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 Bank | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | Chase Savings℠ | vs | Marcus Online Savings Account |
| APY | 0.01% (as of 6/20/2025) | 3.65% (as of 6/20/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $5 | $0 | |
| Direct Deposit Required | No | No | |
| Note | 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. | N/A | |
| Visit Bank | Chase Savings℠ | Marcus Online Savings Account | |
| App Store Rating | 4.8/5 | 4.8/5 | |
| Google Play Rating | 4.5/5 | 4.2/5 | |
| BBB Rating | A- | A+ |
Comparative Historical APY Insights (Last 5 Months)
| Chase Bank | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | Chase Savings℠ | vs | Marcus Online Savings Account |
| Latest APY | 0.01 % | 3.65 % | |
| Trend | Sideways | Falling | |
| Slope (bps/mo) | 0.0 | -6.3 | |
| Rate Changes / Mo | 0.00 | 0.42 | |
| Days Since Last Change | 143 | 24 | |
| High (-5 m) | 0.01 % | 3.90 % | |
| Low (-5 m) | 0.01 % | 3.65 % | |
| Draw-down from High | 0.0 % | -6.4 % | |
| Volatility (CV) | 0.000 | 0.025 |
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 DetailsMarcus 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 DetailsAfter 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
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Chase Bank vs Ally Bank | 3.50% | $0 |
| Chase Bank vs American Express | 3.60% | $0 |
| Chase Bank vs Axos Bank | 4.66% | $0 |
| Chase Bank vs Bank of America | 0.01% | $100 |
| Chase Bank vs Barclays | 4.10% | $0 |
| Chase Bank vs Capital One | 3.60% | $0 |
| Chase Bank vs Chime | 3.75% | $0 |
| Chase Bank vs CIT Bank | 4.00% | $100 |
| Chase Bank vs Discover Bank | 3.60% | $0 |
| Chase Bank vs Fitness Bank | 5.00% | $100 |
| Chase Bank vs SoFi Bank | 3.80% | $0 |
| Chase Bank vs Synchrony Bank | 3.80% | $0 |
| Chase Bank vs Varo Bank | 5.00% | $0 |
Compare Marcus by Goldman Sachs' APY of 3.65% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Marcus by Goldman Sachs vs Ally Bank | 3.50% | $0 |
| Marcus by Goldman Sachs vs American Express | 3.60% | $0 |
| Marcus by Goldman Sachs vs Axos Bank | 4.66% | $0 |
| Marcus by Goldman Sachs vs Bank of America | 0.01% | $100 |
| Marcus by Goldman Sachs vs Barclays | 4.10% | $0 |
| Marcus by Goldman Sachs vs Capital One | 3.60% | $0 |
| Marcus by Goldman Sachs vs Chime | 3.75% | $0 |
| Marcus by Goldman Sachs vs CIT Bank | 4.00% | $100 |
| Marcus by Goldman Sachs vs Discover Bank | 3.60% | $0 |
| Marcus by Goldman Sachs vs Fitness Bank | 5.00% | $100 |
| Marcus by Goldman Sachs vs SoFi Bank | 3.80% | $0 |
| Marcus by Goldman Sachs vs Synchrony Bank | 3.80% | $0 |
| Marcus by Goldman Sachs vs Varo Bank | 5.00% | $0 |