Chase Bank vs Marcus By Goldman Sachs
High-Yield Savings Accounts Comparison
Last Updated: July 15, 2025
Summary of Chase Bank vs. Marcus by Goldman Sachs
As of July 15, 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 offers a mobile app with a high App Store rating of 4.8.
Potential Drawbacks
- Chase Savings℠ has a very low APY of 0.01%.
- 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%.
- Marcus has no maintenance fees, making it cost-effective.
Potential Drawbacks
- Marcus by Goldman Sachs has a lower Google Play rating of 4.1.
- Marcus does not have physical branches, being online-only.
Summary: Marcus by Goldman Sachs provides a significantly higher APY of 3.65% compared to Chase Bank's 0.01%. Additionally, Marcus has no maintenance fees, while Chase charges $5 unless conditions are met. However, Chase Bank has a better BBB rating of A- and a higher App Store rating of 4.8, which may appeal to some users. Marcus's Google Play rating is lower at 4.1.
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 7/15/2025) | 3.65% (as of 7/16/2025) | |
| 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 | 4.1/5 | |
| BBB Rating | A- | A+ |
Comparative Historical APY Insights (Last 6 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 | -5.7 | |
| Rate Changes / Mo | 0.00 | 0.36 | |
| Days Since Last Change | 168 | 49 | |
| High (-6 m) | 0.01 % | 3.90 % | |
| Low (-6 m) | 0.01 % | 3.65 % | |
| Draw-down from High | 0.0 % | -6.4 % | |
| Volatility (CV) | 0.000 | 0.026 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 6 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 (-6 m)
- Highest APY in the last 168 days.
- Low (-6 m)
- Lowest APY in the last 168 days.
- Draw-down from High
- How far today sits below the 6-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 | 3.50% | $0 |
| Chase Bank vs Chime | 3.75% | $0 |
| Chase Bank vs CIT Bank | 4.00% | $100 |
| Chase Bank vs Discover Bank | 3.50% | $0 |
| Chase Bank vs Fitness Bank | 5.00% | $100 |
| Chase Bank vs Presidential Bank | 4.50% | $5,000 |
| Chase Bank vs SoFi Bank | 3.80% | $0 |
| Chase Bank vs Synchrony Bank | 3.80% | $0 |
| Chase Bank vs Varo Bank | 5.00% | $0 |
| Chase Bank vs Wells Fargo | 2.51% | $25 |
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 | 3.50% | $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 | 3.50% | $0 |
| Marcus by Goldman Sachs vs Fitness Bank | 5.00% | $100 |
| Marcus by Goldman Sachs vs Presidential Bank | 4.50% | $5,000 |
| 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 |
| Marcus by Goldman Sachs vs Wells Fargo | 2.51% | $25 |