from 3.75% last month.
  • Marcus by Goldman Sachs has no maintenance fees.

Potential Drawbacks

  • Marcus by Goldman Sachs has a lower Google Play rating of 4.2.
  • Marcus by Goldman Sachs does not have physical branches.
Summary: Chase Bank provides a lower APY of 0.01% with a maintenance fee, despite its solid A- BBB rating and high App Store rating. In contrast, Marcus by Goldman Sachs offers a significantly higher APY of 3.65% with no fees, although it has a lower Google Play rating and lacks physical branches. Customers may prioritize APY and fees over branch access when choosing between these banks.

Compare Chase Bank's vs Marcus by Goldman Sachs' Savings Accounts

Chase BankMarcus by Goldman Sachs
ProductChase Savings℠vsMarcus Online Savings Account
APY
0.01% (as of 6/20/2025)3.65% (as of 6/20/2025)
Bundled Account
NoNo
FDIC-insured
YesYes
Online OnlyNoYes
Compound Frequency
MonthlyDaily
Minimum Deposit$0$0
Minimum Balance for APY$0$0
Maintenance Fee$5$0
Direct Deposit Required
NoNo
NoteAPY 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.N/A
Visit BankChase Savings℠Marcus Online Savings Account
App Store Rating4.8/54.8/5
Google Play Rating4.5/54.2/5
BBB RatingA-A+

Comparative Historical APY Insights (Last 5 Months)

Chase BankMarcus by Goldman Sachs
ProductChase Savings℠vsMarcus Online Savings Account
Latest APY0.01 %3.65 %
TrendSidewaysFalling
Slope (bps/mo)0.0-6.3
Rate Changes / Mo0.000.42
Days Since Last Change14324
High (-5 m)0.01 %3.90 %
Low (-5 m)0.01 %3.65 %
Draw-down from High0.0 %-6.4 %
Volatility (CV)0.0000.025
APY Insights Glossary
Latest APY
Most recent advertised annual-percentage yield.
Trend
Direction over the last 5 months (regression slope).
Slope (bps/mo)
Average monthly change; 10 bps = 0.10 pp.
Rate Changes / Mo
Typical number of APY moves per month.
Days Since Last Change
Recency of the latest APY adjustment.
High (-5 m)
Highest APY in the last 144 days.
Low (-5 m)
Lowest APY in the last 144 days.
Draw-down from High
How far today sits below the 5-month peak.
Volatility (CV)
Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
  • See how quickly a bank reacts to Fed moves or competition.
  • Gauge “twitchiness” - frequent moves can annoy savers.
  • Spot if you're buying near a peak (draw-down) or riding a rise.
  • Slope (bps/mo) shows speed of change.
  • Volatility (CV) scales jumps by average level.

Calculate Savings Growth for Chase Bank vs Marcus by Goldman Sachs

All calculations are based on APY.

Chase Bank

APY: 0.01%

Total savings breakdown:

  • Interest earned: $0.1 (0.01%)
  • Total contributions: $0 (0.00%)
  • Initial deposit: $1,000 (99.99%)

Your total balance

$1,000.10

Effective APY: 0.01% (based on your deposit and contributions)

Total balance: $1,000.1

Earnings: $0.1

Bank Details

Marcus by Goldman Sachs

APY: 3.65%

Total savings breakdown:

  • Interest earned: $36.5 (3.52%)
  • Total contributions: $0 (0.00%)
  • Initial deposit: $1,000 (96.48%)

Your total balance

$1,036.50

Effective APY: 3.65% (based on your deposit and contributions)

Total balance: $1,036.5

Earnings: $36.5

Bank Details

After 1 year Chase Bank would earn you $36.4 less than Marcus by Goldman Sachs.

More Comparisons

Compare Chase Bank's APY of 0.01% with other banks
Compare Marcus by Goldman Sachs' APY of 3.65% with other banks