High-Yield Savings Account Comparison

Chime vs. Marcus by Goldman Sachs

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

Chime

Chime High-Yield Savings Account

Up to
3.50%
APY
Dec 6, 2025
FDIC InsuredDirect Deposit ReqChecking BundleNo MinimumsGreat iOS AppGreat Android App
Range: 1.00% – 3.50%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositRequired (You need to receive a qualifying direct deposit of $200 or more within the preceding 34 days)
Deposit InsuranceFDIC Insured
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.7
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

Marcus by Goldman Sachs

Marcus Online Savings Account

3.65%
APY
Dec 6, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 33124)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.2
BBB Rating
A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview

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.

See Top Rates

Comparison Analysis

Comparing Chime vs. Marcus by Goldman Sachs

Updated: Dec 6, 2025

Why Chime?

  • ✓Higher rated Android app (4.7 vs 4.2)

Why Marcus by Goldman Sachs?

  • ✓Higher potential APY (3.65% vs 3.50%) on all balances
  • ✓No checking account or direct deposit required

— Key Feature Differences —

Better Returns at $10,000
Marcus by Goldman Sachs

Marcus by Goldman Sachs's Marcus Online Savings Account earns more on smaller deposits (approx. $365 vs $350/yr).

Better Returns at $25,000
Marcus by Goldman Sachs

Marcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $913 vs $875/yr).

Best for Simplicity
Marcus by Goldman Sachs

Marcus by Goldman Sachs's Marcus Online Savings Account offers 3.65% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Both offer monthly maintenance-free account options Both banks have options with $0 opening deposit Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, Marcus by Goldman Sachs's Marcus Online Savings Account pays $15 more interest on a $10,000 balance than Chime's Chime High-Yield Savings Account.

ChimeMarcus by Goldman Sachs
Automated Data Audit

Executive Summary

Marcus by Goldman Sachs offers the superior APY of 3.65% with its Marcus Online Savings Account, making it an attractive option for savers. This account requires no direct deposit and has no minimum balance or maintenance fees, providing a straightforward savings experience. In comparison, Chime's High-Yield Savings Account offers a lower APY of 3.50% but requires a qualifying direct deposit of $200 or more within the preceding 34 days. Both accounts are online-only and FDIC insured, but Marcus stands out for its simplicity and higher return potential.

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.

ExploreChimeExploreMarcus by Goldman Sachs

Top Market Contenders

See who beats both Chime and Marcus by Goldman Sachs.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.95% vs Marcus by Goldman Sachs
Better Rate
Pibank vs ChimePibank vs Marcus by Goldman Sachs
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+0.85% vs Marcus by Goldman Sachs
Better Rate
Neighbors Bank vs ChimeNeighbors Bank vs Marcus by Goldman Sachs
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.66% vs Marcus by Goldman Sachs
Better Rate
Axos Bank vs ChimeAxos Bank vs Marcus by Goldman Sachs
FeatureChimeMarcus by Goldman Sachs
APY
3.50%
Range: 1.00% - 3.50%
Verified: 12/6/2025
↘︎ 0.25%90d Change
3.65%
Verified: 12/6/2025
Stable (90d)
Product NameChime High-Yield Savings AccountMarcus Online Savings Account
Minimum Deposit$0$0
Min. Balance for APY$0.01$0
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.
RequiredYou need to receive a qualifying direct deposit of $200 or more within the preceding 34 days
None
Checking Bundle YesNo
Mobile Apps
iOS4.8
Android4.7
iOS4.8
Android4.2
BBB RatingA+A+
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

Marcus by Goldman Sachs earns $95.6 more than Chime.

Chime

Chime High-Yield Savings Account

3.50% APY

Savings Breakdown

  • Interest Earned
    +$2,114.10(10.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,114.10

Effective APY
3.50%
View Details

Marcus by Goldman Sachs

Marcus Online Savings Account

3.65% APY

Savings Breakdown

  • Interest Earned
    +$2,209.70(10.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,209.70

Effective APY
3.65%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricChimeMarcus by Goldman Sachs
Chime High-Yield Savings AccountMarcus Online Savings Account
Current APY
3.50%3.65%
Trend
 Stable Stable
Velocity (bps/mo)
12.3-2.4
Days Since Change
51192
10-Month High
3.75%3.90%
10-Month Low
2.00%3.65%
Adjustments / Mo
0.190.19
Volatility Score
0.1930.025
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 310-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar Alternatives

Compare Chime vs...

Comparing against other Bundled Accounts

vs Chime
Axos BankChecking Bundle
4.31%
APY
vs Chime
SoFi BankChecking Bundle
4.30%
APY
vs Chime
Presidential BankChecking Bundle
4.00%
APY

Compare Marcus by Goldman Sachs vs...

