Chase Bank vs. Marcus by Goldman Sachs
Compare rates, requirements, and features side-by-side to find the best option for you.
Chase Bank
Chase Savings℠
0.01%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Chase Bank
Chase Savings℠
Marcus by Goldman Sachs
Marcus Online Savings Account
3.65%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Marcus by Goldman Sachs
Marcus Online Savings Account
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Comparison Analysis
Comparing Chase Bank vs. Marcus by Goldman Sachs
Why Chase Bank?
- ✓Higher rated Android app (4.6 vs 4.2)
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. $913 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℠.
Executive Summary
Marcus by Goldman Sachs offers a significantly higher APY of 3.65% on its Marcus Online Savings Account, making it the clear winner compared to Chase Bank's Chase Savings℠, which yields only 0.01%. The Marcus account has no maintenance fees, no minimum deposit or balance requirements, and compounds interest daily, while Chase's account has a $5 maintenance fee that can be waived under certain conditions. Additionally, the Marcus account is online-only, providing a straightforward savings option without the need for a checking account or direct deposit, making it ideal for those seeking simplicity.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Chase Bank and Marcus by Goldman Sachs.
| Feature | Chase Bank | Marcus by Goldman Sachs |
|---|---|---|
| APY | 0.01% Verified: 12/6/2025 Stable (90d) | 3.65% Verified: 12/6/2025 Stable (90d) |
| Product Name | Chase Savings℠ | Marcus Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $5 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.6 | iOS4.8 Android4.2 |
| 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 |
Savings Comparison
Marcus by Goldman Sachs earns $2,204 more than Chase Bank.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$5.70(0.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,005.70
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$2,209.70(10.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,209.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 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 | -2.5 |
Days Since Change | 311 | 192 |
10-Month High | 0.01% | 3.90% |
10-Month Low | 0.01% | 3.65% |
Adjustments / Mo | 0.00 | 0.19 |
Volatility Score | 0.000 | 0.025 |
How to read these metrics(Click to expand)
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