Chime vs. Marcus by Goldman Sachs
Comparing Chime and Marcus by Goldman Sachs for high-yield savings: Chime's Chime High-Yield Savings Account pays 3.00% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY.
Note: Chime requires a checking account.
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 $65 more than Chime annually ($365 vs $300).
Choose Marcus by Goldman Sachs if getting the best rate matters most, or you want a no-strings-attached account.
Important Considerations
Chime requires a checking account to unlock its top savings rate, while Marcus by Goldman Sachs offers its savings account standalone.
| Metric | ChimeChime High-Yield Savings Account Mar 7, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Mar 7, 2026 |
|---|---|---|
| APY | 0.75% - 3.00% | 3.65% |
Est. Earnings | $5,000+$150 $10,000+$300 $25,000+$750 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDirect Deposit ReqChecking BundleDaily CompoundingRate Changes Often | 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 Chime vs. Marcus by Goldman Sachs
Executive Summary
Marcus by Goldman Sachs offers a competitive APY of 3.65% on its Online Savings Account, making it the winner in this comparison. This account requires no direct deposit and has no minimum balance or maintenance fees, providing simplicity for savers. In contrast, Chime's High-Yield Savings Account offers a lower APY of 3.00%, but requires a qualifying direct deposit of $200 or more within the preceding 34 days. Both accounts are online-only and are FDIC insured, appealing to those looking for digital banking solutions.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Chime?
No distinct advantages found vs Marcus by Goldman Sachs.
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.65% vs 3.00%) 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 $300/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 $750/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 $65 more interest on a $10,000 balance than Chime's Chime High-Yield Savings Account.
*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
Chime vs. Marcus by Goldman Sachs Savings Calculator
You earn $65 more with Marcus by Goldman Sachs than Chime 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.
Chime
Chime High-Yield Savings Account
Savings Breakdown
- Interest Earned+$300.00(2.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,300.00
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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $299 per year in interest.
Both Chime and Marcus by Goldman Sachs dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Chime | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.00% Range: 0.75% - 3.00% Verified: 3/7/2026 ↘︎ 0.50%90d Change | 3.65% Verified: 3/7/2026 Stable (90d) |
| Product Name | Chime High-Yield Savings Account | Marcus Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | N/A |
| Direct Deposit Req. | RequiredYou need to receive a qualifying direct deposit of $200 or more within the preceding 34 days | None |
| Checking Bundle | Yes | No |
| Mobile Apps | ||
| FDIC Insured | Yes | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Chime 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 | Chime | Marcus by Goldman Sachs |
|---|---|---|
| Chime High-Yield Savings Account | Marcus Online Savings Account | |
Current APY | 3.00% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.2 | -1.1 |
Days Since Change | 36 | 283 |
12-Month High | 3.75% | 3.90% |
12-Month Low | 2.00% | 3.65% |
Adjustments / Mo | 0.25 | 0.16 |
Volatility Score | 0.123 | 0.016 |
How to read these metrics(Click to expand)
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