Chime vs. Marcus by Goldman Sachs
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | ChimeChime High-Yield Savings Account Jan 21, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 1.00% - 3.50% | 3.65% |
Est. Earnings | $5,000+$175 $10,000+$350 $25,000+$875 | $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 Bundle | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Chime vs. Marcus by Goldman Sachs
As of Chime offers an APY of 3.50% for its Chime High-Yield Savings Account, with a minimum balance of $0.01, compared to Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account, with a minimum balance of $0.
Marcus by Goldman Sachs pays $15 more than Chime on a $10,000 balance after one year. Chime pays $350, while Marcus by Goldman Sachs pays $365 - an APY advantage for Marcus by Goldman Sachs.
Why Chime?
No distinct advantages found vs Marcus by Goldman Sachs.
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 SachsMarcus 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 SachsMarcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $912 vs $875/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 $15 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.
Executive Summary as of
Marcus by Goldman Sachs offers a competitive APY of 3.65% on its Marcus Online Savings Account, making it the winner compared to Chime's High-Yield Savings Account, which has an APY of 3.50%. While Chime requires a qualifying direct deposit of $200 or more within the preceding 34 days, Marcus does not impose such a requirement, providing a simpler option for savers. Both accounts are online-only, have no maintenance fees, and allow for a minimum deposit of $0. However, for those who meet the direct deposit requirement, Chime remains a viable alternative.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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 $15 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+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
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.
| Feature | Chime | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.50% Range: 1.00% - 3.50% Verified: 1/21/2026 Stable (90d) | 3.65% Verified: 1/21/2026 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 |
| Branch Access | None | None |
| 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 | Yes | No |
| Mobile Apps | iOS4.8 Android4.8 | iOS4.9 Android4.9 |
| 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 | 3.50% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | 8.5 | -1.9 |
Days Since Change | 97 | 238 |
12-Month High | 3.75% | 3.90% |
12-Month Low | 2.00% | 3.65% |
Adjustments / Mo | 0.17 | 0.17 |
Volatility Score | 0.175 | 0.023 |
How to read these metrics(Click to expand)
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