Comparing against Standard Savings

vs Marcus by Goldman Sachs
PibankNo Bundle Req
4.60%
APY
vs Marcus by Goldman Sachs
Neighbors BankNo Bundle Req
4.50%
APY
vs Marcus by Goldman Sachs
TIMBRNo Bundle Req
4.40%
APY

More Comparisons

Compare Chime's APY of 3.50% with other banks
Bank PairCompetitor APYMin Deposit
Chime vs Ally Bank3.30%$0
Chime vs American Express3.40%$0
Chime vs Axos Bank4.31%$0
Chime vs Bank of America0.01%$100
Chime vs Barclays4.00%$0
Chime vs Bask Bank3.90%$0
Chime vs BMO Alto3.25%$0
Chime vs BrioDirect4.00%$5,000
Chime vs Capital One3.40%$0
Chime vs Chase Bank0.01%$0
Chime vs CIT Bank3.75%$100
Chime vs Citibank3.30%$0
Chime vs Citizens Access™3.35%$0.01
Chime vs Climate First Bank4.21%$50
Chime vs Discover Bank3.40%$0
Chime vs Elevault4.08%$0
Chime vs EverBank4.05%$0
Chime vs Fitness Bank4.75%$100
Chime vs FNBO Direct3.00%$1
Chime vs Forbright Bank4.00%$0
Chime vs FVCbank3.85%$500
Chime vs GO2bank4.50%$0
Chime vs Ivy Bank4.25%$2,500
Chime vs LendingClub4.20%$0
Chime vs Neighbors Bank4.50%$0
Chime vs Newtek Bank4.35%$0.01
Chime vs Openbank4.20%$500
Chime vs Peak Bank4.20%$100
Chime vs Pibank4.60%$0
Chime vs PNC3.53%$0
Chime vs Presidential Bank4.00%$5,000
Chime vs Quontic Bank3.75%$100
Chime vs Salem Five Direct3.71%$10
Chime vs Santander Bank0.01%$25
Chime vs SoFi Bank4.30%$0
Chime vs Synchrony Bank3.65%$0
Chime vs TIMBR4.40%$1,000
Chime vs UFB Direct3.71%$5000
Chime vs Valley Direct4.10%$1,000
Chime vs Varo Bank5.00%$0
Chime vs Vio Bank4.16%$100
Chime vs Wealthfront4.15%$0
Chime vs Wells Fargo0.05%$25
Chime vs Zynlo Bank4.05%$10
Compare Marcus by Goldman Sachs' APY of 3.65% with other banks
Bank PairCompetitor APYMin Deposit
Marcus by Goldman Sachs vs Ally Bank3.30%$0
Marcus by Goldman Sachs vs American Express3.40%$0
Marcus by Goldman Sachs vs Axos Bank4.31%$0
Marcus by Goldman Sachs vs Bank of America0.01%$100
Marcus by Goldman Sachs vs Barclays4.00%$0
Marcus by Goldman Sachs vs Bask Bank3.90%$0
Marcus by Goldman Sachs vs BMO Alto3.25%$0
Marcus by Goldman Sachs vs BrioDirect4.00%$5,000
Marcus by Goldman Sachs vs Capital One3.40%$0
Marcus by Goldman Sachs vs Chase Bank0.01%$0
Marcus by Goldman Sachs vs CIT Bank3.75%$100
Marcus by Goldman Sachs vs Citibank3.30%$0
Marcus by Goldman Sachs vs Citizens Access™3.35%$0.01
Marcus by Goldman Sachs vs Climate First Bank4.21%$50
Marcus by Goldman Sachs vs Discover Bank3.40%$0
Marcus by Goldman Sachs vs Elevault4.08%$0
Marcus by Goldman Sachs vs EverBank4.05%$0
Marcus by Goldman Sachs vs Fitness Bank4.75%$100
Marcus by Goldman Sachs vs FNBO Direct3.00%$1
Marcus by Goldman Sachs vs Forbright Bank4.00%$0
Marcus by Goldman Sachs vs FVCbank3.85%$500
Marcus by Goldman Sachs vs GO2bank4.50%$0
Marcus by Goldman Sachs vs Ivy Bank4.25%$2,500
Marcus by Goldman Sachs vs LendingClub4.20%$0
Marcus by Goldman Sachs vs Neighbors Bank4.50%$0
Marcus by Goldman Sachs vs Newtek Bank4.35%$0.01
Marcus by Goldman Sachs vs Openbank4.20%$500
Marcus by Goldman Sachs vs Peak Bank4.20%$100
Marcus by Goldman Sachs vs Pibank4.60%$0
Marcus by Goldman Sachs vs PNC3.53%$0
Marcus by Goldman Sachs vs Presidential Bank4.00%$5,000
Marcus by Goldman Sachs vs Quontic Bank3.75%$100
Marcus by Goldman Sachs vs Salem Five Direct3.71%$10
Marcus by Goldman Sachs vs Santander Bank0.01%$25
Marcus by Goldman Sachs vs SoFi Bank4.30%$0
Marcus by Goldman Sachs vs Synchrony Bank3.65%$0
Marcus by Goldman Sachs vs TIMBR4.40%$1,000
Marcus by Goldman Sachs vs UFB Direct3.71%$5000
Marcus by Goldman Sachs vs Valley Direct4.10%$1,000
Marcus by Goldman Sachs vs Varo Bank5.00%$0
Marcus by Goldman Sachs vs Vio Bank4.16%$100
Marcus by Goldman Sachs vs Wealthfront4.15%$0
Marcus by Goldman Sachs vs Wells Fargo0.05%$25
Marcus by Goldman Sachs vs Zynlo Bank4.05%$10